Payday UK Reviews - www.paydayuk.co.uk

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★★☆☆☆
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Latest Reviews

★☆☆☆☆

“I took out a loan with them a few years ago, I was...”

Written on: 25/03/2017 by emmhc17 (1 review written)

I took out a loan with them a few years ago, I was late in repaying but did pay which shows on my credit file as paid and satisfied this was back in 2013. I rang payday uk (march 2017)to see if they would remove it from my credit file only for them to say it was passed to debt collection company and is still owing!!! I could not believe this I rang the company they said it was passed too and it does not even exist. They are the ones who updated my credit file as paid because I know it was, I am… Read Full Review

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★★☆☆☆

“Tw”

Written on: 04/03/2017 by Babe45 (1 review written)

Rubbish I applied for a loan got accepted payed back on time got got a second payed that on time month or so later needed money quick till payday got declined what a joke not using them again all that interest they have had aswell… Read Full Review

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★☆☆☆☆

“W@nk3rs”

Written on: 16/01/2017 by SpencerCrowley76 (1 review written)

Waiting f0cking few days and still nothing, they sending still the same $hi)(t on e-mail, you can call them even 8 times and will be the same. Bunch of r3tards. They boss is f0cking w@nk3r… Read Full Review

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★★★★★

“No problems at all”

Written on: 08/12/2016 by Fcam29 (1 review written)

Applied for loan at 8pm then read all the bad reviews about them leaving people for days then not approving etc so wasn't hopeful, less than 2 hours later I checked my bank and money was there, no problems or hassle and lower Apr than most. Well recommended from me… Read Full Review

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★☆☆☆☆

“Worst loan company ever”

Written on: 21/11/2016 by Irene1111 (1 review written)

I make a loan app on friday says approved and after nightmare was starting,4 different emails they ask to sign!!!!never answer back to emails,now is monday and still no sign from them,Stay away of this company… Read Full Review

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★☆☆☆☆

“No no no don't use”

Written on: 17/11/2016 by 107Austin (1 review written)

Approved for a loan like many people before me signed the loan agreement many times everyday as a matter of fact have sent emails which they don't even reply to unfortunately have to give 1 star as that is as low as you can go so my advise to anybody is stay well clear of this lot will win the lottery before they pay the approved loan or get a response to my emails… Read Full Review

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★☆☆☆☆

“Worsrt payday company ever”

Written on: 14/11/2016 by Case48 (1 review written)

Worst payday company ever applied last Wednesday got approved signed loan agreement said would be paid in 2 hours now Monday still nothing every day they send another loan agreement to sign which I'm not going to do have sent numerous emails to ask what's going on they don't even bother to reply SO my advice to anybody don't waste your time with this supposed payday lender unless you only need a loan 3 months in advance of your apply date there a joke… Read Full Review

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★★☆☆☆

“Very Slow & Missleading”

Written on: 27/09/2016

Applied for a loan on a friday and get approved and they say funds will be in your account within two hour... Great you think!!! Not at all as wait two hours and no funds deposited only to then recieve email saying i need to send a document in for final processing... Do this within half an hour and ring to confirm this has been recieved and they confirm it has and say funds will be now deposited. Wait all day and no funds recieved so call them on the saturday to be told systems are now down and… Read Full Review

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★☆☆☆☆

“rubbish”

Written on: 20/08/2016

Payday uk are a pile of rubbish I applied on the 19/08/2016 and was told it would take 2 hours for it to be in my account your full of rubbish its nearly midnight now and still no money in the account payday uk your a waste of time… Read Full Review

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★☆☆☆☆

“Waste of time”

Written on: 09/08/2016 by johnmac50 (1 review written)

This is the company for you if you want to fill a application form, told you're approved and couple of hours later be told your loan application is unsuccessful. Either you're approved or not PaydayUK. If wasting your time is your thing PaydayUK is for you… Read Full Review

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★☆☆☆☆

“No response to complaint after 10 weeks. ”

Written on: 09/06/2016 by Jackster123 (1 review written)

I complained to PDUK about unaffordable and irresponsible lending on 1/4/2016. they acknowledged my complaint, and have ignored me ever since. I have chased the complaint many times, and been told that they are still dealing with complaints from January, so I dont expect any resolution soon. I have passed the complaint to the FOS, but so far PDUK have also ignored the ombudsman. I am certainly not alone. PDUK seem to have ingrained irresponsible lending practices that have gone on for many… Read Full Review

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James226's Response to Jackster123's Review

Written on: 12/01/2017

I have had several dealings in the past and recently with The FOS and payday uk amongst other lenders. Whilst I do not have any legal or professional qualification, I have learned a great deal regarding consumer law and debt collection guidlines and the protocols regarding loan decisoin making including the payday sector. The company you complain about must first issue their "final response" to you in writing before you are able to go to The FOS. However, the time scale for their reply is 8 weeks from the date of complaint, again the compant may extend this date by writing to you in 14 day blocks with updates for what is considered a reasonable lenght of time. about 12 weeks in total. If the business has not updated you withint the 8 wk period at all or it has gone on for over 123 weeks you can register you complaint with The FOS. I can assur you, any busines being investigated by The FOS at any time regarding a legitimate complaint must and is required in law to respond to the compalint. The FOS do have powers and can use strong enforcement powers with The FCA to make a business respond or face very serious penelties. I have experienced the use of this with a payday lender and believe me, they very quickly respond. Of course once a business are in this situation, it is very likely your complaint will be upheld and a fair reasonable amount of compensation can be claimed by order of the finding if upheld. PDUK in my experinece over a couple of years have become more and more "ambiguose" and underhand with their lending decisions and one minuet lending without doing affordability checks then decling the next time round for no apparent reason. If you believe they have loaned to you irresponsibly, you will have to be able to back this up with tangible evidnece, proof and say why you asked to borrorow in the first place? It is possible for this to be a "legal" reason to have loan "written off" but you must be able to show you were under real stress and needed money to pay off other loans you may have been chased for. If your credit report showes finacial problems and missed payments, or recorded recent defaults, at the time of application, you have a case for sure, as this must be used for a lending decision, Also they should ask you for proof of income a bank staement showing all deposites and outgoings over at least a month period. Hope this helps.

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★☆☆☆☆

“A joke ”

Written on: 08/06/2016 by Destinee340 (1 review written)

After being a customer of theirs for years I put a complaint in as I had been given these loans whilst in financial difficulties which has made my situation worse and my finances have spiralled out of control, eventually having to borrow month by month to survive. They had 8 weeks to resolve the complaint 10 weeks later and still haven't resolved it!! Ignore my emails will not respond to any correspondence I've sent then so I've now sent it to the ombudsman. They dont follow there own company… Read Full Review

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★★☆☆☆

“Has gone downhill”

Written on: 21/05/2016

I would have left a really good review, as I have had loans from these guys before and it was always easy and straightforward..However, this morning I applied for £100 at 9am, got approved as always, signed everything online..and 7 hours later I still haven't got the money in my account...No email..nothing. I am less than impressed now. Never had any problems before, but lately I have read reviews that this happens to a lot of people. So, I am sorry but I can't recommend these guys any more… Read Full Review

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★☆☆☆☆

“AVOID THESE !!!!!!!!”

Written on: 04/05/2016 by 241Barry (1 review written)

Don't trust these sharks....They just want to make money out of poor desperate people, they don't care if they hurt you along the way. Customer service lie, make up stories then blame the customer.... AVOID THESE !!!!!!!!… Read Full Review

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★☆☆☆☆

“approved loan”

Written on: 10/04/2016 by Mhwheeler26 (1 review written)

When you apply its says you are approved it even asks you sign the agreement and says the funds will be deposited in an hour....., only later do you find you are infact preappoved subject to final checks. Then you find yourself waiting for days with no information at all. I think they should 1. Say you are preapproved not approved and 2. Tell you if you havent passed credit checks and not just leave you hanging on with no correspondence or clarification. Very poor company based on point… Read Full Review

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77Phil77's Response to Mhwheeler26's Review

Written on: 26/09/2016

Agreed... says your approved and funds will be in your account within two hours...
Hours later no funds depisited and then receive email asking for proof of id to be sent...
Do this withing an hour then call back to be told your application is in a que and will be processed on a as and when basis...
This is three days now since applied and now bee told systems are not working correctly...
Bad application process and very missleading information provide aswell as very poor customer service...

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★★★★☆

“No problems here”

Written on: 12/03/2016 by Potterpg62 (1 review written)

I've used them twice now for different amounts. First time took a little time to go through, but had the money promptly the next day. Managed to early settle which wasn't a problem. Second time I used them was simple. Just applied for the amount, contracts were emailed and the money was in my account within 3 hours. Sometimes they are tough to get hold of, but when I had an issue the person I spoke to sorted it out quickly and efficiently with no problems (My debit card had changed, and I… Read Full Review

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★★★★☆

“No problems here”

Written on: 12/03/2016 by Potterpg62 (1 review written)

I've used them twice now for different amounts. First time took a little time to go through, but had the money promptly the next day. Managed to early settle which wasn't a problem. Second time I used them was simple. Just applied for the amount, contracts were emailed and the money was in my account within 3 hours. Sometimes they are tough to get hold of, but when I had an issue the person I spoke to sorted it out quickly and efficiently with no problems (My debit card had changed, and I… Read Full Review

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★☆☆☆☆

“DONT DO IT”

Written on: 01/01/2016 by 74Noble (1 review written)

Dont read all the good reviews, all are made by them!!!I've called them and they charged me with 50£ just for a phone call!!After you apply they are telling you to call at a phone number to finalise your loan>… Read Full Review

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★☆☆☆☆

“Slow and distressing service ”

Written on: 21/12/2015 by Cadend270 (1 review written)

I took out a loan in OCT and revived it two days after the confirmation date. The loan was due to be payed back in Nov, i received an email saying the loan could not be taken form my account and to log into my Payday UK account to make the payment, i proceed to do this and the website said it did not recognize my details, i then contacted the customer care team on Live chat and via phone. I was told through both forms of contact that my details were not recognized and i should email in a proof… Read Full Review

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★★★☆☆

“Unsure what is going on.”

Written on: 16/12/2015 by Campbell43 (1 review written)

I applied for a £100 loan received it fine. Payed off in a week. I then applied for another loan £300 approved received it fine. I then got lucky and won a football bet and needed a higher loan but didn't want to be declined but applied was accepted. Now waiting after having to now add documents even though I have had two previous. Have to wait for the validation team which seem to be non existent. But yet I've already signed documents about the loan. It makes no sense. Anyone been through… Read Full Review

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