MiniCredit is a pay day loan lender offering consumers a short-term option to borrow money. The terms of the loan is short term with a high interest rate offering a quick and simple solution for emergency cash borrowing, if you have a complaint Resolver can help you solve it quickly and simply!
Explains your rights to you
You'll find no legal jargon in our simple, comprehensive consumer rights sections. Our guidance is tailored specifically for every type of issue.
Helps you prepare your emails
We provide a wide range of flexible email templates for you to adapt to your needs – just slot in the specific details for your case, and in a few short clicks your issue will be ready to go.
Creates a case file for you
Your case file is a secure online location for all important documents regarding your issue. You can upload photos, tickets, copies of receipts or external emails from before you raised your issue with Resolver.
Lets you record all your communications
One of the most important aspects of a complicated issue is keeping a record of all your correspondence regarding the complaint – Resolver does this for you automatically.
Lets you know when to escalate your complaint
If you’re not satisfied with the initial response from the organisation you have an issue with, our escalation process will let you know when you can raise your complaint to the next level of seniority and, ultimately to an ombudsman or regulator, where appropriate.
MiniCredit Pay Day Loans
You can use the Resolver system to help you at every stage. You can use it to escalate your issue to all three levels of MiniCredit complaints. If your complaint is not resolved by MiniCredit, you can then package it up and send it to the Financial Ombudsman Service.
Are payday loans regulated?
All Payday loan lenders are regulated by the Financial Conduct Authority (FCA), but, if you have any issues that cannot be resolved you can send your case through the Financial Ombudsman Service after 8 weeks or when a deadlok letter is received. If you submit a case through resolver we will remind you when you can escalate your case to the Financial Ombudsman Service and package your case history up and automatically send this through for you.
General advice on payday loans
Don’t treat payday loans as a regular way to make ends meet - if you repeatedly take out loans, you may find that the repayments become more expensive than the interest on a credit card. Payday loans should be for emergencies only.
Make sure you have enough income to repay - most payday loans companies will make sure you do with some sort of income check, but it’s best to carefully assess your own finances before taking the plunge
Tell the truth. When going through the application process for a payday loan, you need to be honest, or the payday loan company may end up handing you money you can’t pay back. This could easily lead to spiralling, out-of-control debt
Make sure you’re aware of all charges - there can be hidden extras above and beyond the hefty interest on late repayments. Most responsible lenders will detail these on their website - make sure you check the small print carefully
If you’re unemployed, forget it - if you have a part-time job or no guaranteed source of regular income, then it’s too much of a risk for the lender. No responsible payday loan company will approve a loan for you.
Payday loans can become really difficult to manage, especially if you’re late with repayments. For advice on alternative options or how best to handle serious financial problems, get in touch with the Money Advice Service.
To view the MiniCredit contact details press the button belowView MiniCredit complaints contact details
If you feel that MiniCredit has treated you unfairly then Resolver will help guide you through the problem and remind you what to do until the issue is resolved or we will ask you to send your case directly over to The Financial Ombudsman Service to assess your case.
If you simply want to contact Mini Credit, Resolver you can help you prepare the communications and record your emails an phone calls automatically for you, so just in case something goes wrong you have a keep record of what was said and when.
Complaining to MiniCredit with Resolver
Resolver can help you submit and manage your complaint against MiniCredit for free, quickly and simply. Resolver is a free, simple way to manage and resovle your complaint.
- Resolver will explain the facts to you with our complaints guide;
- help you prepare your emails or record your phone calls
- record all your communications for free
- remind you what to do and when; and
- if you cannot resolve your issue then send your case to The Financial Ombudsman
resolver is a free assisted complaints resolution service, designed to help consumers manage their communications with companies from simply updating your details to raising and helping to resovle your issues, by getting your case heard. Find out more about resolver here.