What to do if you can’t repay a payday loan: contacting the lender, protecting priority bills, payment plans, Breathing Space and free debt advice.
Category: Borrowing Responsibly
Questions to ask before you borrow.
Complaining About a Payday Loan: Lenders, Deadlines and the Financial Ombudsman
How to complain about a payday loan, how long the lender has to reply, the Financial Ombudsman’s time limits and why you don’t need to pay anyone.
Affordability Checks: What Payday Lenders Must Look at Before Lending
What FCA rules require payday lenders to check before lending, why repeat borrowing is a warning sign, and what it means if a loan was unaffordable.