Terms & Conditions

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TERMS & CONDITIONS OF WEBSITE USE

  1.   Terms of Website Use
    1.   These terms (and any documents referred to in them) tell you, the customer ("You", "Your") the terms of use on which You may make use of our website www.wagedayadvance.co.uk (the Website), whether as a guest or a registered user.
    2.   Please read these terms carefully prior to use of the Website. By using the Website, You confirm Your acceptance of the disclaimers, terms and conditions of use (the Terms). If You do not agree to these Terms, You should exit the Website immediately and refrain from using it.
  2.   Information About Us
    1.   Wagedayadvance.co.uk is a site operated by WageDayAdvance Ltd ("We", "Us", "Our").We are a private limited company which provides non-status payday loans to eligible customers by way of online application. We are registered in England and Wales under Company Number 04179322 and have Our registered office at Unit 7 Acorn Business Park, Keighley Road, Skipton, North Yorkshire. BD23 2UE which is also Our main trading address
    2.   We are regulated and licensed by the Office of Fair Trading. License Number 623347. You can contact us by email at info@wagedayadvance.co.uk or by telephone on 0871 703 7777*.
  3.   User of this Website
    1.   You are wholly responsible for the use of the Website by any person using Your computer. By accessing this Website any person using Your computer agrees to be bound by the Terms. You are responsible for ensuring that all persons who access the Website through Your internet connection and on Your computer are aware of these Terms and that they comply with them.
    2.   The Website is intended for those who are aged 18 years or over and who access it from England and Wales. We cannot guarantee that the information contained on this Website complies with or is appropriate for use in locations outside of England and Wales.
    3.   To register with Us, or make a loan application You must be aged 18 years or over. You must ensure that the details You provide Us with, at registration or any other time, are always accurate and complete. You must immediately inform Us of any changes to Your details by updating Your personal details.
    4.   You agree that You will not knowingly transmit any virus or harmful matter to the Website. You may not use any routine, device or software to interfere or attempt to interfere with the proper working of the Website, nor may You attempt to decipher, de-compile, disassemble or reverse engineer any part of the software comprising or in any way making up the Website.
  4.   Accessing the Website
    1.   Access to the Website is permitted on a temporary basis, and We reserve the right to withdraw or amend the service We provide on the Website without notice (see below). We will not be liable if for any reason the Website is unavailable at any time or for any length of period.
    2.   From time to time We may restrict access to some parts of the Website, or the entire Website, to users who have registered with Us.
    3.   If You choose, or are provided with, a user identification code, password or any other piece of information as part of Our security procedures, You must treat such information as confidential, and You must not disclose it to a third party. We have the right to disable any user identification code or password, whether chosen by You or allocated by Us, at any time, if in Our opinion You have failed to comply with any of the provisions of these Terms.
  5.   Third Party Websites
    1.   This Website may from time to time contain links to other websites. Those linked websites are not under Our control or responsibility. We accept no liability for the content or availability of any linked sites which are not operated by Us or any link contained in a linked site which is not operated by Us. Links on Our Website are provided by Us only for Your convenience and We do not imply the reliability or endorsement of those linked websites. Accordingly, You should refer to the terms and conditions of the linked websites before You use them and You should direct any questions or comments about the linked website to the appropriate website provider.
    2.   You are not permitted (and nor are You permitted to assist others) to set up links from Your own website to Our Website (by whatever means) without prior written consent, which We may grant or withhold at Our absolute discretion. You are not permitted to direct link ("Hot Link") any content or images without Our prior written authorisation.
  6.   Internet Email
    1.   Messages sent via the Internet cannot be guaranteed to be absolutely secure and they are subject to possible interception, loss or alteration. We are not responsible for any messages which are lost, altered by third parties or intercepted and We will not be liable to You or anyone else for any damages or otherwise in connection with any message sent by You to Us or by Us to You via the Internet.
    2.   This Website makes use of cookies. Cookies are files which Our server uses to identify Your computer. Cookies cannot identify which person is using the computer. The cookies We use record which parts of Our Website are being visited and for how long. You are entitled to prevent the use of cookies by configuring Your web browser. Please note that this may hinder the functionality of some of the Website.
  7.   Intellectual Property Rights
    1.   The Website is owned by WageDayAdvance Ltd. Any and all intellectual property rights in the Website including, but not limited to, copyright and database rights and any logos or trademarks (whether registered or unregistered) are owned by and remain the property of Wage Day Advance Ltd (or its third party licensors as applicable) at all times.
    2.   You may view and print paper copies of the content on the Website provided that:
      1.   All and any copies remain subject to the intellectual property rights of Wage Day Advance Ltd and its third party licensors;
      2.   You do not modify in any way the paper copies of any materials You have printed off, including the removal of any copyright or other proprietary notices contained on the Website; and
      3.   You agree that You will not use any part of the Website to:
        1.   insert or knowingly or recklessly transmit or distribute a virus, worm, trojan horse, time bomb, trap door or any other computer code, file or program or repetitive request designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment or to diminish the quality of, interfere with the performance of or impair the functionality of the Website;
        2.   upload, post, email or otherwise transmit or post links to any content that facilitates hacking;
        3.   hack into any aspect of the Website;
        4.   upload, post, email or otherwise transmit links to any content that infringes the intellectual property rights of any third party;
        5.   circumvent or attempt to circumvent, any of the security safeguards of the Website; or
        6.   permit any third party to do any of the above.
      4.   If You use the content of the Website in breach of these Terms, Your right to use the Website will cease immediately.
      5.   No links to the Website may be included on any other site without Our prior written consent. You are not entitled to modify or redistribute the contents of the Website.
  8.   Data Protection
    1.   As a result of Your interaction with the Website, We may collect, hold and process personal information provided by You.
    2.   We may hold personal information for various purposes, including making lending decisions, preventing fraud, debt collection, understanding Your personal needs, conducting Our business, providing You with better products, evaluating the effectiveness of Our marketing and for statistical analysis.
    3.   Further information about how we use your personal data and your statutory rights, can be found in our privacy policy http://www.wagedayadvance.co.uk/privacy-policy.aspx and full details of how your data may be used can be found on our data protection page http://www.wagedayadvance.co.uk/data-protection.aspx
    4.   The information we collect is used by Us to manage Your account and to make collections; it is also used to contact consumers for marketing purposes; it is disclosed by Us when legally required to do so at the request of government authorities conducting an investigation; We also use it to verify or enforce compliance with the policies governing Our Website and applicable laws or to protect against misuse or unauthorised use of Our Website.
  9.   Disclaimers and Limitation of Liability
    1.   We have taken reasonable steps to ensure the accuracy, currency, availability, correctness and completeness of this Website. However, information is provided on an "as available" and "as is" basis and We do not make any warranty or representation of any kind, whether express or implied.
    2.   The use of the Website and the information contained on it are entirely at Your own risk. We shall not be liable for any losses or damages, whether direct or indirect, consequential or otherwise, that You may suffer as a result of Your use of Our Website, including but not limited to computer service or system failure, access delays or interruption, non-delivery or mis-delivery of data, computer viruses or other harmful components, breaches of security or unauthorised use of the system arising from "hacking" or otherwise or Your reliance on the information contained on the Website.
    3.   We do not represent or warrant that the Website will be available and meet Your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to Your computer system. You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.
    4.   We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the Website.
  10.   Governing Law
    The Terms are governed by and interpreted in accordance with the laws of England and Wales. The courts of the above jurisdiction will have non-exclusive jurisdiction in respect of any dispute which may arise.

Responsible Lending & Legal Compliance

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. We assess your credit-worthiness you according to the information you provide, evidence of incomings and outgoings, credit reference searches and records of previous dealings with you.

  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 do I complain?

WageDayAdvance Ltd is committed to treating you fairly, if you're not satisfied with any aspect of our service, please send your complaint in writing to the contact details at the foot of this page, or alternatively e-mail complaints@wagedayadvance.co.uk.

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 four weeks of receiving your complaint.

We will send you our full response within four weeks of receiving your complaint. We will include details of how, if you are dissatisfied with the way we have handled your complaint, you can go to stage 2 of the procedure by referring your complaint to the British Cheque & Credit Association (BCCA) which is our Trade Association and acts on our behalf. Our letter will explain that you will have ultimate recourse to the Financial Ombudsman Service if you remain dissatisfied after stage 2 referral - also that we will regard the complaint as closed if the BCCA does not receive a reply from you within eight weeks of our full response.

The BCCA will investigate your complaint and will provide you with a final response within four weeks of receiving notification of your continuing dissatisfaction.

If you are dissatisfied with the final response from the BCCA, you can ask the Financial Ombudsman Service for an independent review. The BCCA will enclose a leaflet from the Financial Ombudsman Service in their final response letter to assist you if you decide to pursue this further course of action. You should contact the Financial Ombudsman Service within six months of receiving the final response from the BCCA.

Chief Executive
British Cheque & Credit Association(BCCA)
Portal Business Centre
Dallam Court
Dallam Lane
Warrington
WA2 7LT
Email: info@bcca.co.uk
Phone: 01925 426 090

Consumer Credit Association
Queens House
Queens Road
Chester
CH1 3BQ
Website : www.ccauk.org
E-mail: cca@ccauk.org
Phone : 01244 312044

The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR
Website: www.financial-ombudsman.org.uk
Email: complaint.info@financial-ombudsman.org.uk
Phone: 0845 080 1800


Contact Us

WageDayAdvanceLtd
Customer Services
Unit 7
Acorn Business Park
Keighley Road
Skipton
North Yorkshire
BD23 2UE
Telephone: 0871 703 7777*
E-mail: info@wagedayadvance.co.uk


REPRESENTATIVE 2814.2% APR

Representative Example

Rate of Interest (fixed) 

Total amount of credit 
Total charge for credit 
Total amount payable 
Duration of loan 
Representative 
= 29.5% per month
  (383.5% per annum)
= £225
= £66.38 (interest)
= £291.38
= 28 days
2814.2% APR
WageDayAdvanceLtd

Unit 7, Acorn Business Park, Keighley Road,
Skipton, North Yorkshire, BD23 2UE
Tel : 0871 703 7777*
Fax: 0844 443 2322
*Please note calls to this number are charged at 10ppm at all times from a BT landline, calls from mobiles and other networks may vary. Calls may be recorded for training or quality purposes
Member of : WageDayAdvance Ltd is member of the Consumer Credit Association and the British Cheque & Credit Associtaion
Company Reg No: 04179322
Data Protection Reg No: Z1687106
Consumer Credit Licence No: 623347
BCCA Membership No : 4900