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: 2a Highfield Avenue, London NW11 9ET
Call us: 020 3757 1933 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