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Credit Broker Responsibility

Credit Broker Responsibility

Cash 4 Loans will never:

  • Charge you any fees – it is FREE
  • Purposely try and get customers who are in financial trouble to take out loans
  • Advise people to take loans which are not right for them
  • Let unlicensed lenders see your personal data

We will always:

  • Make sure we work only with fully-licensed lenders
  • Provide a FREE, unbiased loan matching service
  • Meet and exceed the industry best practices
  • Protect your data through the application process

Please be advised that you:

  • Should not apply for a loan if you have financial problems
  • Should take your time and make sure you are completely happy with the loan and understand what payments are required from you
  • Should only agree to a loan that you can afford to pay

Need more help? Contact us at service@ukpaydaytoday.co.uk. Need free financial guidance? Contact the Citizens Advice Bureau – www.citizensadvice.org.uk.

BE WARNED: Late or missed payments can leave you facing very serious difficulties. If you need help visit www.moneyadviceservice.org.uk.

Get Cash Now

£80

7 days

You pay back:     £352.80
Total loan cost: £72.80*

Treating customers fairly: Principle 6 states firms must pay full regard to the interests of their customers and treat them fairly. As stated in Principle 7 companies must communicate with customers in a clear and fair way and never mislead them. For example, it is vital firms make sure how they charge customers is clear and easily available.

Authorisation and consent: CONC 2.5 prohibits companies taking money as a fee from customers’ bank accounts without prior authorisation. We expect the amount or likely amount of any fee to be made clear as soon as possible during this process.

Sharing of personal information: CONC 2.5 stops any personal data – including payment details – being shared with any third parties, unless there is consent form the customer. If consent is given it can only be shared for the purpose stated. If this did happen it would breach the Data Protection Act.

Advertising and marketing: CONC 3.3 means promotions – such as websites – must be clear, fair and not misleading in any way. By way of example, firms have to be clear about their identity and never claim or imply they are a lender when this is not the case.

Transparency of status: CONC 3.7 states brokers must be clear in all financial promotions and other documents intended for customers. They have to clearly reveal their status, the extent of their powers, and what type of service they offer. Any links with lenders must also be revealed.

Transparency of fees and commissions: CONC 4.4 concentrates on fee disclosure and CONC 4.5 on commission disclosure. Any charge payable by the customer must be disclosed at an early stage and agreed in writing before any credit agreement is entered into. This communication has to include when the fee is payable and if a refund could be available.

Refunds: Section 155 of the Consumer Credit Act entitles the customer to a refund (less £5) of any brokerage fee if a credit agreement is not entered into within six months of an introduction to a source of credit, and CONC 6.8 provides guidance on this. A broker should respond promptly to any request for a refund.



Instant cash loans from £80 to £750

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Consumer Advisory: Cash 4 Loans is a loan matching service. Once your application is successful we submit your information to lenders. Once you are in contact with a lender they may require more information from you.

We are not a direct lender. Terms and conditions of any loan will differ depending on lenders. Missed and late repayments might result in larger fees and interest rates. Not all lenders offer loans up to £750. Not all applicants will qualify for the amount they requested. Collection services may be used for non-payment of loans.

We do not directly lend money, we provide a FREE loan matching service to the public.

Representative 1223.6% APR

Representative Example: 1223.6% APR variable. £100 borrowed over 30 days would equal total borrowing of £124.00. Actual Interest is 24%.

Note: the APR you pay may differ depending on the lender that accepts you.

© Atlantic Square Ltd 2012 | Registered In England No. SC182075 is authorised and regulated by the Financial Conduct Authority. Interim Permission Number: 659330. Data Protection Reg: ZA007304

*Fund transfer times may vary based on the matched UK money lender, time of day applied and your bank.