It’s time for payday lenders to pay up

Have you been choked by debt from payday loans? Debt Hacker could help you get money back and fix your credit score. We're a free service and we make no profit. With Debt Hacker you get to keep 100% of your refund.

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Thousands of complaints made


Debt Hacker has processed over 20,000 complaints against payday lenders, with a total loan value of nearly £9,000,000 that borrowers have claimed against.

Start your complaint now


Debt Hacker featured on Channel 5

Top 10 most claimed
against lenders

  1. QuickQuid

  2. LendingStream

  3. Sunny

  4. MYJAR

  5. 247 MoneyBox

  6. MrLender

  7. Satsuma

  8. Pounds to Pocket

  9. SafetyNetCredit

  10. Peachy

Thousands have successfully complained so far and here’s what they have said :



from a loan that was tough to repay, or

and prevent more payday lenders from exploiting people


About Debt Hacker

Do you qualify for a payday loan refund?

Payday loan complaints have soared 60% in the past year. The Financial Ombudsman Service is predicting 500,000 pay day loan complaints to lenders this year. You could be part of it. 

If you answer YES to any of these questions, then you are likely to get the money spent on interest and charges back:

  1. Did you take out multiple loans from different providers?

  2. Were you using one payday loans to pay for the amount owed on another loan? 

  3. Did you skip eating meals or paying heating bills in order to to pay back a payday loan?

Debt Hacker is a free tool to help you make a complaint to payday lenders.

You get to keep 100% of any money returned to you as a result of a successful claim, as we are a not-for-profit organisation.

Be part of the 500,000 complaints to payday lenders that will be made this year and start your free complaint now.

“I thought I was at my LOWEST point. payday LENDERS TOOK me EVEN LOWER.”


29, Manchester

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We have recently updated our online tool to help to ensure the protection of your personal data, stop any scams and also to assist the PayDay lenders in replying and dealing with your complaint.

Ensuring the protection of your personal data


Alan Campbell, Founder, Debt Hacker has joined leaders from 28 anti-poverty charities, NGOs & think tanks in an open letter to John Glen MP raising concerns about the lack of Financial Conduct Authority action on predatory lending.

Open letter sent to John Glen MP regarding predatory lending

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Debt Hacker is a tool to help consumers submit complaints about payday lenders. Alan Campbell, a former financial services professional who is funding the set-up costs, said: “There are 8.3 million people burdened with over indebtedness through unaffordable lending. It’s massive.”

Financial Times: “Activists try to close down more high-cost lenders”

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For too long, people have been saying to borrowers you’re feckless, you’re responsible for getting into this situation. But for even longer, payday lenders like Wonga have left people in unsolvable financial situations. We’re here to try to change that.

BBC Radio 4: Making lenders bear the costs of unaffordable loans

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The free-to-use website allows anyone who has ever taken out a payday loan or is still paying off debts to a lender to raise a complain directly to their lenders.

The Sun: New tool to help millions claim refunds from payday lenders

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Debt Hacker is a free service that operates on a not-for-profit basis. Most of us are aware of the dangers of payday loans, but Danny Cheetham's story goes to show just how quickly things can spiral out of control.

Save The Student: “My first payday loan was £100 for a night out. 10 years later I was in £26k of debt”

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The Debt Hacker campaign was awarded as “One to watch” in the Best Consumer Campaign category at the Sheila McKechnie Foundation National Campaigner Awards.


What Next?

Debt Hacker is campaigning to put power in the hands of borrowers and help them fight back against exploitative, high-cost lending. We want a world where people with problem debt get treated fairly and can take back control of their money.

Read more about Debt Hacker


Get Money Back

Fight back against rip-off lenders and take back control of your money.


Stop Rip-off loans

Fight back against rip-off lenders and demand a fair credit system.