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

Complaints

Upon investigation of your complaint, if we find that we have made an error, we will correct the matter immediately, and keep you informed every step of the way. This will detail what we have found, and what we have done to correct it.

If, however, objectively we disagree with your complaint, our commitment to communicating our decision remains. We will detail how we have concluded our disagreement, along with suggestions of next steps to resolve the issue. There may also be occasions where we only disagree with a part of your complaint, but we will make this clear to you in our response.

HOW WE DEAL WITH COMPLAINTS:

Where possible, we will acknowledge receipt of your complaint within 24 hours of receipt. Please note however, that there may be occasions where this takes longer than anticipated, so please be patient, as we will always reply.

If we cannot resolve the matter satisfactorily within 72 hours, or if more time is required in order to sufficiently investigate the complaint, we will inform you immediately, and keep you updated every step of the way.

You will receive a final response to your complaint within eight weeks of the original complaint. In exceptional circumstances, if the complaint is still not resolved, we will communicate to you the reasons why, and fully explain the remaining options to both parties.

HOW TO CONTACT US TO COMPLAIN:

We are an online business, and as such, the following methods are available to you should you need to contact us.

By e-mail to: [email protected]

By post to Loan Curve, Bank Chambers, 93 Lapwing Lane, Manchester, M20 6UR.

European Online Dispute Resolution Platform In relation to your complaint you can also request a review from the European Online Dispute Resolution platform: https://ec.europa.eu/consumers/odr/main/

FINANCIAL OMBUDSMAN SERVICE:

If you feel we have been unable to resolve your complaint satisfactorily, and feel that by further communicating with us, a resolution will not be found, you are entitled to request an independent review of the matter from the Financial Ombudsman. This must be made within 6 months of the date of our final response.

You can contact the Financial Ombudsman using the below details:

The Financial Ombudsman Service
Exchange Tower
London
E14 9SR
Telephone Number: 080 0023 4567 or 030 0123 9123
E-mail: [email protected]
Website: www.financial-ombudsman.org.uk

Dunham Technology Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number 917634, and is an appointed representative of ESL Consultancy Services Ltd - registered in England and Wales under company number 11483654, with a registered office address of 20-22 Wenlock Road, London, England, N1 7GU - authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number 835333. Dunham Technology Limited is Licensed by the Information Commissioners Office (registration number ZA577714).

To apply for loans through our website you must be a UK resident over 18 years old. We are a licensed credit brokerage business authorised by the Financial Conduct Authority, which effects introductions between borrowers and lenders as well as other brokers, for the purposes of entering into loan agreements. The operator of this website is not an agent or representative of consumers or any lender and does not endorse the services offered by specific lenders. As a broker we process the information you provide us and pass this onto our trusted third party lenders and brokers to help you apply for a loan. For more information on how we handle your data see our Privacy Policy.

The actual loan offer you may receive may be lower than what you applied for. This is because each loan application is analysed and dependent on personal affordability. Lenders will also consider loan period, income and outgoings, which may result in the requested amount being declined, but a lower amount being offered.

Auto Decisioning allows lenders to make a decision on your loan application without the need for human interaction, for more information please contact your lender or see their privacy policy.

A Short Term High Cost loan should not be used as a long term solution. You should be aware that it may involve repaying a higher rate of interest, extending the terms of the debt and increasing the total amount you repay. If you are thinking of consolidating existing borrowing you should be aware that it may involve repaying a higher rate of interest, extending the terms of the debt and increasing the total amount you repay.

A guarantor is someone who agrees to back up your guarantor loan and steps in to make repayments if you don’t. Guarantors are usually friends or family members as these are the people who know you best.