Read the OFTs guidance on dealing with debt collectors for more information about your rights. If you think youre being treated unfairly by a payday lender, send them a written complaint outlining why you think they are not adhering to the OFTs Lending Guidance. If you do not receive a satisfactory response within eight weeks, escalate your complaint to the free-to-use and independent Financial Ombudsman Service, who settles disputes between lenders and consumers.
Industry can banks give personal loans. In March 2013 the OFT announced it had serious concerns about payday lenders after it uncovered evidence of widespread irresponsible lending. It said lenders were failing to explain adequately how payments will be collected, using aggressive debt collection practices and not treating borrowers in financial difficulty fairly.
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