Responsible Lending
We only want to lend to people who can afford to pay us back, this is why we encourage you to assess your situation before thinking of getting a loan from any lender.
We base our lending decisions using a number of different methods including publically available data and internal underwriting processes to enable us to make the best possible lending decisions based on your circumstances at the point of application. This may include evidence of your income and financial commitments such as mortgage, rent, other loans and day to day living expenses.
We offer flexibility to rollover your loan which is fairer then letting your account default and adding unjustified charges. Please however remember these are short term loans meant to be paid back on your next payday. Please try to not enter into any financial commitment if you are unsure you will be able to meet the agreed repayments.
We do recognise personal circumstances can change, with all our new and existing customers we base lending decisions on a fresh review of your circumstances and credit worthiness. We do reserve the right to decline future applications even if you are an existing client and have paid previous loans on time.
You will be treated respectfully and fairly and we will always make it clear about the serious nature of credit and explain the consequences of late payment and non payment. We would always advise you to make contact with us should you experience difficulties and are unable to meet your agreed repayment date.
All we ask of our customers is that you are committed to borrowing responsibly. When applying for any form of credit it is not a decision to be taken lightly. Only you can decide whether to apply for a loan or not, so please only apply if you are confident and believe you'll have the funds to comfortably make repayment on your chosen date.
PMPDL is a member of the Consumer Credit Trade Association and we abide by its Code of Practice. Should any customer make a complaint to us about our service, we will endeavour to resolve it within 48 hours, If any of our customers is unsatisfied after making a complaint, they can contact the CCTA who are there as a third party to try and help to resolve the situation.
We recommend you to visit the following links for further information:
Consumer Credit Counselling Service www.cccs.co.uk
Consumer Direct. Free Consumer Advise www.consumerdirect.gov.uk
National Debt Line. Free Debt Advise. www.nationaldebtline.co.uk