Smart Pig is a dayloan lender for students, if you feel that you are not been treated fairly by Smart Pig then find out what to do and use resolver the quick and easy service to help you resolve your issue for free!  If the issue cannot be resolved we will send your case to the Financial Ombudsman Service for independent assessment. 

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We are an entirely independent issue-resolution tool that enables the raising and handling of consumer issues, making complaining simpler for everyone. provides:

How does Resolver work?

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.

Here's what some of our 2,719,661 users had to say

Just a short note to thank you for your assistance in reclaiming charges for a Lloyds select account which I had for 14 years. Lloyds bank telephoned me back on Tuesday evening and we went through the details. He phoned me at 10pm and agreed to pay me back £1443.00 including interest.
Eddie Morgan via email
Just a quick note to say A BIG THANK YOU.I have received a refund from Lloyds bank..with out your help it would have been thank you again.
Maureen Russon via email
Thank you for your help my case as been resolved within 24 hours and £795 in my account already!!
Elsa Holdsworth via email
Hello Resolver Customer Care 'Experts' Another Victory! I submitted my completed template and within a few days I received a telephone call from my bank. The caller was very sympathetic to my case and put me at ease immediately. I didn't think my case stood a chance because it went back to 2006. I'm not too well at the moment and answered the questions as clearly as possible . 24 hrs later I received another call from the same caller who advised me that my case had been successful. Lloyds have refunded me some £600+ that includes interest. Thank you Lloyds and thank you Resolver
Fred Share via email
Wow! where have you been all my life?. I used your service to question an unfair bank account with the TSB. Just 10 days, (Yes, 10 days from start to finish) later, I am sitting with £1905.07 in my account and they have also resolved an on- going earlier claim for PPI. (444.00). Where do I send the flowers? A huge thank you for a wonderful, easy to use service.
Mary gillies via email
By using your service via Money Saving Expert website I have reclaimed over£7k, yes! £7,000 on PPI. Brilliant and Thank You so much. P.S. Now using the same service to try for reclaiming the whole mis-sold packaged account. Wish me luck
Gillian Lister via email
Just to say a big thank you. I only contacted the bank two days ago and they have resolved my issues and refunded me a total of £1733 .it just shows that we shouldn't take things lying down . Thank you to all your team
Julian warren via email
Thanks for all your help. Not only have I had a full refund for mis sold account it gave me the confidence to challenge my ppi claim.from years ago and that had also been resolved. I am so thankful to and will be using you shortly to look at 2 store cards I had ppi on also.
Sally Shaw via email
Thank you resolver £30 from Lloyds bank for my inconvenience.
Darran Whatley via facebook provides

Using Resolver, you can submit an issue about 1 service offered by Your case will be sent to the correct person or team at and escalated at the correct times, to the correct person, if required. 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 complaints. If your complaint is not resolved by, you can then package it up and send it to the Financial Ombudsman Service.

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Helping you with

Got an issue or need assistance?

If you have any issues with Smart-Pig 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 then 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.

Contact details

To view the contact details press the button below

View complaints contact details


If you have an issue with Smart Pig and are not sure how to deal with it, resolver is here to help.  

Be smarter than your parents expect and resolve your issue yourself for free!

resolver is private, secure and simple and will help you manage your issue without anyone else needing to know!


Have you been treated fairly?

Smart Pig is a specialist payday loan lender offering services for students, so you can get £350 loan between student loan payments.  If you feel that Smart Pig 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 feel something is unfair then often it is, resolver will help you help yourself to resolve your concern.  

Smart Pig complaints

If you simply want to contact Smart Pig, 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.   You should ensure you are prepared and resolver makes it easier to contact the company than going directly to them.  From the resolver App you dont even need to look up their phone number.

Smart Pig Customer Services contact details

resolver has all the contact details for Smart Pig and you dont have to look them up, quick simple and hassle free.

Complaining to Smart Pig with resolver

resolver can help you submit and manage your complaint against Smart Pig 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 Service who will independently assess your case.   

Need advice on making a complaint to Smart Pig?

If you need any advice with your issue then 'Get Started' and find out your rights with resolver and our Advice Guide to explain your rights or for additional assistance in dealing with your issue then contact the Financial Ombudsman Service on 0300 123 9 123 (from your mobile) or 0800 023 4 567 (from your fixed line). 

Why use resolver to complain to Smart Pig

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.

What is the Financial Ombudsman Service?

The Financial Ombudsman Service is a free independent service to help assess your case and provide resolution where an companies have not followed the correct procedures. See a video about the Financial Ombudsman Service here.  By recording your case in resolver you help provide a clear and accurate record for the Ombudsman to assess. 

What if Smart Pig does not respond?

Once resolver has submitted your issue, if Smart Pig does not respond to your issue or you are disatisfied with the response, after 8 weeks the Financial Ombudsman Service will assess your case, look after your finances and ensure you are being treated fairly with resolver.

Submitting an issue to Smart Pig with resolver

If you have any issues with Smart-Pig 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 then contact the Financial Ombudsman Service on 0300 123 9 123 (from your mobile) or 0800 023 4 567 (from your fixed line). 

Smart Pig background

Smart-Pig is a loan company owned by FCL Limited. rather than a traditional payday lender, Smart-Pig focuses on loans for students, the idea being to help cover shortfalls until your next student loan payment. 

Borrowers can draw loans of between £50 and £350 over the course of one to 180 days. Typical interest rates for Smart-Pig are an annual fixed rate of 256% and a representative APR of 1385%. There is also a £14 initial fee.

If you feel that Smart-Pig hasn't acted in the way it has promised to, then resolver will help guide you through your Smart-Pig loan complaint.

Working with

With Resolver you can send your case to key ombudsmen and regulators including:

Furniture ombudsman Ombudsman services Financial ombudsman service C e d r Gambling commission Consumer dispute resolution ltd logo Transport focus logo

Resolver is a member of

Advice u k Justice C t s i Ombudsman association Trading standard approved

Resolver promises

We will never share your personal data with anyone without your permission - your case will go to the firm you’re complaining about and, if appropriate, to an ombudsman.

If you find something wrong with a company or our processes, tell us and we will put it right.

You can raise a complaint against Resolver via Resolver itself.

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