If you want to get a refund for “unaffordable” payday loans, the first step is to complain to the lender. Often it’s simple as the lender has a Complaints section on their website, but some have been taken over or the website isn’t there anymore, so here is a list of their email addresses.
For all these emails put AFFORDABILITY COMPLAINT as the subject of the email.
If you haven’t already seen it, read and bookmark Can I get a payday loan refund?
That page has the template letters for complaints and it also looks at the most common things that happen, such as whether you should accept an offer or take the case to the Financial Ombudsman.
Contents
High Cost Short Term lenders – “payday lenders”
Anico Finance info@anicofinancialservices.com
Auden complaints@auden.co.uk
Bingo loans info@bingoloans.co.uk They are a lender and a broker. If they referred you to another lender, you should complain to that lender.
Cash 4 U Now info@cash4unow.co.uk in administration but you can still make a complaint.
CashASAP complaint@cashasap.co.uk
Cash Converters customerservices.uk@cashconverters.com
Cash Float complaint.handling@cashfloat.co.uk
Cash Generators use the contact form on their website and put AFFORDABILITY COMPLAINT in capitals at the start of the message
CashPlus complaints@apsgroup.com
Credio info@credio.co.uk
Credit Star complaints@creditstar.co.uk
Dot Dot Loans customerservices@dotdotloans.co.uk put COMPLAINT as subject
Drafty (sister company to Lending Stream) complaints@drafty.co.uk
G&A Drapers gandadrapers@gmail.com put COMPLAINT as the subject
Fast Loan UK complaints@fastloanuk.co.uk
Fernovo complaints@fernovo.co.uk
Fund Ourselves complaints@fundourselves.com
H&T (Harvey and Thompsons) complaints@handt.co.uk
Herbert Brown complaints@albemarlebond.com
Instamoni complaint@instamoni.com
In-Sync ics.complaints@in-syncgroup.com
Kabayan simon.roberts@kbnfinance.co.uk
Lending Stream You can use their web form here. or email debbie.gandy@gaincredit.com. If you don’t get an acknowledgement in a week, phone them up and ask if they have received it.
Loan Pig customercare@themoneyhive.co.uk put complaint about Loan Pig in the subject line
Miss Payday info@thequickloanshopltd.co.uk put complaint about Miss Payday in the subject line
Money Boat complaints@moneyboat.co.uk
Money Hive info@themoneyhive.co.uk
Money Platform support@themoneyplatformsupport.zendesk.com
Monkey Dosh see My Finance Club and put complaint about Monkey Dosh in the subject line
Mr Lender Send your complaint to complaintml@mrlender.co.uk If you don’t get an acknowledgment in a week, phone them up and ask if they have received it.
My Finance Club / Ondal compliance@myfinanceclub.com and put COMPLAINT as the subject
MyKredit info@myKredit.com
Payday Bad Credit complaint.handling@westerncircle.co.uk
Paydayloansnet / PDNET complaint.handling@paydayloansnet.co.uk
Pera Loans complaint.handling@peraloans.co.uk
Polar Credit a sister brand of CashASAP complaint@polarcredit.co.uk
Quick Loan Shop info@thequickloanshopltd.co.uk
Quick Loans Express complaint.handling@quickloansexpress.co.uk
Quidie see Fernovo above. Make it clear in your complaint that you are complaining about a Quidie loan.
QuidMarket help@quidmarket.com
Safeloans no longer trading but complain to customercomplaints@sllcapital.co.uk
Savvy info@savvy.co.uk
Speedloan see Herbert Brown
Stagemount see Quidmarket
Street UK see Track Loans
Swift Money Complaints@SwiftMoney.com
The Credit Thing support@thecreditthing.com with COMPLAINT as the title
The One Stop Money Shop (not related to The Money Shop): apply@theonestopmoneyshop.co.uk
The Quick Loan Shop info@thequickloanshopltd.co.uk
THL Direct info@thl-uk.com
Tick Tock customerservice@ticktockloans.com
TM Advances info@tmadvances.co.uk
Track Loans david@ftxgroup.co.uk
Wageday Advance they went bust! But a new lender now uses this name so for loans from 2020 complain to complaints@wagedayadvance.co.uk
WageMe customer.services@wageme.com
Wizzcash – no longer lending but you can still complain complaints@wizzcash.com
Zebit trading name of Lending Stream, see above
Zippa complaints@zippa.com
100Pounds support@skyquid.co.uk
Payday lenders in administration or already liquidated
The following firms have disappeared, or have been dissolved (they no longer exist or have any assets) or the administrators are not accepting any more complaints, and I don’t think the Ombudsman is taking new complaints. If you have an existing claim in with the administrators you may get a small amount back:
- Access fast Money; Bonga Loans; Capfin (other brand names Ecash Window & EPDL); Cash Genie; Cash Choice; Cash Store; Cash365; Cheque Centre (the Loan Store & Square Today); CFO (Payday First, Flexible First, Money Resolve, Payday Advance); Dosh Loans; Different Money (My Mate); Easy Finance Club; Ferratum; Forces loans (V Gates); Handycash; Lifeboat loans; Liquid Advance; Microlend; the Money Shop (PaydayUK & Payday Express); Money In Advance; Mini Credit; NextCredit; Oakam; Open Door Loans; Payday First; Payday Overdraft; Peachy; Perfect Payday; Pick A Payday; Pixie; Pogo Loans; Prime Payday; Purple Payday; QuickQuid (Pounds to Pocket & OnStride); Quid24; Response Funding (Fancy a Payday); Safetynet Credit (Tappily); Satsuma; Smart Pig; Speed Credit; Speed-e-loans; Speedycash; Speedy Dosh; StepStone Credit; Sunny; Swift Sterling; Toothfairy; Trusted Quid; Txt Me Cash; Umbrella Loans; Uncle Buck; Vivus; Wageday Advance, Wonga; 1st Stop; 247 Moneybox; 321 Cash;
There are literally dozens of payday lenders that have gone without trace. The above are just some of the ones people have asked about. There are also lenders who were never authorised such as Loans4U / Loans4You who you can’t take a complaint to the ombudsman about.
The info here may not be up to date. so the safe thing is for you to look in the company’s website to see how to make a complaint or what form to complete if the lender is in administration.
If you can’t locate the website, talk to the Financial Ombudsman about these firms.
Affordability complaints to other lenders
Large loans, including car finance & logbook loans
For contact details for lenders such as banks, Avant Credit, Bamboo Loans, Everyday Loans, Loans2Go, Likely Loans, Moolr, On Stride, Savvy and 118 118 Money, and car finance lenders, see Refunds from largeloans and logbook loans.
Doorstep lenders
The Provident Scheme has ended and it’s too late to complain. Morses has gone into administration. For other doorstep lenders such as Mutual, see Get a refund for unaffordable doorstep lending.
Guarantor lenders
It is now too late to make a complaint to Amigo’s Scheme. For guarantor lenders such as UK Credit and TFS see How borrowers can get refunds from a guarantor loan OR Complaints by guarantors.
Affordability complaints to bank and credit cards
See email addresses for banks and credit card complaints.
Anything missing or wrong?
If there is a missing lender, or you think one of these addresses is wrong, please leave a Comment at the bottom of this article.
A good place to try to track down old lenders is the FCA Register, as this lists firms’ brand names as well as their company names and also sometimes shows details for firms that have ceased trading.
If you still aren’t having any luck, then try the Financial Ombudsman’s complaints line – they are very friendly!
THE COMMENTS BELOW THIS ARTICLE ARE FOR DISCUSSING HOW TO CONTACT A LENDER
FOR GENERAL QUERIES USE THE COMMENTS ON THE MAIN PAYDAY LOAN REFUND PAGE – THANKS!
How to ask for a payday loan refund
Gambling & affordability complaints
Card or catalogue limit too high?
Linda says
I had several loans with H And T – I complained to them back in 2016 re. Affordability and they rejected my claim can I go back to them and complain again as I stupidly did not go to the ombudsman.
Thank you
Sara (Debt Camel) says
no sorry. The Ombudsman would only look at a complaint after 6 months if there was a very good reasom, eg you had been very ill or in prison or something.
Dan says
Used the template and emailed Mr Lender who have responded with a letter;
“We are writing to ask for confirmation and clarity on the reason for sending this as the detail within the email is confusing.
Whilst the start of your email suggests you are making a complaint there is vague information regarding the reason for your complaint just that you feel they were unaffordable, which is followed by a request for a list of loan(s), dates they were taken and the charges and interest you paid.
We are unsure how you are suggesting these loan(s) were unaffordable of you were unaware of the number of the loan(s) you have had with Mr Lender and the value of interest and/or charges paid. We have seen the same email from other customers and have found it to be a template generated off the forum website debtcamel.co.uk/payday-loan-refunds/.
Continued…
Sara (Debt Camel) says
They are being difficult. Just reply that you have made an affordability complaint on dd/mm, they can see from the list of loans you had that the Ombudsman is likely to decide the loans were unaffordable and if they don’t make you a reasonable offer within 8 weeks from dd/mm you will be sending it to the Ombudsman.
ROBERT says
Is there a template to complain about an unaffordable overdraft by HBOS?
Anybody make a complaint along these lines?
Sara (Debt Camel) says
See https://debtcamel.co.uk/refunds-catalogue-credit-card/. These complaints seem to be much harder to win.
karala says
Loans 2 go are not on this list. can i get a refund from them?
Sara (Debt Camel) says
You bet!
Read https://debtcamel.co.uk/worst-loan-in-britain/
Lucas C says
Hello :) Since Moneyshop is heading for closure and they don’t do loans anymore should i fill the claim against them or wait for the voting results and possible refund? I had few loans with Payday uk, money shop etc.
Sara (Debt Camel) says
Voting has now closed on their proposed Scheme. Assuming it is approved, a page to submit a Claim will be set up – there is nothing for you to do until then. See https://debtcamel.co.uk/money-shop-to-close-two-million-customers-will-be-informed/ for all the latest news on this.
Peter says
Hi are Trusted Quid still trading? Thanks
Sara (Debt Camel) says
no they aren’t. they went into administration. You need to talk to FOS to see if a complaint against them is worth pursuing.
Danielle says
I had a lot of loans with the cash store and now can’t find any trace of them any advise?
WENDY says
how do i complain to simply be catalogue about affordability complaint
Sara (Debt Camel) says
See https://debtcamel.co.uk/refunds-catalogue-credit-card/
John says
Hi is there any5hing in regards to accompany called loans2go who are absolute sharks?
Sara (Debt Camel) says
you bet: https://debtcamel.co.uk/worst-loan-in-britain/
Kelsey says
Hi, I am struggling to find info for ‘theloanstoreuk’
Can you advice?
Ben says
Hi, I had a number of loans with western circle Ltd. Any idea of their contact details?
Many thanks
Sara (Debt Camel) says
are these cash float loans? if so complaint.handling@cashfloat.co.uk
Ben says
Actually thinking back they probably were.
Many thanks
Ellie says
Hi there, I have been going through all my bank statements over the last 7 year and found payment going into my account noted SPEEDCREDIT. Does any one have any idea which loan company that would be or how I could find out? Any help would be great 😊
Sara (Debt Camel) says
I think that was a brand of MCO Capital which was shut down by the regulator in 2012. If so, there is no chance of any refund, it is long gone.
Anzzzz says
I had a decent offer from EPDL for two loans recently, but for some reason they are declining to add a third loan from 2007. What can I do to make them accept this also ? Apparently I have 7 days to answer or give more info..
Sara (Debt Camel) says
They are in administration. Unless there is some evidence you have about your finances in 2007 – which sounds unlikely – there may be nothing you can do.
Anzzzz says
Thanks Sara. I’m dealing with pwc the administrator. All I have sent them is the two claim forms about the two loans in 2012, and then found out from pwc that they also realised I had one in 2007. I tried to claim a little more as I had a feeling I had an old one. How come they can accept two from 2012 but not the 2007 one ? All loans were paid back in full.
Sara (Debt Camel) says
Probably they can’t see anything on their system that suggests problems with the 2007 loan. That may be because there was very little info about it.
Anzzzz says
Thanks very much. I’ll see what I can do.
Helen says
Hi I had loans from the loan store. I can not find any information about claiming
Sara (Debt Camel) says
It was a brand name of Cheque Centre. Now in administration – I don’t think there is any more money to be paid out. You can ask the Finacial Ombudsman to be sure but this is probably too late.
Karen H says
Hi Sara
I’ve taken out loans with Payday express & Payday UK in the past. Are these companies still trading or in administration? Had a few loans with them & thinking might be worth trying to get some redress from them.
Thanks for all your help on here
Sara (Debt Camel) says
They are in a scheme of arrangement, which is like administration. You need to put in a claim to them asap, see https://debtcamel.co.uk/money-shop-to-close-two-million-customers-will-be-informed/ for how to do this.
Helen says
Sorry it was called the cash store.
Sara (Debt Camel) says
They went bust in 2014.
Helen says
Ok so it’s to late now. Thanks
Simon says
Hi Sara,
Great website, I’ve used it a few times for contact details for companies and to find out that moneyshop were in administration nad hadn’t contacted me.
There are some companies I had loans with around 2010/2011 and have tried to contact them to request details of my accounts but contact details I have from old emails do not work and I can’t find anything online about them. I’ve looked at your list but can’t see them there either so I am hoping you can help.
Pounds2day, Debitcardloans.co.uk, Paydayloansltd.co.uk, Chequebookloans.co.uk
Also 1ststoploans or 1st stop finance. They say they have no info about me whatsoever and inititally said it must be different company but the contact details I have from the loan are the same as on their site now. Can I still complain and if so how, if they say they cannot see any info about me at all?
Albermarle & Bond who I heard were selling to H & T but cannot find any current pages online about it. Who would I request info from for Albermarle loans? Also I am unsure if I paid them off due to financial circumstances, what would happen if I had not paid them off fully and I contact them for info after all this time? I have already won a complaint with H & T for their own loans recently.
Thanks for your help,
Simon
Mel says
Hi,
Does anyone know what happened to Different Money and how I would go about a complaint to them? I see them referenced in the list but no contact details.
Sara (Debt Camel) says
The company was dissolved in 2018. Sorry, it is too late to make a complaint.
Esopa says
Hi Sara,
this website has been a godsend but cant seem to find any information or contact details for INSTANT CASH LOANS.
any help?
Sara (Debt Camel) says
See https://debtcamel.co.uk/money-shop-to-close-two-million-customers-will-be-informed/ for details, they are in administration and you MUST enter a claim on the page they have set up ASAP.
emma says
Hello what happened to vivus loans please? Also if you have an outstanding loan with company but also had previous loans out and paid them back continuous one after the other can you apply for a refund, where do you stand thank you so much for reading
Emma
Keith says
Do you know if credio has creased trading in the UK? I made an affordability complaint exactly 8 weeks ago but I have noticed that on their website it states “ Casbhridge Corporation Ltd t/a Credio is currently not operating in the UK market” Not sure what to do now? Any advise would be much appreciated
Sara (Debt Camel) says
They still seem to be FCA authorised.
I suggest you phone 020 3290 6076 and ask what has happened to your complaint.
Alex F says
Sara, this website is brilliant. Thus far, every single company has final lettered me stating not upholding my complaint, bar one – Safety net credit, which has offered to pay me back my interest of £105.
I have referred the majority to the financial ombudsman, Uncle Buck, QQ, Sunny, Satsuma, you name it. I’ve had some 60 plus loans with these companies over the years.
I have also referred unsecured loans from 118, and Bamboo loans. What is your experience of people getting money back through these sort of companies?
Sara (Debt Camel) says
Lots of people have won complaints against 118 and Bamboo, but they are slow. If you have financial problems at the moment and owe balances to these companies, I suggest you look at a Debt management plan while the complaints go through
Stuart says
Any one know the details of the administration of mini credits loans i need email address the adminstrator is
Ideal Corporate Solutions Limited, Lancaster House, 171 Chorley New Road, Bolton, BL1 4QZ
Sara (Debt Camel) says
try andrew.rosler@idealcs.co.uk but so far as I know the company is now in liquidation.
Stuart says
I know i have been advised the adminstrator can void the debt to stop collection from opos who are pursuing me 4 years on thankz
Sara (Debt Camel) says
let me know how you get on!
Jeffrey says
Trying to send a complaint to Quidie – anyone else having trouble with trying to email complaints@quidie.com?
Thanks.
Laura says
Hi Sara, do I need to send these companies copies of my bank statements at the times I took the loans out? As that is what I have been asked to do in the initial response to my complaint.
Thanks
Sara (Debt Camel) says
It can help your complaint as it shows how unaffordable the loans are.
Hazel says
I have had an email regarding repayment of a loan from Instant Cash Loans Ltd trading as Payday Express how do I go about contacting them as it says they are in an agreement ?
Sorry if that doesn’t make sense
Thanks Hazel
Sara (Debt Camel) says
what are they in agreement with?
Hazel says
I am not sure I just seen it on here wasn’t sure how to go about it
Copied from the list “ Payday Express / Payday UK / PDUK in a Scheme of Arrangement,”
Thanks
Sara (Debt Camel) says
oh you mean they are in a Scheme of Arrangement? Sorry I didn’t understand.
Have you put in an affordability complaint?
Hazel says
That’s what I was looking to do !! But not sure how too.
Sara (Debt Camel) says
Ah. the deadline was last month, they won’t take any more complaints.
Glen says
Just a quick question on any experience with Mr Lender.
I sent them a complaint in March and haven’t heard a dicky bird from them, are they still going?
Don’t really want to send it up the line but feel it’s getting to that stage.
Anyone had dealings with them?
Sara (Debt Camel) says
yes they are – why not ring them up and ask? If they say they don’t accept complaints by email, say you never had a bounce back from the email you sent to the Ombudsman will treat this as having been validly sent and say your case goes to the Ombudsman in a week if they haven’t given you a a suitable offer.
Craig parton says
How do I go about trying to claim a refund from Amigo loans,if I’ve paid the loans off by taking a remortgage.
One loan was in my name,one was in my wife’s name,the email address for amigo isn’t on the list
Sara (Debt Camel) says
There is a separate page for complaints about guarantor loans: https://debtcamel.co.uk/how-to-complain-guarantor-loan/
vicki says
hi , can you give me an email address for payday Advance please.
Sara (Debt Camel) says
they were a brand name of CFO who went into administration years ago. Too late to make a claim.
Erika Heywood says
Hello, do you have an email address for Zopa?
Erika
Steve says
Hi
I am trying to trace / recall a payday loan company based in Slough operating around 2010. I think they were called PDL, (the payday loan company), or something like that, they were definitely based in Slough, berks, all I remember, anyone else take a loan out with them, or these details jog anyone else’s memory, what the compnay might of been called?
Jonny says
Swift Sterling. They’re liquidated you’ll get nothing.
seg says
Does anyone know if you can put a claim in against Opos – previously minicredits?
Opos are collecting money from me since years. Minicredits sold my debt to them. They also report on my credit file !!!!!
car says
i would be very careful with opps they offer you a reduced settlement to close the account this is a scam to get you to pay and they still chase you as they wont provid it in email or letter obviously i made them aware of there tick then they wipped my balnce and left me alone as i founfd out by they way the was trying to conn me on phone so i would be very very carefull
Jade says
Hi Sara
Thank you for all the info you provide through your website. Do you know if you can make an affordability complaint for a ‘Start Up’ Business Loan (https://www.startuploans.co.uk/) these were issued through Street UK which I have seen on your list (advised to look at Track Loans?) although this isn’t a payday loan or similar? TIA
Sara (Debt Camel) says
I think that is unlikely, but I suggest you talk to Business Debtline about this and about your situation. See https://www.businessdebtline.org/
Amy says
Hi Sara ,
Do you know if there is a way of putting a complaint in for Hitachi loans and Zopa loans please , my partner has had a a few loans and never once did he show any information on his income , also he had a really bad gambling problem which had been stopped now but he could not afford to pay back nearly £300 a month on each of these loans without getting into more debt .
Sara (Debt Camel) says
Use the template here https://debtcamel.co.uk/refunds-large-high-cost-loans/
Irene evans says
Hi ive had quite a few provideng loans and shopacheck,but not sure if I would be able to claim as was years and years ago.
Sara (Debt Camel) says
read https://debtcamel.co.uk/refund-doorstep-loans/ for this sort of loans. If they were after April 2007, you can claim.
Rosie says
I have a current loan with ‘ Saftey net credit’ it was 250 and then they gave me an increase too 320. Even though I have bad credit and struggling with finances at this time. They’ve still gave me a credit limit. Is there a template I can use to complain thanks
Sara (Debt Camel) says
Just use the standard payday loan template: https://debtcamel.co.uk/payday-loan-refunds/. If you cant afford to repay the current balance, make sure you cancel the CPA with your bank. If at the end of the complaint you end up owing them money, you can make an affordable payment arrangement.
Leah says
Hi,
I am trying to make a complaint to Ferratum but each time I have a bounce back from Postmaster saying there’s an error and email wasn’t delivered. I am sending it from my registered email. Any ideas?
Thank you!
Sara (Debt Camel) says
Have you phoned them up and asked?
Leah says
I should’ve done that before leaving a comment. Losing the plot lol! I’ll call tomorrow. Thank you
Antony says
Are Ramsdens part of the list? They used to do cheque loans a few years ago
John says
Hi. I had quiet a few different payday loans with different companies. How can I find out who I had them with now after so long ?
Sara (Debt Camel) says
Read the names in the articles above, do any ring a bell? Check yiur credit record. Old emails.
John says
I had payday loans with the money shop.when I didn’t pay them back as I couldn’t afford them. The sent them off to a debt collector. Who I had to pay back over £1100.00 .i have noticed the money shop along with other companies that have gone into liquidation. As there anyway or anywhere I could claim my payments back.? As I had other loans that was tied in with the money shop too.i would be great full for any advice please. Thanks John.
Sara (Debt Camel) says
I’m sorry but this is too late to put in a Claim to them.
Caroline says
Is there any way to check who you had payday loans with and when?? I have sent standard letter to everyone i have every had a loan with, but not sure if I had others at the same time. Most just reply saying they dismiss my claim. I don’t have old bank statements or anything, is it still with trying to claim. For example loan with handt was for £500, paid back £950 over 7 months.
Thanks in advance
Sara (Debt Camel) says
See https://debtcamel.co.uk/find-out-payday-lenders/
It normally isn’t worth bothering where you only had 1 loan from a lender unless it was large. £1000 definitely. £500 – that is pretty marginal.
Caroline says
Okay thanks Sara
Dale says
Hi
I owed trusted quid money
And did not pay why my complaint was going through I know they have gone bust , but cannot get any response from telephone or email from them
What happens next,??
Sara (Debt Camel) says
There is no mention in the latest report (https://find-and-update.company-information.service.gov.uk/company/07112031/filing-history) from the liquidators of collecting in any loans or selling the loan book on. I suggest you wait until someone contacts you about this – it may never happen.
Mac says
Hi there,
I received notice from Uncle Buck’s administrators today that my claim was upheld and I am entitled to redress (£51) but it will not be paid due to lack of funds in the administration. They also stated that they will be removing all records of my loans from my credit record.
I still have a loan of £750 which I am paying via my DMP. Do I need to keep paying this?
Thanks
Sara (Debt Camel) says
is that £750 being paid to UB? or has it been sold to a debt collector?
Mac says
It’s being paid to UB
Sara (Debt Camel) says
did your email from the administrators not mention this current loan? You need to phone them up and ask what is happening with it. I suppose they could be wiping it and saying your renmining refund would be £51?
Mac says
It didn’t, strangely. I’ll call them – thank you
Sara says
Hi,
Thank you for all your help so far – I’ve managed to clean up my credit report and get a tiny bit of redress from companies.
I am trying to look into my liability in continuing payments to ACS who are collecting on behalf of DHR Capital/ Toothfairy Finance. I have no doubt that this loan was definitely unaffordable, however I worry I’ve left it far too late to do anything about it. All records have long dropped off my credit report which is great, but I’m still paying £10 per month to ACS – my balance still stands around £800 and I’m certain that it’s entirely ancient interest I’m paying now. Is there any argument for stopping payments with ACS based on the unaffordability of the loans in the first place, or is it something I just have to suck up and continue reluctantly paying for 80 more months?
Thank you
Sara (Debt Camel) says
You could ask them to produce the CCA agreement for the debt. See https://debtcamel.co.uk/ask-cca-agreement-for-debt/
Becca says
Hi Sara
I have a balance of just over £1200 I am paying to Peachy. I have just seen that the deadline to claim has passed – 12th Dec 2020. Does this mean my loan wont be looked at at all? I am gutted I missed the deadline if this is the case as I was sure it would be wiped. I have been in a DMP for the last year and it was this loan that pushed me into it. I thought they would contact me directly – this is what has happened with other lenders – Payday UK, Sunny etc.
Also, I had a loan with Uncle Buck, and was paying through my DMP. They had it passed to Conexus. The balance was over £600. I received a full and final offer for repayment of £97 – which I paid as I thought it was too good to miss. I received an email from UB telling me my account is now paid. However, now when I log in to my Uncle Buck account my balance is -£97, and to contact them because I may have mad an over payment. Do you have any idea why this has happened? did UB wipe my account? I have had no other contact from UB.
Thank you!
Sara (Debt Camel) says
So you hadn’t complained to Peachy before? Why not?
If you have other high cost debts in your DMP complaint to them now, don’t wait until the lender goes bust and hope they contact you.
UB – no idea you need to ask them.
Becca says
Thanks for responding. Yes, I did complain and they rejected it. Then they went bust very soon after this. So I’m wondering if I needed to put in another claim (and missed deadline) for them to consider wiping the balance on current loan, or if I’ve completely missed out and continue paying loan off.
Sara (Debt Camel) says
well you can ask the administrators why they did not let you know you could claim, but I am afraid you may have missed this one :(
Jamie says
I had a loan with Oakam in 2016 but I can’t find it on my credit report, I can see they are officially called Oakam Limited does anyone know why I can’t find them? TIA
Sara (Debt Camel) says
what credit report are you looking at?
Mr Sanjeev Sahonta says
Hi has anyone heard from 247 moneybox…
Been 2/3 months since original. email regarding redress.
Chris Mitchell says
Hi Is there a Vanquis address (Email) you can complain too please?
And Capital One?
Anton Jones says
customer.relations@vanquisbank.co.uk I have put in a complaint early this month, had a quick reply from them too
Dave says
Has anyone had any experience with Safety Net Credit? I have looked back and have had repeated borrowing from them since the end of 2018.
Sara (Debt Camel) says
Lots of people have won complaints against them, see https://debtcamel.co.uk/payday-loan-refunds/ for template letter to use.
Saraj says
Hi Sara wondered if you could help,
I’ve emailed an affordability complaint regarding loans taken from money boat…
I took a total of 6 loans from April 2015
They were all taken straight after one was paid off …First 3 was for £200 3rd was for £350 and 4th and 5th loan £400 each, last loan defaulted and took 8 months to pay…they have responded with a fully detail email showing my disposable income at the time etc and they said they have mot acted irresponsibly etc but have offered to pay me 50% of all interest paid ..I paid a total of £449 they are offering to return £232 plus removing the negative default info on my file….
Do you think this is s a good offer or do you think I should go to financial obunsdman to get all interest refunded..my concern is I don’t want to lose the deal they are offering if financial onundsman cannot get all refunded?
Sara (Debt Camel) says
do you know how much interest you paid on each of the loans? When did the last loan end?
Sarah says
Hi Sara
Yes the below is what I borrowed and how much interest I paid…the last one was paid off over 8 months as went into arrangement plan and last payment was January 2017
Laon1 borrowed £200 paid £32.18
Loan 2 borrowed £200 paid £71.32
Loan 3 borrowed £200 paid £40.46
Loan 4 borrowed £350 paid £79.98
Loan 5 borrowed £400 paid £116
Loan 6 borrowed £400 paid £120
Sara (Debt Camel) says
It’s not the worst offer I have seen…
If it went to FOS, then FOS doesn’t normally uphold the first few loans. In your case there is a good chance that they would say Moneyboat should have looked more closely at loan 4 – yopu had 3 loans before and now you were trying to borrow a lot more.
That would be a refund of £310 plus 8% intererest would be £400+
If FOS only upheld the last two loans, that would be a refund of £236 plus 8% interest = £300+
You could go back to them and say you would also get 8% interest on the loans, you think FOS would uphold from loan 4 onwards but in the interest of a speedy settlement you would be happy to settle on £350.
Mike says
Hi Sara,
Do you have any indication of what progress is with Piggy Bank and 247 Moneybox? Both have confirmed they will be refunding me – Piggybank was in Feb so not long ago, 247 moneybox was sometime last year and I’ve heard nothing off them for ages
M says
Evening,
I am hoping someone can help me, I had an outstanding balance with Uncle Buck which had been passed to a debt collector. I have now settled with the debt collector, but there is an outstanding sum of £19 showing on my CRA report for Uncle Buck.
Anyone know who I should e-mail to get this marked as settled?
Cheers
Sara (Debt Camel) says
When was this settled?
Was the debt collector collecting on behalf of UB?
M says
The debt was settled at the end of March for an agreed 40%… It was the company Uncle Buck informed me they had passed the debt to, and they said Uncle Buck had agreed the 40% offer (as they had proposed it not me).
My credit report never shows me as defaulted, just a year of missed payments, but as my only outstanding loans are this and MyJar (actually settled March 2020) I am eager to get it all tidied up.
Thank you again for the help.
Sara (Debt Camel) says
I suggest you wait another few months and see if the credit report gets corrected.
If not, I suggest email the administrators and ask them to do this.
If you get no reply from the administrators after that, then you can contact the credit reference agencies and ask them to suppress the credit record as it is wrong but you cannot get a reply from the administrators about this. See https://debtcamel.co.uk/correct-credit-records-lender-administration/
you may be eager to get this sorted, but by waiting a few months it is quite likely you will be able to get the whole debt effectively removed. It is too soon to do this now.
christian says
can I apply for refund with transave union? I used to be a bus driver. back then transave union do loans for its member. I remember the union office is prepare the application for us.
Sara (Debt Camel) says
yes you can.
I have seen very few of this sort of complaint – could you let me know how this one goes?
Rose says
Hi, Sara,
Do you know an address for Countrywide Payday? I imagine they aren’t still trading, but as I am spending my time off work pursuing affordability complaints, I figured it was worth asking!
Thanks so much for any help you can give.
Sara (Debt Camel) says
sorry never heard of them.
Mark says
Hi sara,i know this is for the uk but if a uk company was global and offered payday loans in spain. Would it be possible to put in an affordability complaint in against them if i had a loan from them in spain? Thanks
Sara (Debt Camel) says
That loan would come under Spanish regulations. I have no idea if you can make an affordabilty complaint in Spain.
Emma says
I’ve had my 247money loans redressed but it turns out I have two account with different emails and been told that I have only accept one of the accounts by the deadline. Didn’t even realise, anything I can do? I’ve emailed 247 and they said I’ve missed the deadline :(
Sara (Debt Camel) says
do you still owe them any money?
Emma Jones says
Sorry missed your reply, yes I think I do, they stopped chasing me for it so I was hoping it was written off but when I logged in there is still a debt showing.
Chris says
Hi Emma. I’ve been waiting to hear from 247Moneybox myself. When you say you have had your ‘247money loans redressed’, do you mean they have paid something into your account?
Emma Jones says
No Chris, no payment but upheld my complaint, waiting hear still about a payment.
Natasha says
Hi Sara really need your help I have an outstanding payday loan with Peachy which has been sold to a debt collector. I want to put an affordability complaint in but see that Peachy as already liquidated is there anything I can do??? as I strongly believe I should have never been given this loan.
wendy says
Hi Sara I received and email from piggybank saying Upon reviewing my account, I can see that you have not responded or made arrangements with us after the various calls, texts and emails that have been sent to you over the last few months. This is very concerning.
I now only have two weeks to help you take positive steps to resolve your long outstanding account. The account has been looked over by the Head of Recoveries who will be looking to commence Court proceedings against you to recover your outstanding balance if we don’t come to some sort of arrangement. Can a company in Administration take you to court. I think they have been under administration for 20 months now.
Sara (Debt Camel) says
Can you say some more about this loan – was it your first from them? did you make an affordability complaint to the administrators? when did you take the loan? have you made any payments to it?
And what is the rest of your financial situation like?
wendy says
The loan was taken out in Feb 2017. It was for £750 the balance is now £1500. About 4 weeks ago I made an affordability claim and the next day received email with final response saying no that piggybank did everything right. I told them that I was borrowing from one payday lender to pay another. I also told them that my income was different to what they had at the time, they still rejected it and told me to go to financial ombudsman and I did but they wont look at it because they are in administration and piggybank knew this. I had 3 loans in total the first two I paid of within the month so I could get another. I never made any payments to the £750 and have had no contact from them until the complaint was made. I am a single parent not working and struggling on benefits.
Sara (Debt Camel) says
As a matter of practicality, the costs of doing this, and then keeping a case open for the length of time it would take to get the monies in make it uneconomic for the administrators to take you to court.
You may think that is worrying and uncertain. But look at what they would have to do….
To start a court case they first have to send you a Default Notice (they may have done that a while back)
– Then they need to send a Letter Before Action which has a Reply Form with it. You can sit on this for 3 weeks and then return it saying you are taking debt advice and asking them for documentation.
– They then can’t go to court for another 30 days.
– After 25 days of this you can talk to a debt adviser who will set up a breathing Space which means they can’t go to court for 60 days.
– And when you do get court forms you reply defending the claim saying the loan was unaffordable – defended cases took an average of 9 months to come to court in 2019 – and the backlog has got longer since the pandemic.
– At the end of which you would get a CCJ and you could offer them £5 a month.
They do NOT want to go to court, they are just hoping to scare you into offering a settlement.
I assume you don’t have any money to offer in partial settlement? You should NOT borrow to try to do this.
Do you have other problem loans as well? Are you behind with any bills? Because even if you had won the affordability compliant you would still have owed the £750 which you cannot afford to repay.
Wendy says
Hi Sara Thank you for your speedy reply. I have a catalogue but from 2014 this was passed to Cabot financial who took me to court in Dec 2019 and a decree was registered. I should have taken advice then. The solicitor for Cabot is Nolans and I said to them that the debt was already statute barred and they came back with no your last payment was Jan 2016 and so on. I asked for a credit agreement and was told it was to late as I should have asked at the beginning. The debt now stands at £2270. I have agreed to pay £20 a month. If I had money I would have accepted the partial offer for piggybank but at the moment it is hard times. I have had the default notice so I will wait patiently to see if I get the letter before action. Can I ask how long does Administration last. I believe it was Dec 2019 it started that is 20 months to date. Thank you very much for your helpful advice.
Sara (Debt Camel) says
I think you should take debt advice now. With one CCJ already, another one isn’t a disaster, but that’s two debts you can’t afford to repay… it may be sensible to look at a debt relief order (if you are eligible) and get rid of both of them. I suggest you phone National Debtline on 0808 808 4000.
Another option is to reduce what you pay to Cabot to £5 a month and offer £5 to Piggy Bank.
B K says
Good evening,
I was wondering if you could help.
I have previously written to a number of lenders and complained about the loans I had with them. At the time, I had a rather bad gambling addiction, was struggling with anxiety/depression, and was unable to gather the evidence required to support all of this and, therefore, when the lenders came back declining my complaints, I didn’t escalate and these matters went no further.
I would like to try to complain about these matters again but I am unable to complain about the same thing. The FoS also will not allow me to go straight to them.
Any suggestions?
Many thanks,
B
Sara (Debt Camel) says
I am sorry but there aren’t any other options here. Unless a lender was careless enough not to tell you you had the right to take a case to the Ombudsman, then you are out of time.
James Godwin says
Lendable aren’t in this list
Sara (Debt Camel) says
They aren’t a payday lender as they don’t lend for less than a year. See https://debtcamel.co.uk/refunds-large-high-cost-loans/ for the best template to use if you have borrowed from them and they are on the list of lenders in that post.