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Payday loans

If you're struggling to pay back your payday loan, don't panic. OFT guidance determines how they should help you.

Using a payday loan company once is not an excuse for other loan companies to bombard you with offers. Use this Which? advice to prevent this happening.

If you’re charged unexpected fees on a payday loan that weren't explained to you when you took out the loan, read the Which? guide to what you should do.

A payday loan company cannot keep trying to take money from your account. See how to cancel a Continuous Payment Authority.

If your payday lender is not dealing with your case fairly, you can put in a complaint and then if necessary, take it to the Financial Ombudsman. See how.

Your payday lender shouldn't use debt collectors to pursue a debt if you're working with a debt adviser. If it does, use our template letter to help you.

If a loan company keeps trying to take money from your account and won't cancel a continuous payment autority, use our template letter to help you.

If a loan company keeps trying to take money from your account through a continuous payment authority, use the Which? template letter to get it to stop.

You shouldn't be charged unexpected fees that weren't made clear to you before taking out your loan. If you are, use our template letter to challenge them.