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Complaints

We aim to provide an excellent service across all our digital styles.
However, if any element of our brokerage operation does not meet customer expectations, we take expressions of dissatisfaction very seriously and handle them with absolute transparency. Consumers may register a formal complaint through any of the following official channels:

  • In writing to: ADV FINANCE LTD t/a MrLoans
    Bank Chambers
    St. Petersgate
    Stockport
    SK1 1AR
    United Kingdom
  • By email: complaints@advfinance.uk

How long will it take?

{companyName} manages all formal complaints strictly against the statutory timeframes established by the FCA

  • Prompt Acknowledgement: Your complaint will be acknowledged promptly in writing upon arrival
  • Initial Assessment: Our compliance division will execute an immediate investigation, reviewing background application logs and system routing data to establish root causes
  • The 8-Week Threshold: We aim to issue our Final Response Letter to the complainant as quickly as possible, and no later than 8 weeks from the date the complaint was originally registered
  • Delay Disclosures: If a complex technical investigation prevents us from issuing a definitive response within 8 weeks, we will contact the complainant in writing to explain the operational delay and provide a reliable estimated completion date. At this crossroad, consumers preserve the immediate legal right to pass their dispute to the Financial Ombudsman Service

Escalation to the Financial Ombudsman Service (FOS)

The Financial Ombudsman Service serves as an independent dispute resolution scheme designed to assist retail financial consumers. If you remain dissatisfied with our final outcome or if our 8-week investigation window has expired, you have the right to escalate the matter directly to the FOS.

To file a valid case with the FOS, you must submit your request within 6 months of the date printed on our Final Response Letter.
Their operational contact parameters are detailed below:

  • Postal Address: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
  • Free Telephone (Landline & Mobile): 0800 023 4567.
  • Alternative Telephone: 0300 123 9123 (Calls cost no more than standard 01 or 02 national numbers). If calling from outside the UK +44 207 964 0500
  • Email Communication: complaint.info@financial-ombudsman.org.uk
  • Consumer Website:< http://www.financial-ombudsman.org.uk

Continuous Improvement & Consumer Duty Tracking

In strict adherence to the Consumer Duty rules, ADV Finance Ltd does not handle complaints in isolation. All logged entries are systematically analyzed by our technical and compliance leads to execute root-cause diagnostics.
If a complaint pattern emerges, our automated pingtree routing mechanics, lender matching logic, and marketing paths are immediately audited and re-calibrated. This ensures we actively prevent recurring friction points, reduce consumer distress, and uphold fair-value delivery across our distribution networks.

An unsecured loan is a personal loan that is not directly connected to your assets. The issuing of the loan is completely based on the borrower's credit profile and economic circumstances. Unsecured loans are typically offered with term lengths between one and seven years, and with borrowing levels up to £25,000. However, some lenders set the maximum borrowing level at significantly less.

Warning: Late repayment can cause you serious money problems. For help go to moneyhelper.org.uk

We want you to be sure this loan is right for you. So before you carry on, please only apply for a loan if you are confident that you are able to make the repayments on your due date and still manage your other outgoings. Missing repayments may have a negative effect on your credit rating and make it more difficult for you to obtain credit in the future.
IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY. A PAYDAY LOAN OFFERS A SHORT TERM FINANCIAL SOLUTION AND SHOULD NOT BE USED AS A LONG TERM SOLUTION.

Unsecured short term loans allow consumers to borrow money for a brief time. They can be expensive and they won't be suitable for everyone. But for people who need to borrow money for a short period of time and are confident that they have the means for repayment, short term loans can be an option.

49.9% APR Representative (Fixed)

Representative example: Amount of credit: £1200 for 18 months at £90.46 per month. Total amount repayable of £1628.28 Interest: £428.28. Interest rate: 49.9% pa (variable). 49.9% APR Representative (Fixed) APR rates range from 45.3% APR to 1575% APR. The rate is subject to change and the representative APR may not be the rate you'll receive. The rate you pay depends on your circumstances and loan amount, and may differ from the Representative APR.

Warning: Late repayment can cause you serious money problems. For help go to moneyhelper.org.uk

We want you to be sure this loan is right for you. So before you carry on, please only apply for a loan if you are confident that you are able to make the repayments on your due date and still manage your other outgoings. Missing repayments may have a negative effect on your credit rating and make it more difficult for you to obtain credit in the future.
IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY. A PAYDAY LOAN OFFERS A SHORT TERM FINANCIAL SOLUTION AND SHOULD NOT BE USED AS A LONG TERM SOLUTION.

A guarantor loan involves a third party - such as a parent, legal guardian or employer - agreeing to meet the monthly repayments or pay off the loan completely in the event that the borrower defaults. The guarantor will be legally bound to comply with the terms and conditions agreed to and can be subject to court action and debt recovery measures if they fail to do so.

Warning: Late repayment can cause you serious money problems. For help go to moneyhelper.org.uk

We want you to be sure this loan is right for you. So before you carry on, please only apply for a loan if you are confident that you are able to make the repayments on your due date and still manage your other outgoings. Missing repayments may have a negative effect on your credit rating and make it more difficult for you to obtain credit in the future.
IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY. A PAYDAY LOAN OFFERS A SHORT TERM FINANCIAL SOLUTION AND SHOULD NOT BE USED AS A LONG TERM SOLUTION.

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We don’t require a credit card or any payment

We never charge any fees for the lifetimeyou for the use of our UNIQUE PLATFORM service and therefore we do not need any card details.

3

Repayments on your Pay Date

We recommend set repayments correspond to a pay dates help to manage your money and always make sure you are able to make repayments on your loan in full and on time.

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Will I be accepted for a loan?

The success of a loan application will be dependent on your credit profile, previous and current financial situation, demographic profile and sometimes your relationship with the lender.

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Online & Secure

Your secure online account area allows you to manage your account 24/7 meaning you can apply when you are ready. Simply complete our secured form.

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Let's make today your payday!*

MrLoans has a large panel of payday and other lenders to consider your application. You will receive a decision from one of our panel lenders within minutes of your application being submitted. MrLoans is not a lender but is a licensed credit broker, which introduces borrowers and lenders for the purposes of entering into unsecured loan agreements. We have a wide range of lenders across the UK available to look at your application. If your loan is approved by one of these lenders, funds may be transferred to your bank account on the same day.

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Non Payment Implications

The implications of non-payment of your loan could include adverse details being included within your credit report. This could adversely affect future attempts at securing credit or finance, in addition to further charges potentially being added by the lender. Where you miss a payment entirely, you will often incur a charge/fee that will be added on to the total amount that you owe. Upon a missed payment, lenders will often try to contact you by telephone or letter in order to recover the funds and they may be able to arrange a new re-payment date with you. If you are struggling, or think there is a possibility that you will not be able to meet repayments, We strongly recommend that you contact the lender in the first instance.

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Important things to remember:

- Don't borrow money if you know you will struggle to pay it back
- Don't ignore the situation, contact your lender as your first port of call Please be aware that if do not repay your loan at the agreed date between yourself and your lender, this will result in your lender reporting your case to the Credit Reference Agencies; which may have a negative effect on your credit score. This may negatively impact your ability to obtain credit in the future for services such as car finance, mobile phone contracts or satellite TV subscriptions. If you default, you may be charged a collection fee (which varies from one lender to another), plus interest on the balance outstanding at the interest rate payable under the agreement. You must pay your lender any reasonable expenses and costs that may be incurred in taking steps to enforce (for example, via County Court Judgments), or attempt to enforce, the lenders rights against you under your agreement.

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