Had a Payday Loan?
You could be due a refund!

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Brought to you by Sanderson Drake

Welcome to payday loan claims

Time Scales

We’ll keep you up to date as your payday loan claim progresses by sms and email.
Please note that where we are awaiting a lenders response, an update may take between 4 and 8 weeks.

Claim Audit
Claim Processing

Payday Loan Claim FAQs

Why can I make a payday loan claim?

Payday Loan Claims are one of the newest claim types on the market with our management team being there since the very start.

No two claims are ever the same, despite how similar they may be and must be worked based on their own merits.

There are many reasons why you could be entitled to a payday loan refund ranging from breaches of FCA Rules & Regulations to failing to provide a Duty Of Care.

Unfortunately, not all reasons on their own are necessarily enough to win a claim, so it is important that a strong case is put together prior to submitting a claim.

What can I claim back from my payday loan?

This depends on the current status of your payday loan. For example;

Consumer Paid In Full

  • Refund of any charges
  • Refund of interest paid
  • 8% interest
  • Removal of adverse credit history

Consumer Paying – In Arrears

  • Removal of any outstanding interest
  • Refund of any charges
  • Refund of interest paid
  • 8% interest
  • Removal of adverse credit history
What is the cost to make a payday loan claim?

Sanderson Drake work on behalf of consumers based on a Conditional Fee Agreement (CFA), similar to ‘No Win, No Fee’ agreement subject to terms & conditions, with no upfront fees!

Where your Payday Loan claim is successful, a fee of 30% plus VAT is payable.
This is equivalent to 36% of the total refund and compensation.

Example 1 – Cash Refund

Cash Refund: £2,000.00

Fee Payable (36%): £720.00
Total remaining to customer after fee: £1,280.00

Example 2 – Combination Of Cash & Reduction

Cash Refund: £1,000.00
Balance Reduction: £1,000.00
Total Refund Value: £2,000.00

Fee Payable (36%): £720.00
Total remaining to customer after fee: £280.00

Example 3 – Full Balance Reduction

Cash Refund: £0,000.00
Balance Reduction: £2,000.00
Total Refund Value: £2,000.00

Fee Payable (36%): £720.00
The customer is required to pay £720.00
A repayment plan must be arranged within 7 days to repay the amount of £720.00 based on an income & expenditure.

If your claim is rejected and your claim is not cancelled by yourself, there is no fee to pay.

If your claim is cancelled outside of your cooling off period, a cancellation fee will be payable.

For more information, please refer to our Conditional Fee Agreement.

Will my payday loan claim be successful?

Before we start processing your payday loan claim, we will first need to review information available to us.
In the first instance, the quickest way to do this is by reviewing your credit report.

If you don’t have any information, don’t worry, we can still help.
This takes us 30 days to obtain once your lender accepts our request.

How long does a payday loan claim take?

This very much depends on what information we are provided by you and how long it takes for your payday loan lender to respond to our claim.

Under the current FCA Rules, the lender has 8 weeks from receipt of our claim to issue their Final Response.

In some instances, your lender may reject or require additional information which can add to this period of time.

How long does it take for my payment to be made?

Where a cash refund is issued, your lender has 28 days of an acceptance being received to process your refund.

We often find this is much quicker however your lender has 28 days to issue the refund to you.

Can I make a claim myself?

Yes, you can do the claim directly yourself to the lender for no charge. You can also approach the Financial Ombudsman Service for free if you wish for them to review your case, if you have approached your lender first, and it falls within their remit

Make your claim now before it's too late...

With lenders such as Wonga, Wage Day Advance and Instant Cash Loans
no longer accepting new clients, now is the time to act to get your payday loan refund.

Got payday loan debts?

If you’ve fallen into arrears or financial difficulty because of a payday loan, we strongly urge you to seek help!

If you’ve taken out multiple payday loans, whether top ups or you’re taking a loan to pay off another, then you could have fallen into a cycle of borrowing.

It’s important to remember you’re payday loan lender has an obligation to ensure you’re suitable, eligible and can afford the repayment without struggling.

If you’ve been in financial difficulty or still repaying your payday loan off, then act now!

Make a claim!


We work on your claim without any upfront fees.

Widely Regarded as Leaders in Payday Loan Claims

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