We aim to provide an excellent service in every single case - but from time to time, things might not go as planned. We take all complaints very seriously and will endeavour to resolve them quickly in every case.
If there is something that you are not happy with then let us know.
Your complaint will be acknowledged promptly in writing and we will do our best to resolve your complaint as quickly as possible.
Sometimes it may take longer to fully investigate and If a complaint is particularly complex, it may take longer to resolve. We will always try our best to respond to your complaint as quickly as possible and we?ll send you our final response no later than 8 weeks from when you first complained. If we can?t complete our investigation in this time, we?ll contact you to explain the delay and give you an indication of when to expect our response. If you?re unhappy with the progress of your complaint or not happy with our final response, at this point, you can refer it to the Financial Ombudsman Service.
The Financial Ombudsman Service will only deal with your complaint if you have given us the opportunity to put matters right, so please contact us first and we will do all we can to help you.
If you want the FOS to consider your complaint, you must send your complaint to them within 6 months of the date of our final response.
Their contact details are:
The Financial Ombudsman Service
0800 023 4 567 (free on mobile phones and landlines)
0300 1239 123 (cost no more than calls to 01 and 02 numbers)
Information regarding the service can be found on the Financial Ombudsman website:
In relation to your complaint you can also request a review from the European Online Dispute Resolution platform: http://ec.europa.eu/consumers/odr/
Representative example: Amount of credit: £1200 for 18 months at £90.46 per month. Total amount repayable of £1628.28 Interest: £428.28. Interest rate: 49.9% pa (variable). APR rates range from 45.3% APR to 1575% Max APR. The rate is subject to change and the representative APR may not be the rate you'll receive. The rate you pay depends on your circumstances and loan amount, and may differ from the Representative APR.
Warning: Late repayment can cause you serious money problems. For help go to moneyhelper.org.uk
We want you to be sure this loan is right for you. So before you carry on, please only apply for a loan if you are confident that you are able to make the repayments on your due date and still manage your other outgoings. Missing repayments may have a negative effect on your credit rating and make it more difficult for you to obtain credit in the future.
IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY. A PAYDAY LOAN OFFERS A SHORT TERM FINANCIAL SOLUTION AND SHOULD NOT BE USED AS A LONG TERM SOLUTION.