Tenancy Deposit Disputes
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Payday Loan Refunds

Mis-sold a Payday Loan with WONGA, SUNNY, QUICK QUID, or any other Payday Loan Company?
CLICK HERE TO MAKE A CLAIM

*Please note that you may make a claim directly to your Lender and/or the Financial Ombudsman Service without using the services of our firm and without incurring any fees.

WERE YOU MIS-SOLD A PAYDAY LOAN?

A payday loan is a form of short-term lending generally used to ease the financial position of an individual between the time of the loan and the payday.

The problem with payday loans was that it was relatively easy to fall into a cycle of dependency. While these loans were easy to obtain, they also came with high interest rates. As a result, this ensued in many cases where people found themselves in a position where they were borrowing from one lender to pay off another, leading to a downward spiral of successive loans at increasing rates.

This scenario continued for a number of years. Then in 2015, the rules on payday loans were changed and those who were historically granted these loans found that their new applications were suddenly rejected. The intention of these changes was meant to prevent people from getting trapped in payday loan spirals. This also highlighted the fact that lenders needed to ensure that they were treating their customers fairly.

It is not fair nor responsible to lend to an individual where it is clear that the lending will only make the situation worse.

Given the current regulations, it is possible to seek redress from your lender where they failed to spot a cycle of dependency yet neglected to act accordingly.

If your ability to repay your loan was not properly assessed, you may have been treated unfairly by the lender. In such circumstances, you may be entitled to compensation and could even have the loan written off or reduced. See our Frequently Asked Questions (FAQs) section below and complete our form.

You could file the complaint yourself.
Or you could use the professional services of a claims management firm such as ours.

For more information, feel free to contact us.

By submitting the form below, you can set the ball rolling and entrust us to process your claim for you. Our skilled case-workers are ready to provide you with an exceptional level of service.

Mis-sold a Pay Day Loan with WONGA, SUNNY, QUICK QUID, or any other Payday Loan Company?
CLICK HERE TO MAKE A CLAIM

Has your Landlord protected your deposit via a Tenancy Deposit Scheme?

If you have an Assured Shorthold Tenancy, your deposit must be protected in a Tenancy Deposit Scheme (TDP) until you move out of the property. This scheme helps keep your money safe and makes sure you get back what you are owed at the end of your tenancy.

Check if your deposit has been protected, if they failed to do so, you may be entitled to a claim.
Tenancy Deposit Disputes? We Can Help You
CLICK HERE TO MAKE A CLAIM

Our Fees

• INGRAM TOFT will take 25% + VAT* (at the prevailing rate) of the amount that you receive, whether this is paid to you or off your agreement.
• No win, no fee basis. If we do not recover you anything, you do not have to pay us!

Why choose us?

Secured

Your privacy is guaranteed.
a1

Convenient

We customise our services according to your needs.

Reliable

Expert solicitors will guide you every step of the way.

No win, No Fee

If we do not recover anything for you, you don't have to pay us!

Secured

Your privacy is guaranteed.
a1

Convenient

We customise our services according to your needs.

Reliable

Expert solicitors will guide you every step of the way.

No Win, No Fee

If we do not recover anything for you, you don't have to pay us!

FAQs

Got a question? We’re here to help!
  • My loan has been written off by my payday lender. Am I entitled to any refund?

    Yes, in some cases you will be entitled to a refund where your payday lender has sought fit to cancel your loan.

  • As a result of my payday loan, I am now in financial difficulties. Do I have a claim?

    Yes, you may have a claim as the payday lender has a duty to assess your financial circumstances insofar as it relates to your ability to afford repayments on the loan.

  • I know nothing about the high interest rates. Am I able to ask for a refund?

    In circumstances where you were not made aware of the high interest rates, it may be argued that you have not been treated fairly by the lender, or you were not given the information that you needed to establish whether you are eligible for a payday loan. As such, you may be entitled to a refund from a portion of the interest.

  • I have been charged high default fees of £30.00 by my payday lender. Can I get these back?

    Yes, we believe that some default fees can be excessive. In those circumstances, you should be able to succeed in your complaint against the lender and request that the default fees be paid in return.

  • As a result of taking out my payday loan, I am now in greater financial difficulty than I was when I started. Do I have a claim?

    If the lender neglected to make you aware of your financial status and proceeded to lend money to you, then it can be argued that they failed to treat you fairly. You can file a claim and you may receive a refund from the lender if they repay you with the money that they charged you with.

  • Do I have to use a Claims Management Company?

    Please note that you can make a claim directly to your Lender and/or the Financial Ombudsman Service without using the services of our firm and without incurring a fee.

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