Some times we have to deal with unexpected emergencies from time to time. When that happens, we don't always have the cash necessary to cover the expenses. 100Pounds is one of the solutions when you find yourself in a situation like this (other solutions where you can borrow is from a credit union or from friend/ family).

*Keep in mind that Payday Loan is an expensive form of credit that is unsuitable for longer term borrowing needs and for those in financial difficulties.

As a business, our values are based on integrity and full disclosure from our customers. You will qualify for the 100Pounds subject to: Credit information, Affordability and KYC checks. (Please remember that you have to have a UK current account, and a debit card and a regular source of income so that you can repay the loan).

When you register as a new customer, we'll need to know your personal details, the details of your regular income source, and your bank details - so we can deposit the loan into your bank and take the repayment on the due date. These details will allow us to assess whether the 100Pounds is the right solution for you. We will also be able to confirm your identity using your personal details, in line with the Consumer Credit Act and Anti-Money Laundering regulations. Please make sure that the data you give us is current and accurate, or your application may be declined.

No, we can only approve customers who sign up using a personal debit card, that is linked to their bank account and belongs to them.

Yes ‐ You can have £100-300 sent over to your bank account within one hour.*

*Subject to: Credit information, Affordability and KYC checks.

No, you need to be employed in order to qualify for a loan from us.

Unfortunately no, you cannot have any other open loans when you apply with 100pounds.

You'll need to be a UK resident, with an open bank account, a debit card, mobile phone number and an active email account. You'll also need to be able to repay your loan on the agreed repayment date. It's important that you don't register, if you think you may be unable to repay your loan on time.

Please use the contact form on our site, or email the team at support@100pounds.co.uk, and we'll check your application and account and make any amendments that are required. We shall let you know about your application subject to: Credit information and Affordability (based on your new employment status and income).

Yes, you need to be over 18. If you are over 18, then you'll be eligible to use the 100Pounds.

As long as you've provided us with clear, accurate and up to date information, and you've not previously set up an account with us, then it should be possible to sign-up with 100Pounds. Please contact the team on support@100pounds.co.uk by email, or use the contact us form on the website if you've signed up in the past and need to update your information in line with a change of circumstances.

You need to activate your account after using the one-off service for sign-up at our website, www.100pounds.co.uk. If you have any problems with your activation, contact us by email on support@100pounds.co.uk.

heck if you have a spam filter in place on your email account, as our account activation email may have been viewed as spam by your email client and flagged off to this folder. Check your spam or junk mail folder carefully. If you find an email from 100Pounds here, mark it as safe, so that it delivers correctly to your inbox in the future. If you can't see the message from us in any of your folders, it may be that the email address you gave us wasn't typed correctly during the registration. Use the contact us form in this case to let us know about the error, and we'll be in touch to request the correct details from you, and finish the activation process.

No, it doesn't cost anything to sign up to our website. There are no additional costs or fees to worry about when you register with us. It's important that the bank account that's linked with your debit card, isn't in the red when you apply, so that your account registration can go through and your financial and personal details are validated.

You can only change your card details 3 times. For further information, please contact our support team.

We'll only approve your loan application once we've gone through our registration process as per Consumer Credit Act. If your account shows any message apart from 'approved', then it will mean that we're processing your request, and we'll update you by text and email once it's completed to let you know, and communicate any other issues that may need to be addressed.

On your application we will ask you to fill in your personal, contact, employment and financial details. You are also required to enter your residential, utility, transport and food costs so that we could assess your affordability and make a calculated decision.

In all cases we also need to ask you copies of your bank statements, dating back over the past three months.

You may have already started a registration with us previously. In this case, you can't re-apply using the same details. In this instance, either use the contact form or email us at support@100pounds.co.uk, and we'll update your existing account, with your new details.

We shall advise you by a text message and an email, once your application has been approved.

No, the single sign-up process happens just once. When you need a loan in the future, just login to your online account (and repay your outstanding balance).

Yes, we will let you know by a text message and an email when your loan has been approved.

You can cancel your credit agreement with us within 14 days of application and this is your right. In this instance, please send an email to support@100pounds.co.uk, use the contact form on our website, or write to us at: Sunny Marketing Ltd, 3rd Floor 207 Regent Street London W1B 3HH

Remember that if you do cancel your Credit Agreement once we've made you an advance, you'll still need to repay it.

You can cancel your credit agreement with us within 14 days of application and this is your right. In this instance, please send an email to support@100pounds.co.uk, use the contact form on our website, or write to us at: Sunny Marketing Ltd, 3rd Floor 207 Regent Street London W1B 3HH

Remember that if you do cancel your Credit Agreement once we've made you an advance, you'll still need to repay it, including transfer & credit check fees and interest.

You can arrange a suitable repayment plan online or you can extend your loan one time. Alternatively get in touch with us immediately and we'll try to ascertain the best solution for you. Don't hesitate to get in touch - it's important that we speak with you. We'll work with each customer on an individual basis, and depending on individual circumstances we'll look to reduce your payments, extend the repayment period or find another mutually agreeable solution. If the stress of your debt is proving to be too much, seek advice and counselling from reputable independent sources such as the Citizens Advice Bureau, or the National Debtline. Here are some useful links:

National Debtline
Consumer Credit Counselling Service
Community Legal Advice

Your loan repayment must be made entirely from the debit card that you registered when you signed up to 100Pounds.

You are able to make an immediate payment by logging into your 100pounds.co.uk account and paying through CPA or emailing our team at support@100pounds.co.uk.

If your payment is missed or late for any reason - this will put your Loan Agreement in early delinquency status and a daily interest of 0,8% per day will be added to your account. If you still haven't made a payment after extended period of time then your loan account will be in default and you will be charged a late fee of £15.

For this reason, we make it very clear that no one should apply for a 100Pounds loan if they aren't confident that they'll be able to make the repayment in time. Please don't apply for a 100Pounds loan if you have any doubts that you are unable to repay.

We won't stop you from having further loans from 100Pounds if you've been late with your repayment on a single occasion. But if you leave your loan unpaid for an extended time period, then we involve a debt collection agency and this will damage your credit history - affecting your ability to take out further credit at any time. For this reason, it's very important to be sure that you can repay your loan before you borrow.

We don't penalise our customers for repaying their loans before the agreed repayment date. You can use the contact form on our website if you want to make an earlier payment, and we'll use your debit card to take money from your bank account.

Public holidays, bank holidays and weekends don not influence or change your repayment date.

Yes, when we've collected your payment, we'll send you a text message to your registered mobile phone number, and we'll also send you an email to let you know.

Several things may have happened. We may have tried to collect your payment, but had our payment request denied by your bank. This may be because you don't have the available funds in your bank account, so it's important to make sure you have enough cash to meet the repayments. Sometimes this issue may occur also if you've recently changed your debit card details and not told us. In this case, please email the team on support@100pounds.co.uk as quickly as possible so we can update your details. We can only accept payments from the debit card that you've registered on your account.

You can use your registered debit card to repay your loan or visit your local branch to transfer the funds.

Mon-Fri 9am - 6pm

Write to us at: Sunny Marketing Ltd t/a 100Pounds.co.uk, 3rd Floor, 207 Regent Street, London, W1B 3HH

Email the team at support@100pounds.co.uk for a rapid response.

We use the Faster Payments Service for transferring money. It's safe, secure and rapid.

Yes, we will always ensure that your personal information and account details are protected. We provide information on how your details are used on our Privacy Policy page, so it's worth reading if you have any concerns or questions.

If you don't repay your 100Pounds loan, then this may affect your credit history.

If you believe we've not handled your complaint fairly, you can have it reviewed by the Financial Ombudsman Service, and this is your consumer right.

Contact:
The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR

The fastest way to resolve any concerns is to e-mail support@skyquid.co.uk . We'll answer your concerns at first opportunity and try to solve the problem.

If we cannot resolve these matters quickly enough, we will send you a letter of acknowledgement within five working days to confirm that we are investigating the matters. Obviously, we always want to solve any problems you raise with us internally. However, if you are not happy with our final response, or if eight weeks have passed since you first raised the matter with us, you have the right to refer your case to the Financial Ombudsman Service. You can: write to: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR,

telephone: 0845 080 1800

e-mail: : complaint.info@financial-ombudsman.org.uk, or

log on to: www.financial-ombudsman.org.uk

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