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FAQs – Stop to lending

Frequently Asked Questions

As from 10th May 2021, we’re not providing any new loans.  This includes new loans to existing customers.

As an alternative, for details of other home collected and cash loans in your area, you can visit

Over the years, we’ve been proud to help people who need a loan and can’t get one elsewhere. However, the tough economic situation has resulted in us making the difficult decision to stop lending.

If you’re offered a loan from someone else you should check that they’re authorised to do so. You can do this by searching the Financial Services Register. Here you can search for companies and people who are authorised by the Financial Conduct Authority (FCA).

If you can’t  find them on the register, they might be an illegal moneylender. Find out more about how to spot and report an illegal moneylender at

No, the proposed Scheme of Arrangement is separate to this announcement. Visit to find out more about the Scheme.

  • If you’ve already signed your loan agreement you’ll still get your loan.
  • If you’ve not yet signed your loan agreement, we’re sorry but we won’t be able to finish your application.

Your Rep will get in touch to talk you through what this means for you. They’ll also be able to answer any questions you might have. 

Your Rep is still working and looking after customers. They’re still there to support you and make sure your payments stay on track.  

Our Reps are taking lots of calls right now, so they might not be able to get back to you straight away. If you find that you can’t get hold of your Rep, or you’d like to speak to someone else, please contact us

Yes, if you have a loan, it’s important that you continue to make repayments. Keeping up with your payments will have a positive impact on your credit score. If you’re struggling to make your repayments, please get in touch with your Rep. They’ll understand and will be able to help you. You can also visit our loan payment difficulties page

No, you can continue as you do now. If you repay via your Rep, there are other options available to you. Speak to your Rep for details.  

If you find that you can’t afford your loan repayments, there are things we can do to help you. In the first instance, get in touch with your Rep. They’ll understand and be able to help you. You can also visit our loan repayment difficulties page for more information.

Money issues can be hard to talk about, but help is there if you need it. Speak to your Rep or visit our loan repayment difficulties page for more information. The following organisations may also be able to offer you free and independent advice:

Step change

Free, confidential and expert debt advice online or over the phone.

National debt line

Free advice and help to work out your budget. They give you debt solutions suitable to your financial situation.

Citizens advice

Citizens Advice offer the knowledge and confidence you need to find your way forward.

If you're experiencing personal difficulties, below are some organisations that may be able to support you:

Cruse Bereavement

Support, advice and information when someone dies.  

Macmillan Cancer Support

Physical, emotional and financial support to help you live life as fully as you can.


Advice and support to empower anyone experiencing a mental health problem.


Provide emotional support to anyone in distress, struggling to cope or at risk of suicide.


Helps people in housing need by providing advice and practical assistance.

Yes, of course. Speak to your Rep if you’d like to pay back your loan early. You can also find more information on our make a payment page.

If your friend has got their loan from us or has signed the loan agreement and hasn’t had their loan money yet, you’ll still get your £50. If your friend hasn’t had their loan yet or hasn’t signed the loan agreement we won’t be able to finish their application. This means you won’t get the £50 for recommending them.

You can find your Customer Number in your payment book and on emails or letters you have received from us.

If you haven’t got a payment book yet or you can’t find your customer number, the best thing to do is get in touch with your Rep.

Or, you can contact us. You’ll just need to answer a few security questions before we share any details with you.

If you’d like a written statement showing your loan and your repayments, please contact us.

We’re sorry that you’re unhappy. Speak to your Rep if you’ve got any concerns. You can also fill in our online complaints form if you don’t want to speak to your Rep. 

Firstly, please read through these questions and answers. If you still need help you can:

We’re receiving more calls and messages than normal, so please bear with us if you can’t get through to us straight away.