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

A Simple Offer

We believe in simple things. The interest is 0.5% per day on the loan amount and you can repay it early at any time up to the date it needs to be repaid! If you pay it back on time, that’s it, that’s all you’ll ever pay.

What happens if I am late paying?

You will be charged default interest at a rate of 0.5% per day on the loan amount that remains outstanding up to the cap described below.

If you miss any payment we will charge you a one-time default fee of £15 in respect of the first missed payment. However, the total default fees payable under the agreement will not exceed £15. We will not apply any default charge where there is a payment arrangement already in place which we have agreed with you.

You will never pay back more than 100% of your original loan amount. That means if you took out a £100 loan, you will never repay more than £200 in total.

How Can I avoid that?

Contact us! Contact us! Contact us! The earlier you contact us the easier it is for us to help you and arrange a suitable repayment plan for you.

What if I need advice?

Unfortunately, our employees cannot give you financial advice but we can direct you to organisations which might be able to help you by providing free advice. You can contact any of the following organisations who may be able to assist you:

Money Advice Service: For free, unbiased and easy-to-access money tools, information and advice, visit www.moneyadviceservice.org.uk or phone 0800 138 7777 to speak to a Money Advisor.

Advice UK: Member centres offer debt advice including specialist advice for minority communities and people with disabilities – www.adviceuk.org.uk or phone 0300 777 0107.

Christians against Poverty (CAP): For free debt advice in your home, check post code coverage at www.capuk.org then call 0800 328 0006.

Citizens Advice: For advice and information on debt and other topics, visit your local Citizens Advice Bureau (address in the phone book) or go to www.adviceguide.org.uk.

National Debtline: If you live in England, Wales or Scotland phone 0808 808 4000 or visit www.nationaldebtline.org for debt advice and information.

StepChange Debt Charity: For debt advice throughout the UK Phone 0800 138 1111 or visit www.stepchange.org.

Other useful organisations are:

Civil Legal Advice: You may get legal aid if your home is at risk. Check at www.gov.uk/legal-aid or phone 0845 345 4345

Financial Ombudsman Service: If you have a complaint that you can’t resolve with your lender, the Financial Ombudsman Service may be able to help – phone 0300 123 9123 or 0800 023 4567 or visit www.financial-ombudsman.org.uk