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PiggyBank 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 four levels of PiggyBank complaints. If your complaint is not resolved by PiggyBank, you can then package it up and send it to the Financial Ombudsman Service.
Got an issue or need assistance?
If you have any issues with PiggyBank, you can submit your issue through Resolver. If you need any advice then click on 'Get Started' and Resolver can explain your rights – or, for additional assistance in dealing with your issue, contact the Financial Ombudsman Service on 0300 123 9 123 (from your mobile) or 0800 023 4 567 (from your fixed line).
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 PiggyBank contact details press the button belowView PiggyBank complaints contact details
If you have any issues with PiggyBank, you can submit your issue through Resolver. If you need any advice, click on 'Get Started' and Resolver can explain your rights – or, for additional assistance in dealing with your issue, you can contact the Financial Ombudsman Service on 0300 123 9 123 (from your mobile) or 0800 023 4 567 (from your fixed line).
PiggyBank loans is a short term loan brand run by a company called DJS (UK) Limited. It offers short-term payday loans from £100 up to £1000 (or up to £1500 for returning customers).
Its typical representative APR is 1270% and you can get a fixed rate per annum of 292%. Loan terms for PiggyBank loans are from seven to 35 days. However, PiggyBank also allows customers to take out instalment loans for up to 5 months.
PiggyBank doesn't charge admin fees, and undertakes credit checks and feasibility checks to ensure you have the capacity to repay.
PiggyBank lists its responsibilities as a short-term lender on its website, but if you feel that PiggyBank hasn’t lived up to its claims, you can make a payday loan complaint to them using Resolver - and it’s entirely free, so get going and get your payday loan complaint Resolved!