Can I Claim Directly to the Lender?

Yes, you can make a claim directly to the lender free of charge.

You do not need to use a Claims Management Company, but we are here if you want to use one.

If you are not satisfied with the decision the lender makes regarding your complaint, you may ask for an independent review by the Financial Ombudsman Service. You have the right to refer your complaint to the Financial Ombudsman Service, free of charge - but you must do so within six months of the date of the lender final decision letter. For more information on the Financial Ombudsman Service, please follow this link 

How it Works

We like to try and make things as easy as possible for our customers when they want to claim Payday Compensation.

This is how the process works:

1. You complete the short form online telling us about yourself.

2. You sign the Letter of Authority and Customer Contract online (we will send a copy to you once we have confirmed your ID for at least one case).

2. You then choose from a drop-down box the lenders you have had loans with and wish to complain against. You can select multiple lenders and build a complete list for submission to us. You press SUBMIT.

3. The next morning, at 8 am, you will receive an email letter for you to forward to each lender. You will get one letter per lender, and all you have to do is forward it to the email address we give for that lender. This letter asks the lender, from you, what loans you had and what repayments you made. Some lenders will then attempt to discredit us and encourage you to call them or make the claim directly with them. Of course, it is up to you to decide if you want to go direct to the lender or not. If you do decide to go direct we will accept your decision without question and ask for no money. We strongly recommend that you do not call them as they may try and convince you that they are nice people and they have done nothing wrong. We suggest that you email them so that you have a paper trail so you can prove what is said.

4. When the lenders reply, (which can take a couple of weeks, so you need to be patient) and send you back details of the loans, you simply forward those emails to us at [email protected]

5. We then take over and prepare a complaint for submission. You will need to send us proof of ID, something like a Driving Licence or Passport. Once we have confirmed that you have a valid case and we have confirmed your ID we will send you a copy of the Customer Contract and information on how to cancel.

6. After a number of weeks (can be up to 10 weeks) the lender will respond with an outcome. In simple terms, they will either uphold the complaint or reject it.

7. If it is an offer you decide if you want to accept or not and if it is a rejection, you decide if you want us to take the case to the FOS for their review.

The whole process takes many weeks and cannot be rushed. We are very quick at turning around information, but the lenders can be very slow and they do take as much time as they need. If a case goes to the FOS, it can be with them for many months, so patience is definitely needed.