If you’re having trouble repaying a payday loan or are unhappy with the way you’re being treated by your lender, knowing who to speak to is essential. Our guides can help you complain and contact the Financial Ombudsman Service.
Answers to your problems
I can’t pay back my payday loan, what can I do?
If you're struggling to pay back your payday loan, don't panic. OFT guidance determines how they should help you.
I used a payday lender once and now I’m bombarded by offers
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.
I've been charged hidden fees on a payday loan, can I get a refund?
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.
The payday loan company keeps trying to take money from my account
A payday loan company cannot keep trying to take money from your account. See how to cancel a Continuous Payment Authority.
Step by step guides
How to complain about a payday loan company
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.
Letter informing payday lender about working with a debt adviser
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.
Letter to cancel a continuous payment authority with your bank
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.
Letter to cancel a continuous payment authority with your lender
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.
Letter to complain to your payday lender about hidden charges
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.