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Complaints Procedure

Payday Bad Credit is a direct lender which offers finance for those with a range of credit histories. It is free to apply on our website and your details will be held safely and securely on our system.

Payday Bad Credit is a trading style of Western Circle Limited with company registration number  7581337.

We are fully authorised and regulated by The Financial Conduct Authority. Our full permission license number is 714479
and to protect your data, our ICO registration number is Z3305234.

Our Complaints Policy

We take the handling of complaints very seriously and are committed to providing a quality service for all our applicants and customers. When something is wrong, we want to make it right and want to ensure that our users are happy with the service that they have received through our website and have had a good experience overall.

Our Procedures

If you would like to raise any concerns, you can contact us in the following ways:

Email: complaint.handling@westerncircle.co.uk

Write to us at: Office 7, 2a Highfield Avenue, NW11 9ET

Call us: 020 3909 5555 Monday-Friday: 9:00am – 5:30pm

Upon Receiving Your Complaint:

  • You will receive prompt written acknowledgement that your complaint has been received and we are dealing with it.
  • We will aim to resolve your complaint as quickly as possibly.
  • We aim to issue a final response within eight weeks of receiving your complaint, but if we are unable to reach a resolution at this stage and further investigation is required, we will write to you at this stage informing you of the reason for the delay. We are committed to ensuring that you receive a final response letter within eight weeks of the Company receiving your complaint.

Contact the Financial Ombudsman Service

If you are not happy with the resolution offered, you can request a formal review from our Complaints Managers or the Financial Ombudsman Service.

Financial Ombudsman Service, Exchange Tower, 1 Harbour Exchange, London, E14 9SR

Telephone: 0800 023 4567

Email: complaint.info@financial-ombudsman.org.uk

Website: https://www.financial-ombudsman.org.uk/

Representative example:

Borrow £700 for 6 months. 1st monthly repayment of £168.45 , 4 monthly repayments of £224.60 , last monthly repayment of £112.20. Total repayment of £1,179.05. Interest Rate p.a. (fixed) 185.39%, RAPR 611.74%. Our APR includes all applicable fees. Daily interest is capped at 0.793%.

Copyright Payday Bad Credit 2019 ©

Payday Bad Credit is a trading style of Western Circle Limited – Company Registration Number: 7581337. We are fully authorised and regulated by The Financial Conduct Authority.
FCA full permission license: 714479
ICO Registration Number: Z3305234

Payday Bad Credit terms and conditions apply.

Applicants must be 18 or over. All loans are subject to affordability, applicant verification and traditional credit checks via various national databases by Payday Bad Credit responsible lending policy. Loan limit maximum of £1,000.

In most cases, loan decisions may take up to 30 minutes during office working hours.
If your bank does not support Faster Payments, funds will be sent to your account the same day as approval so long as you’re approved by 16:30.

Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk