Payday UK

"dont use them" .... , norwich
I borrowed £120 and without even trying to take it out in one sum there taking it out in little bits without me knowing! which has put me in arrears with them and there charging me more.. but now there not even letting me login! and apparently my info aint on there system just disgraceful

"Good to bad" Moo , Cornubia
Strarted off fine with no hassle. Until everytime the loan repayment date came up I would get numerous phone calls, emails and text messages basically trying to get me to defer my loan. Sure, this can be helpful but ultimately gets more money for them as its £20 a pop and you still have the full amount of loan and interest to pay back. And also when I've paid well in advance of the pay back date, the loan and interest are just the same so there is no incentive to pay back early. I've never given them any reason to be concerned about my repayments and suddenly they want to know where I work and the telephone number (information they already possessed) which makes me wonder to what degree do they respect your privacy and whether they have contacted my work place for no good reason. Since then they have blocked my account, again for no valid reason and I'm still getting numerous phone calls. Looking forward to parting company with them and not having the headache of the constant contacting. One other thing is that it doesn't fill me with confidence when I receive calls from people who speak in broken english asking for my personal details

"Do not use this company" Skylah , Oldham
Absolutely DISGUSTING. I have been a customer with this company for a few years and have never defaulted on any of my payments. However I came into financial difficulties and called them to let them know so that we could arrange a payment plan. However as Dave also described above they decided to try numerous different money combinations without my consent and cleared my account leaving me with no money to live on. I called the customer services and they were so unhelpful it's untrue I spoke with the manager whos customer service skills were absolutely shambollic. Avoid them like the plague. Rude, unprofessional and I will not be using them again.

"It does what it says on the tin." Robin , Chelmsford
I have always found this company's staff friendly and efficient. If you need a short term loan I wouldn't hesitate to use Payday UK. Obviously pay day loans from any company are relatively expensive. However that is made extremely clear from the outset.

"This company should NOT be trading!!!!" me , england
This is the worst company ever, they rip you off, they are incompetent and unable to do their job properly, i wouldnt even give them 1 star, but i have to mark something down, they are rude on the phone and unwilling to help with anything, all they are bothered about is having the money back in their account and are willing to do whatever they want to get it, whether its legal or not THIS COMPANY NEEDS SHUTTING DOWN AND GIVE EVERYONE THEIR MONEY BACK, SO THEY CANT RIP ANY1 ELSE OFF!!!! TOTALLY AWFUL COMPANY !!!!

"If it's urgent DON'T BOTHER!" Ken , London
When deciding to use these types of companies, there has to be some extraordinary circumstance behind the reason. My example came upon the failed payment of my work bonus which I was relying upon to cover the bills as it had been a particularly bad month. PayDay UK was my port of call as they won me over with their 'No hassle. No fuss' slogan. I've used other companies before with no bother - Quickquid for example (recommended) but decided to give them a go. I applied in the usual fashion and straight away received the 'you have been approved email' so I thought everything was ok. This was in an evening after work and when nothing turned up in the few hours promised, I assumed it was due to the lateness of the day and that it would be waiting for me in the morning. When it still hadn't arrived the next evening and with no contact from PDUK I decided to give them a call. I spoke to the lady on the phone, who was nice enough but informed me that due to 'unknown' reasons I would need to simply provide them various forms of ID despite reassuring me that 'everything looked fine' and it was just a formality. Whilst never being asked for any of this by any other PD loan company I played along, feeling that if it had been approved already and that this would be the end of it. I sent them photos of the passport, bill, bank statement & front/ back debit card requested in a reply to an official email which again stated all was already approved. I waited (again) until midday the following day (technically now day 3) and gave them a call as again, I had heard nothing. This time another girl answered and told me that my documents were now with the underwriters who were looking into it, that everything STILL looked ok and that I should be patient and wait to hear from them that the funds had been transferred. I heard back nothing. No funds transferred. Today (Day 4) I called them first thing from work. I took a more aggressive tone and demanded to know what was going on as I am now needing to make other arrangements. I was told that two of the ID's I had sent did not meet their requirements (although none were initially set) and that I would need to resend the documents when I got home and they would make the transfer - no doubt taking it into day 5! At this point I'd had enough and told them I didn't want the loan any more as I had wasted enough time with them. I was told I needed to be put through to the cancellation department to avoid any phonecalls from them. After holding for 5 mins I then hung up. I am a home owner and clear £2k a month and I was asking for £450. The way I was treated you'd think I was trying to get a mortgage out of them!! I have since made other arrangements but as for PayDayUK avoid like the plague. Got messed around for 4 days and got nothing but a headache.

"harrassing, expensive and hidden costs" steve , Lincoln
I used this company once and would never ever use them again whilst wonga or other lenders are out there. They phone you up before your loan has been recovered trying to get you to take out the next one and harrasing you to extend your current loan. And like Ian in Somerset, they phoned me repeatedly asking for my date of birth and my responses to this became less and less polite. When you take out the loan, it's free transfer if you're happy to wait up to 5 days for the cash - sort of goes against the need for a quick payday loan. If you want it straight away they charge you £25. Finally, once the loan has been repaid, I get text messages every day and every day I opt out of them ........ they're like hotel california...... you can never leave. Please, avoid these vultures

"Dont DO IT" Sue C. , St Helens
I borrowed money from PayDay UK and I will never do it again, They were quick enough to give me the loan but very quick to recover it back. I fell into difficulty paying the money back as I had lost my job, They had a financial statement from me and I agreed an amount to repay, they used my card to take £173 pounds out of my acc within two days and didnt leave me with any money to live off , for the next two weeks. When I phoned them I spoke with one person then got passed to another but all he said was well your account is cleared now you dont owe us anything else. I asked for an amount to be credited to my acc till next week but all he kept saying was your acc is clear. If you are looking for a loan take heed from this review and Dont Do IT. I was desperate and very unlucky. Dont Borrow From PayDay UK. My star rating woulld be 9/10 for the loan but 0/0 for helping you with difficulties.

"OMG!" Jane , hounslow
i applied for a loan yesterday at 5pm got accepted everything went well. Its now 4pm the next day and my money still isnt in my account 24 hours later. My bank is fast payment because wonga.com only took 10 mintues! i wouldnt recoment this so called payday company i am now late paying my bills and by the looks off things this money wont be in my account untill monday ( i get paid on monday ) stupid company

"Harrassing text messages" Ian , Somerset
I kept getting harrassing texts advertising Payday (approximately one every half hour), when I hadn't asked for any and didn't want them. An email to them got no reply and my phone call went to someone on the other side of the world, answered by an asian woman who wanted my d.o.b. even though I didn't have an account and was making a complaint!!! Eventually got an English guy who went through the motions, then put the phone down on me. If this is how they run their business, I wouldn't trust them in money matters!

"Are you STUPID or what" mr APR , Liverpool
PLEASE DON'T USE THIS SO CALLED 'company' the interest is just plain stupid I can't understand why you don't just either live within your means or seek money from other better sources. trust me you will regret it like me if you do stay well clear otherwise you will spiral out of control quicker than you think

"Disgustiing!" Rachael , Kent
Complete joke of a company, not a qualification in sight amongst any of them. I have previously had 2 loans and repaid both on time - no hassles. I try to apply again and get refused as I am paid fortnightly... My reply to this was; I have always been paid fortnightly and I have never had an issue paying the loan back - clearly - and the fact when I made my primary application I would not have said I am paid monthly if I'm paid fortnightly why would I lie if I am a genuine customer?.... Needless to say I did not get ANYWHERE.... They pretty much told me if I lied and said I'm paid monthly I would get a loan. What a joke!

"Soooo Long" David , Cambridge
After signing the contract at 5.30 pm, still nothing in my account the next day by 8 a.m. although my bank accepts fast payments and Payday UK guarantees "fastest payment" + "transfers including on weekends" . It is just Bu*****t... Wonga is a better by far.

"Not good for repeat custom" Maria , London
I used them a few months ago and they were fine. Although I was bombarded with marketing calls, even after the loan had been paid off. I simply ignored them. I have just tried to use them again and I had provisionally been accepted. They then repeatedly try to call me but was not in a position to take the call. So I used their online 'chat' system to find out what was going on. I was informed that they needed to have a call from my landline in order to complete the application. I asked to have the agreement cancelled as the whole point was the ease of an online application. It was odd as I paid them back on time. There were no attempts to simply put the matter right. I'll never use them again

"HEARTLESS BEASTS!" Mehrdad , Livepool
Worst company i have ever come across with, they are the first that make me to file a sue case against. My payment agreement with them had the pay due date on the 28th! out of no where they have taken away the amount on the 16th of December and yes right before Christmas, left me with no money for grocery / Christmas shopping untill the 23rd that i get paid. i will never EVER apply for any short term loan specially with these b******.. Funny thing is after i told them i am taking them to court they locked down my online access, i talked to theri online service chat and they said they said i need to fax them my passport details in order to get access to my online account. How the hell did they lend me the money in the first place oif they could not verify my identity????!!!!!

"Terrible Company" Gazza , Hull
After getting a loan from this company in August 2011 and repaying on time, I applied again today (December 2011) and have been turned down due to the fact that I am paid weekly and not monthly. My cicumstances havent changed in any way since getting the last loan so I am left baffled as to how this company works??? I was even told after repaying the loan that I would be eligible to apply for a greater amount the next time if required. I have now applied to a different company and got the loan that I wanted, which was simple and straight forward.

"Utterly shocking company" Lee , Edinburgh
Utterly shocking company. Applied as a customer who had previously had and repaid a loan and was told I was required to send in a bank statement, my passport, my bank card and also a utility bill this time. When I had done this I was then informed that I had been declined because they could not verify my details even although I had already repaid my previous loan! I spent twenty minutes on the phone to unhelpful and arrogant advisers to be told that my details HAD been verified however I was still declined. I was not offered a reason and when I enquired as to why I was told "its the underwriters decision, they dont give a reason". A manager and two separate agents couldn't find any reason for me to be declined and were not even remotely interested in trying to do so.

"Beware!!" Dave , Dumfries
I lost my job and could not afford to pay back the requested amount. I called to tell them this so they emptied my bank account by trying 40 odd different combinations of money requests in one day for various different amounts until I did not have a penny left to spend that month. Thanks for nothing you bunch of s********s.

"Not impressed" Joe , Retford
I used this company and I had the option to defer my payment so I text defer and the automatically deferred my loan repayment without making me aware that there would be a 95 pound charge I had no t&cs sent at all.

"seemed good at first" brett , southampton
Took a two hundred pound loan from them, all going well until one of theyre people called me to see if i wanted to roll over the loan. got my answer machine, that day i tried to log into the online account with my password and details but couldn't id been locked out and had to phone theyre customer services to get back in. so i did. got someone who hardly spoke english and barely understood what he said, i gave him my details, answerd my security questions then got told the reason i couldnt get in was because they required me to send them 3mths statements. i pointed out that A i had already had the loan. and B i dont get paper bills, i was told i couldnt get into the online account until i sent the statements. they took theyre payments from me and sent the confirmation letter on the correct day, they have since txt and emailed me inviting me for another. but they still want the statements. not again. poor customer service, automated responces to questions. and for some reason since them my credit rating has dropped and its harder to get another payday loan else where. wonga on the other hand deposited the cash in under 6 minutes and were straightforward and simple. so now i give them my money for thiers.

"Does What It Says On The Tin" Dean , Rhyl
got accepted, had no problems, only gripe is that they take to long to deposit the money was waiting over 8 hrs in my case

"Wonga.com before this lot!!" Kevin
Wages paid late, paid the £500 borrowed in full 3 days later. tried to access account to re-apply but was blocked out, called them and they asked for copy of drivers, bank statement, utility, debit card front and back, then was declined. This was my 4th loan and was declined!! I now use a company called Wonga, they put the money in your bank within 15minutes. I once finished work and texted a loan from Wonga.com when I was on the bus and the money was in the bank when I got off. http://www.wonga.com

"thank you" Lee
you guys are very fast and dont let any1 down

"lee" Lee
good

"Amazing" Maciej
Grate place to borow cash

"Best Of the Rest" Robert
I've found payday UK to be the best of a bad bunch when it comes to payday loans. The customer services were reliable and helpful when I had a question. It takes a little bit longer for the funds to hit your account, but if you have applied by 3pm it's in your bank same day. When I had a problem repaying my loan as my wages were late, they told me that they had to try for a debit card payment on the due date, but once it failed, they happily rescheduled the payment for me at no extra cost!!!! Which other companies were not happy to do. Great service, the option to 'defer' payment and pay what I could afford that month, and polite and friendly staff! Alot of other companies could learn a great deal from them! On a short term basis, well worth using. Not a long term solution though.

"Thank you" David
I would like to take a second to let you know that the loan was deposited into my bank account this morning. I would also like to thank you for the speed and efficiency with which the entire process has been carried out. I very much hope to use your excellent service again in the future. In the meantime, thanks again and the season's best wishes to all at PaydayUK.

"Fantastic!" Jacqueline
You guys are fantastic. I can’t thank you enough for the service you offer, no paperwork, no hassle is fantastic, really helps people like me out. I have told many, many people about PaydayUK because of the excellent service and great customer care.