Make your payday loan
claim in 3 simple steps!

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Each Refund Is Based On Its Individual Circumstance

Our Largest Refund: £


We Establish If You Have A Payday Loan Claim
We can even tell you if you have a claim in just a few minutes!

Initial Assessment

When we receive your payday loan claim enquiry, we will send you an email with some simple instructions to establish if you have a payday claim.


Once we've completed our review, we will send you our payday claim instruction form which allows us to start the process in claiming back your payday loan refund.


When we receive your signed instruction form, we will start processing your payday loan refund claim. Under FCA Guidance, your lender has 8 weeks to provide their response to our findings.

Claim Back Payday Loan Interest & Charges!

You may be eligible to make a Payday Loan Claim without even knowing it!

Are You Eligible?

Pemberton & Associates take the hassle away from establishing & making a Payday Loan Claim in order to make the Payday Loan Refund as simple as possible for you.

We do the hard work behind the scenes obtaining the relevant information required from yourself.

There is no minimum value of payday loans required and we help all consumers, even those in debt!

Make an enquiry

To find out if you have a payday loan claim, simply complete our payday loan claim form online.

We will contact you upon receipt of your documents

Once we've received your documents, we will produce our findings and will contact you.
Please ensure that you save our number to prevent missing our call

Sign Your Agreement

We will then provide you with our instruction form to complete.
You can view our CFA Agreements here


Once we have received all of the required documents, we will then manage your payday loan claim throughout the claim process to obtaining a payday loan refund.

Unsure who you have a payday loan claim with?

We'll help you find out. Simply submit a request online and we'll  help you find out if you can claim!

Make your Payday Claim online with just a few details!

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Are You Eligible To Make A Claim?

Are You Eligible To Make A Claim?

You may have been mis-sold your payday loan if:

Charges and fees were not made clear to you by the payday lender.

You had to borrow from another payday lender to pay off another payday loan.

You repeatedly borrowed more money on your payday loans from the same lender.

Upon repayment of your loan, you was in financial hardship and unable to buy required items such as food or pay your bills because the repayment was a large proportion of your monthly income.

How Much Can I Claim Back?

No two claims are the same! Every claim is unique however we successfully reclaim:

All Charges and Fees you incurred

All interest that you paid on your payday loan

8% Simple Interest

Removal of adverse credit history

Where applicable, the removal of any outstanding balance

Can You Make A Payday Loan Claim?

What is a payday loan?

Every year, consumers borrow millions of pounds from payday lenders in the form of a ‘short term loan’ commonly known as a payday loan.

Unfortunately, many of these loans lead to further borrowing, financial hardship and in some cases, severe debt problems.

If this sounds familiar, then please contact us to discuss a potential Payday Loan Claim!

Do I need any records of my payday loans to make a claim?

Any information you hold regarding your payday loans will allow us to start our investigations upon your instruction.

Where you no longer hold any information, we can obtain this on your behalf to establish any potential claim upon your consent.

To find out more about making a payday loan claim with Pemberton & Associates, or speak with one of our specialist advisors, complete our online enquiry form, or call us on freephone 0333 577 6888

Can I make a payday loan claim myself?

Yes you can submit a payday loan claim directly to your payday loan provider without any involvement of a Claims Management Company ‘CMC’ with the ability to take your claim to the Courts, Financial Ombudsman Service or the Financial Services Compensation Scheme should you choose.

When doing so, please ensure that you obtain sufficient evidence where making a payday loan claim as your lender may reject your complaint leading to delays where further investigation is required through the Financial Ombudsman Service.

What information do I need to make a payday loan claim?

To make a payday loan claim, we will either require a copy of your credit report, statement of account or authorisation to obtain this from your payday lender. By providing a copy of your credit report or statement of account, we will be able to establish if you have a claim in as little as 48 hours.

To find out more about making a payday loan claim simply complete our online enquiry form or call us on freephone 0333 577 6888

How do I make a Payday Claim?

If you are unsure if you have a claim, or you think you do and would like to start a payday claim, simply visit our online enquiry form and we can get straight to work.

Once you've entered your details, you will receive an email from us with instructions on how we can start investigating if you have a claim.

How much do you charge to make a payday loan claim?

We also work on a Success Basis subject to our Conditional Fee Agreement (terms and conditions).
If we are not successful in your claim, no fee is payable.

For Example:

Cash Refund
If we secured a cash refund of £2,000.00
Our fee of 36% including VAT is £720.00
This leaves you with £1280.00 after our fee has been paid.

Part Reduction
If we secured a refund of £2,000.00 of £1,000.00 Cash and £1,000.00 Reduction
Our fee of 36% including VAT is £720.00
This leaves you with £280.00 after our fee has been paid.

If we secured a reduction of £2,000.00
Our fee of 36% including VAT is £720.00
This means you will need to find £720.00 to pay our fee.

Please note if you cancel outside of your cooling off period, a cancellation invoice for works undertaken may be issued.

What are your Terms & Conditions

Our Terms & Conditions in the processing of your payday loan claim can be found here.

These are also known as our Conditional Fee Agreement.

Why use Pemberton & Associates?

Pemberton & Associates trading as Payday Claim is a Regulated Claims Management Company with many years experience in helping and assisting consumers with Financial Claims without any upfront fees.

We've assisted consumers recover monies from Mis-sold PPI, Payday Loans and Charges Claims.

Our aim is to put the consumer first against banks and lenders whom often neglect the finer detail which can often lead to a claim being brought forth.

Can I cancel my payday loan claim?

You have the right to cancel your payday loan claim at any stage throughout the process by any reasonable means including telephone, email or writing.

Please note that a fee may be payable if you cancel outside of your 14 day cooling off period.

This fee is dependent on the stage in which your claim is at and can vary in price.

You can cancel your claim by

Telephone: 0333 577 6888

Email: claims@payday-claim.co.uk

Writing to us: 113 Fairfield Street, Manchester, M12 6EL

Find out if you have a claim without any upfront fees
Read our Terms & Conditions here

What we do for you

Pemberton & Associates Limited t/a Payday Loan Claims are regulated by the Claims Management Regulator in respect of regulated claims management activities, registration is recorded on the Claims Regulation website: www.gov.uk/moj/cmr (CRM33505).

Full Assessment Of All Your Accounts

Establish Any Claims You May Not Be Aware Of

Handle Your Claim From Start To Finish

No Upfront Fees


Once we've received your credit report, or statement of accounts, we will complete our initial assessment of your claims and where payday loan claims are found, we will provide you with our findings in just 48 hours.

If you are unsure who you have had accounts with, our processes allows us to establish accounts that you may have even forgotten about.

Find out if you have a claim

Simply complete our online form, or request a call back:

Request A Callback


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