Terms & Conditions introduced by Itsmypaydaynow.com
By accepting a loan offer you, the applicant, are agreeing to the following:
1. You authorise WageDayAdvanceLtd to collect by Direct Debit, Electronic or any other means any monies owed under this agreement, from any Bank, Credit Card Account or Cheque Account, which the customer has supplied us with details of
2. You agree to us contacting you at work, or visiting you at home, to discuss your account or application
3. All sums owed under the agreement, including interest which will be calculated on a daily basis, shall become due and payable immediately if:
a. Any direct debit has been cancelled on or before the repayment date
b. We believe you have provided us with any false information when you entered into this agreement
c. A statutory demand is served on you, or any other steps are taken by you or any other person, to make you bankrupt
d. You enter into a debt management or IVA program.
4. You have a right to cancel the credit agreement within 14 days commencing on the day after the agreement comes into force. If you wish to cancel the credit agreement you can do so by sending a notice, in writing, to: Wage Day Advance, 14 Low Street, Keighley, West Yorkshire, BD21 3PN.
5. If you decide to cancel the credit agreement you will have to repay to us immediately, and in any event within a period not exceeding 30 days from the day when you exercise your right to cancel, the amount of credit stated, plus a cancellation administration fee of £25, plus any reasonable cost we have incurred.
6. You must inform us within 7 days in writing of any change in name, home address, e-mail address, job or any other circumstances relating to your ability to discharge your liabilities under this agreement
7. We may use credit reference and fraud prevention agencies to help us make lending decisions
8. We may transfer all or any of our rights under this agreement
9. We are licensed by the Office of Fair Trading, our Consumer Credit Licence number is 623347
10. We operate a complaints procedure in the event that you are dissatisfied with any aspect of the service we provide
11. This agreement is governed by English Law (except where the debtor resides in Scotland where it shall be governed by Scottish Law)
Responsible Lending
WageDayAdvanceLtd is committed to responsible lending. As part of our adherence to this policy, we will only lend an amount of credit that we are reasonably satisfied that you are able to repay including any charges on your pay day. In particular:
1. We comply with all Consumer Credit and Data Protection Act regulations
2. We strictly observe 'Know Your Customer' regulations, this means we will not complete any transaction and pay out funds until we are sure we know who you are.
3. We operate a transparent, fixed charging policy - there are no hidden fees or charges, so you know how much you will repay before committing to the loan.
Complaints Procedure
How we will deal with your complaint
We will:
1. Give your complaint immediate attention
2. Do our very best to resolve your complaint as soon as possible
3. Inform you of the person who is dealing with your complaint
4. Send you our full response within six weeks of receiving your complaint.
How do I complain?
WageDayAdvanceLtd is committed to treating you fairly, if you're not satisfied with any aspect of our service, please get in touch with us using the contact details at the foot of this page.
You will also receive a leaflet explaining your referral rights to the Financial Ombudsman Service.
If you are not satisfied with our suggested resolution, or if eight weeks have passed since you first brought your complaint to our attention, you have the right to refer your complaint to the Financial Ombudsman Service. If you want the Financial Ombudsman Service to look into your complaint, you must contact them within six months of the date of any final response issued. You can write to them at:
The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR
Alternatively you can phone 0845 080 1800. Further helpful information can be obtained from visiting the Financial Ombudsman Service website at www.financial-ombudsman.org.uk
Privacy Policy
1. For each visitor to our web site, our web server automatically recognises no information regarding the domain or e-mail address.
2. We collect the e-mail addresses of those who communicate with us via e-mail, aggregate information on what pages consumers access or visit, user-specific information on what pages consumers access or visit, information volunteered by the consumer, such as survey information and/or site registrations, name and address, telephone number, fax number, payment information (e.g. credit card number and billing address)
3. The information we collect is used by us to contact consumers for marketing purposes, disclosed when legally required to do so, at the request of governmental authorities conducting an investigation, to verify or enforce compliance with the policies governing our web site and applicable laws or to protect against misuse or unauthorised use of our web site
4. With respect to cookies: We use cookies to determine, where possible, from which source the visitor was referred to our site
5. If you do not want to receive e-mail from us in the future, please let us know by e-mail, telephone or post using the contact details at the foot of this page
6. From time to time, we make the e-mail addresses of those who access our site available to other reputable organisations whose products or services we think you might find interesting. If you do not want us to share your e-mail address with other companies or organisations, please let us know by e-mail, telephone or post using the contact details at the foot of this page
7. From time to time, we make our customer e-mail list available to other reputable organisations whose products or services we think you might find interesting. If you do not want us to share your e-mail address with other companies or organisations, please let us know by e-mail, telephone or post using the contact details at the foot of this page
8. If you supply us with your postal address on-line you will only receive the information for which you provided us your address
9. Persons who supply us with their telephone numbers on-line may receive telephone contact from us with information regarding new products and services or upcoming events. If you do not wish to receive such telephone calls, please let us know by e-mail, telephone or post using the contact details at the foot of this page. Please provide us with your name and phone number - we will be sure your name is removed from the list we share with other organisations
10. Customers may prevent their information from being used for purposes other than those for which it was originally collected by contacting us by e-mail, telephone or post using the contact details at the foot of this page
11. Upon request we offer visitors the ability to have inaccuracies corrected in contact information, financial information, unique identifiers, transaction information, communications that the consumer/visitor has directed to the site. Consumers can have this information corrected by contacting us by e-mail, telephone or post using the contact details at the foot of this page
12. With respect to security: When we transfer and receive certain types of sensitive information such as personal or financial information, we redirect visitors to a secure server indicated by the display of a yellow padlock on-screen. We have appropriate security measures in place in our physical facilities to protect against the loss, misuse or alteration of information that we have collected from you at our site
13. If you feel that this site is not following its stated information policy, you may contact us by e-mail, telephone or post using the contact details at the foot of this page.
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