UK Credit Ltd - www.ukcreditloans.co.uk

This company is a money grabbing sham, they will drain every penny out of you at exhortation rates. DO NOT BE A GUARANTOR they will be even more money grabbing.. they will hound you to your DEATH BED..BE WARNED AVOID AVOID.. NO STARS FOR THESE BLOOD SUCKERS.. I had to put a star which was against my principles

I applied for a loan with uk credit i spoke to a customer advisor on the Thursday Representative who asked me security questions correct information was given on my side post code adress date of birth etc yes i passed the security check on the Thursday well iv never dealt with someone so unprofessional firstly my first phone call was shocking half way through the phone call on the Thursday Representative decided to pause my consultation and asked if it was OK to phone me back in 4 days time on the Monday I literally had no words but agreed Well Representative did phone back on the Monday as agreed before our phone call stared she asked me the same security questions to my surprise she failed me on the security check and was not able to carry on with my application She was only looking at a different post code to my home address on what i passed on the Thursday how unprofessional I give her my post code several times and yes she still got it wrong I asked her how come I passed the security check Thursday and failed the security check Monday with the same security questions again she couldn't answer a simple question to how she got it wrong I told her how unprofessional she was and guess what she even agreed to being unprofessional and getting important information incorrect I was also asked by her to read my own credit report as she was also unable to do as she didnt understand it so i had to write information down for her so she could try and understand whst she was looking at again why couldn't she get this right an important part of her job role all I can say is good luck to anyone who has to deal with someone so unprofessional and unable to carry out her job role effectively in a customer service job role unbelievable pausing an application half way snd asking to phone back in 4 days time Then getting the security question wrong thst she passed on the Thursday how did I end up with someone with no clue in what they were doing in they job role also very unprofessional as a customer service Advisor there just no words really I would not recommend this individual to anyone who needs advice just clueless and unprofessional also unable to do the job role effectively i think she needs to go back on a training course on how to deal with people in a professional manner and get a better understanding of her job role as a customer service advisor

I was a Guarantor for my Daughter a few years ago. She spent a time in hospital and was signed off work. She tried to speak to them re financial difficulties. After a lot of threatening calls, text and emails and refusing her offer of payment they then turned their bullying tactics to me. Constant calls and emails daily. Months later they agreed a reduced payment from my Daughter which she has been paying consistently. However they continued to hound me. I offered a payment to try stop this, NO they would not accept. Months later they sent me a CCJ even though my Daughter has been paying!!! I offered the SAME amount and they accepted? Absolute JOKE of a company. They need looking into!

They give you 2 options 1 is have a guarantor or 2 take an unsecured loan and pay 1 month up front. Once you pay the 1st month someone gets back to you and asks you to pay a further 20% upfront via bank transfer as vat and they will refund once you pay it. They do not send a credit agreement and try to tell you that you HAVE to proceed and give them the money as the paperwork has already been approved by the Head office (all before you have received any money)

1 star: Bad

Reported a day ago

Irresponsible lender

Irresponsible lender.

They don’t ask for real proof of income and outgoings or bank statements. Made a complaint for irresponsible lending and for also giving contradicting information, admitted they gave incorrect information but didn’t uphold my full complaint it’s now with the financial ombudsman and they have been waiting 2 month for them to send them relevant information in regards to my complaint. They took only 3 days to tell me they won’t uphold my irresponsible lending complaint although at that stage I had missed over 12 monthly payments and if they asked for the relevant information in the first place would not have provided me with such a high cost loan adding to debt I was already in. £6000 loan repaying over £15000 back in total which is extortion I really wasn’t well when agreeing to this as I can’t actually remember doing so, all they do is an initial call to go over income and outgoings and will do the same with your guarantor, my guarantor was initially told her outgoings are too much to be able to afford the loan repayment and can she cut back on entertainment which she said yes on the call but she hasn’t cut back on anything. Very easy to get you to sign up but take no care of customers thereafter. Be cautious on agreeing to such terms with this type of company they don’t seem to understand the rules set out by the FCA or financial ombudsman as there previous complaints which have been upheld in favour of the consumer by the ombudsman are identical to my situation yet they dismissed my complaint. Also since my complaint they have ramped up the harassment and payment chasing the message that the loan is unaffordable doesn’t seem to be understood even though I sent through another income and outgoing form which shows that it’s not affordable. Only good thing in my mind right now is the longer they drag it out the more interest they will have to pay me back on top of the interest they will have to return. That’s 8% for each year since the loan starts until the complaint is resolved. Only fair compensation really for the negative impact it can leave on people. I also published this review on trust pilot as it’s my honest experience and they reported it so it could not be seen. Says it all.

If there is anyone out there who is thinking of taking a loan out with these chumps then I advise you to think again I guarentee you will regret calling them. I cant understand how they have any good reveiws I think they may have written them themselves as they are none of those good things written. They are amitureish, useless clowns whos only tallent is talking bs and wasteing time.

I recently considered taking a small loan out and made thr mistake of calling uk credit. There so called quick service and same day pay out managed to take them 4 weeks with every pathetic bs excuse imaginable. I am a profesional person on a good income and my guarentor is a multiple buisness owner and a multi millionaire even though there was no dought thry would get there money back with great ease either way thry still thought that messing about and making outragious demands of my guarentor was the right way to go this company has embarressed itself in front of me my guarentor and his accountant. If anyone out there heeds my words PLEASE PLEASE PLEASE FOR YOUR OWN SAKE DO NOT USE THIS PATHETIC EXCUSE FOR A BUNCH OF CLOWNS!!!!!!!!

I have never dealt with or even heard of such an awful company! Took loan out with them 2 years ago and all was fine until I came into financial difficulty and they said they could help me! Which they did not at all i ended up missing just 1 payment which I was able to repay on the next payment date but they would not accept this and they immediately closed my account with them and sent me to court! I offered many different payment terms with them but they refused every one! They are a disgusting company and are nothing more than loan sharks the company should be closed down! I've had 6 months of pure hell all thanks to them!! I would never recommend them to my worst enemy! My advice never ever take a loan out with them!

Not happy with the service that I have received I feel they have mislead me and wasted my time, yes I have a poor credit history hence why I was using this compnay to obtain a loan with a gaurantor. Have logged a complaint but this does not change the fact that they have wasted mine and my gaurantors time.....

No paperwork, easy to complete application on-line. Staff polite & keep you in the loop as to the stage of the application. Fast payout

gave me a loan and service was excellent