Once you have repaid your loan you may at any time re-apply for a loan. You can do this by logging in to your account online and clicking "Apply for a new loan". Follow the on-screen instructions to complete the application.

If you use the service responsibly we may give you the flexibility to apply for more cash in the future, should you need it, up to a maximum of £800. We will take into account your history with us and also your details and information we gather about your circumstances in making a decision to lend you a larger amount. We want to make sure you can comfortably repay any amounts we lend to you.

Visit the homepage and click on the "My Account" tab at the top of the page. Your username is the email you used when you applied with us originally. There is a facility to reset your password if you can't remember it.

Note: Only customers that have received a loan from us have an online account. New customers will not be able to login.

Your username is the email you used when you applied with us originally. There is a facility to reset your password if you can't remember it.

Note: You will have to have received funds from us in order to have an online account. New customers will not be able to login.

In order to change your bank details you will need to call us as you can only update your debit card details online in your account.

Tel: 0871 423 8247 (Calls to this number are charged at 10p per minute from BT landlines; mobiles and other providers may vary.)

If you have received a message that your online account has been locked, please email us at customer.services@247moneybox.com.

Security is of the utmost importance to us here at 247Moneybox.com and we want to make sure that you are the only person accessing your account. If you have received a message that your online account has been locked, please email us at customer.services@247moneybox.com.

If you are a returning customer and wish to change your email address you will need to call us.

Tel: 0871 423 8247 (Calls to this number are charged at 10p per minute from BT landlines; mobiles and other providers may vary.)

Make sure to check the Junk folder of your inbox. If you still haven't received an email you will need to call us:

Tel: 0871 423 8247 (Calls to this number are charged at 10p per minute from BT landlines; mobiles and other providers may vary.)

Your loan is paid directly into your bank account and is then available for you to withdraw at your convenience.

We are committed to responsible lending. You can request between £80 and £200 the first time you apply for a loan. If you use the service responsibly we may give you the flexibility to apply for more cash in the future, should you need it, up to a maximum of £800.

It takes about 5 minutes to complete the application form - all online.

No , applications need to be submitted online.

We lend responsibly and this means that all prior loans have to be repaid before another can be offered, in order to ensure you can easily repay what you borrow.

We assess every application on an individual basis and use a variety of information to help us reach a responsible lending decision. Repayment of a previous loan does not guarantee you will be able to borrow again or receive a larger loan.

We review all accounts periodically and so if we decline your application it may not necessarily mean we can't help you in the future.

Our customer service agents are not able to see information regarding lending decisions.

We want to ensure that you can afford to repay our loans comfortably and so we take into account a number of factors when deciding if and how much to lend. It does not necessarily follow that successful repayment of a previous loan will increase the amount you can borrow in the future.

Our customer service agents are not able to see information regarding lending decisions including the loan amount offered.

If you have received an email or SMS to complete your application it means we have been passed your details by a third party who told us you are looking for a short-term loan.

Simply click the link and follow the instructions to finish your application by inputting your debit card details. If you have any problems get in contact with us.

Please type your address carefully, ensuring that only the house name or number appears in the first box. If you are unsure as to how to format your address correctly, you should check using the Royal Mail address finder service here.

You may be facing issues with card validation for one or both of the following reasons:

• You need to have some cash in your account (this can be as little as £1).

• Your card may not be registered to the address given on your application. This may be because it is registered to an alternative or previous address, or simply due to the format you have used to input the address.

If neither of the above apply call your bank to see if there is an issue with your card – perhaps it's a new card and hasn't been activated? Or perhaps you have changed address and the bank hasn't updated their records?

Your pay dates are checked for accuracy against our database as we hold the pay date frequencies of many companies. Check that the pay dates you have entered match the 'Frequency of Wage' you have selected.

You do not need to adjust your pay dates for weekends or public holidays as the system will account for these. If you have selected 'Specific Date' as your payment frequency, please make sure that the day of the month is the same in the next and following pay dates you enter.

An account is only created when an application has been approved and the funds have been sent. Once you have received your loan you can login at any time by clicking the "My Account" tab at the top of the homepage. Your username is your email address. There is a facility to reset your password if you can't remember it.

We assess every application on an individual basis and never guarantee acceptance.

As part of our checks we may place a very discreet call to your employer to check your employment. We never disclose the purpose of our call and only ask to speak to you. Our identity when calling is 247. Confidentiality is of the utmost importance to us. Please ensure you have provided valid and correct work contact details. If you need to update these please email: customer.services@247moneybox.com.

Sometimes it is necessary to amend your loan agreement during the processing stage and as such it is important that you read and sign off on the new details. This can occur, for example, if your pay dates are found to be different and we need to change the repayment date of your loan.

To re-sign your loan agreement, either click the link in the email or SMS we sent you. If you have any problems get in contact with us.

If we are unable to approve your loan application we may be able to find a third-party lender who can help. These lenders may undertake credit reference/fraud prevention agency data searches against you to make lending decisions and for the prevention of fraud and money laundering.

247Moneybox.com are fully licensed to provide short-term loans, giving you peace of mind that you are dealing with a reputable company.

• We hold a Consumer Credit Licence with the Office of Fair Trading in accordance with The Consumer Credit Act 1974: 622332

• Registered with the Information Commissioner in accordance with The Data Protection Act: Z9339538

• Registered with Companies House in England and Wales: 05671281

• Our registered company address: 145-157 St. John Street, London EC1V 4PY

• Member of the BCCA: 4566

Our privacy policy can be found here.

If you wish to opt out of receiving further informational emails from us please email unsubscribe@247Moneybox.com.

Customer satisfaction is of utmost importance to 247Moneybox.com. Please do not hesitate to contact us if you aren’t happy with our service.

We hope that it never comes to this, however should you wish to make a formal complaint in writing, please address your letter to:

Customer Services Department
247Moneybox.com
145-157 St. John Street
London
EC1V 4PY

Or email customer.services@247moneybox.com.

Upon receipt of your complaint we will do our best to resolve your complaint by the end of the next business day.

If we can't do this, we will send you a prompt written acknowledgement of your complaint and tell you who is dealing with it.

We will send you our full response within four weeks of receiving your complaint. We will include details of how, if you are dissatisfied with the way we have handled your complaint, you can go to stage 2 of the procedure by referring your complaint to the BCCA, which is our Trade Association and acts on our behalf. Our letter will explain that you will have ultimate recourse to the Financial Ombudsman Service if you remain dissatisfied after stage 2 referral – also that we will regard the complaint as closed if the BCCA does not receive a reply from you within eight weeks of our full response.

The BCCA will investigate your complaint and will provide you with a final response within four weeks of receiving notification of your continuing dissatisfaction.

If you are dissatisfied with the final response from the BCCA, you can ask the Financial Ombudsman Service for an independent review. The BCCA will enclose a leaflet from the Financial Ombudsman Service in their final response letter to assist you if you decide to pursue this further course of action. You should contact the Financial Ombudsman Service within six months of receiving the final response from the BCCA.

The Chief Executive
BCCA
Portal Business Centre
Dallam Court
Dallam Lane
Warrington
WA2 7LT

T: 01925 426 090

The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR
website: www.financial-ombudsman.org.uk
email: complaint.info@financial-ombudsman.org.uk
Tel: 0845 080 1800

Our friendly customer services team is available between 08:30 and 19:00 Monday to Friday and between 10:00 and 15:00 on Saturday.

Mail address:
247Moneybox.com
145-157 St. John Street
London
EC1V 4PY

Tel: 0871 423 8247 (Calls to this number are charged at 10p per minute from BT landlines; mobiles and other providers may vary.)

Email: customer.services@247moneybox.com

Our friendly customer services team is available between 08:30 and 19:00 Monday to Friday and between 10:00 and 15:00 on Saturday.

Once you have accepted the terms and conditions of the loan by clicking the “I Accept” button on your loan agreement, we have a number of checks to make. We consider the information that you have told us in addition to information we gather from external sources such as Credit Reference Agencies. We may also place a very discreet call to your employer in order to verify your employment status.

We have a £20 Fast Transfer Fee to cover the cost of our 1 hour funding system or, if you are happy to wait up to 3 banking days, there is no charge.

There could be a number of reasons why funds haven't been deposited in your account:

Firstly, You may not have selected the Fast Transfer option. We have a £20 Fast Transfer Fee to cover the cost of our 1 hour funding system or, if you are happy to wait up to 3 banking days, there is no charge.

Secondly, as part of our checks we may place a very discreet call to your employer to check your employment. We never disclose the purpose of our call and only ask to speak to you. Our identity when calling is '247'. Confidentiality is of the utmost importance to us. Please ensure you have provided valid and correct work contact details otherwise this can delay the process. if you need to update these please email: customer.services@247moneybox.com.

Convenience is important to you – that's why it's important to us too. Your loan is paid directly into your bank account and is then available for you to withdraw at your convenience.

You have a right to withdraw from the loan agreement within 14 days following the date of the agreement. You can do this by notifying us orally or in writing. If you do withdraw from the agreement, you will be charged interest at the rate set out above from the day we provide you with the loan until the day that you repay (inclusive).

It's simple; the repayment amount is deducted from your debit card automatically on your next payday. Please ensure the required funds are available in your bank account (the one linked to your debit card) in time for the repayment date.

If you haven’t repaid your loan in full on your contractual repayment date we may attempt collection of the outstanding amount so as not to keep your account in default. We expressly inform you that we may do this in clause 11 of the Loan Contract and also notify you by text message before any attempts:

"If we are unsuccessful in collecting any payment from the primary debit card you have registered with us, we may seek payment from any further debit card which you have provided the details of for the purpose of repayment. We may attempt to take payment on multiple occasions on the repayment date and in different denominations until the full amount of the payment due has been collected.

"If we are unable to take the entire amount of the repayment that is owed on the repayment date, we may try again to take the payment after the repayment date. We may make several attempts to take payment and/or in different denominations on these dates. Before we take a payment on a day other than the repayment date, we will notify you by text message that your payment has failed (unless you have requested not to receive such notifications) and that we will continue to seek payment of the amount of the payment or a lesser amount on the date specified."

We attempt to debit your primary debit card in the first instance. if this is unsuccessful we may attempt collection from any other debit cards that you have registered with us so as to avoid your account falling into default. We expressly inform you that we may do this in clause 11 of the Loan Contract:

"If we are unsuccessful in collecting any payment from the primary debit card you have registered with us, we may seek payment from any further debit card which you have provided the details of for the purpose of repayment. We may attempt to take payment on multiple occasions on the repayment date and in different denominations until the full amount of the payment due has been collected.

"If we are unable to take the entire amount of the repayment that is owed on the repayment date, we may try again to take the payment after the repayment date. We may make several attempts to take payment and/or in different denominations on these dates. Before we take a payment on a day other than the repayment date, we will notify you by text message that your payment has failed (unless you have requested not to receive such notifications) and that we will continue to seek payment of the amount of the payment or a lesser amount on the date specified."

If your repayment date is still a few days away then you can update this in your online account and set your new card as the primary card. If the repayment date has arrived and you still do not have your new card, or can't use an alternative, then you need to make a payment directly into 247Moneybox.com's account asap to avoid fees and charges. Our bank details are:

Sort code: 20-36-47

Account no: 03018024

Use your postcode and second name as a reference and then send an email to customer.services@247moneybox.com.

You can update your debit card details by logging in to your online account. Remember all of your details are encrypted over a secure SSL connection.

Bank transfers can take up to 3 working days to show in our account. Once we have received the funds we will process and allocate them to your account as quickly as possible. If your balance has not changed after a further 2 working days please contact us. It may be the case that we require further information to locate your payment.

No, you must repay your loan using a debit card.

It's important that you fully consider whether you can repay a loan comfortably. If you feel repayment might be an issue, please do not consider a 247Moneybox.com loan. If we can't collect payment from your debit card on your repayment day, the following fees will apply:

• Failed collection fee: £20 on day 1

• Interest will continue to accrue on a daily basis

• Up to 5 letters are sent, each charged at £10 (first letter sent is free)

We may also charge you the following fees if you breach your agreement:

• A debt collection agency fee of £45

• Costs and expenses in enforcing or attempting to enforce our rights

• Costs and expenses of tracing you if you move address without telling us

This means that the total cost of your debt will grow and become more expensive to repay.

Continued failure to repay a loan will lead to Credit Reference Agencies being notified and potential legal action being taken, both of which could impair your credit rating and make it difficult or expensive to obtain credit in the future.

If debt becomes a worry there are independent organisations you can ask for advice. Visit www.nationaldebtline.co.uk or www.cccs.co.uk for advice.

Things can go wrong. We know life can sometimes be complicated and that unexpected things can happen. If this is the case, you must let us know as soon as possible and we will do our best to help. We are a friendly bunch, so don’t be apprehensive about calling.

We strongly recommend you pay off as much of your loan as you can. This can be done at any time in your online account or by speaking to our friendly collections team on 020 7183 8078. In addition please see this default information sheet produced by the OFT.

We appreciate that managing your debt is not easy and some turn to third parties to do this for them. It is worth bearing in mind that firms that charge a fee to administer a plan on your behalf reduce the available funds to pay your debts. One solution could be to talk to your creditors directly and arrange a mutually agreeable payment plan with them, saving you money in the long run. Give us a call on 020 7183 8078 – we can help you.

If you want to use a debt management firm, please ask them to send correspondence to customer.services@247moneybox.com with the subject line "Debt Management". Corresponding by post can take longer.

We may ask to see a breakdown of your income and expenditure as well as documentary evidence of your claims. You have 38 days to collect the relevant information once we have been officially told that you are entering a debt management plan.

You will need to get the official administering body to send us the relevant documentation.

Yes, that's why it's very important to keep your side of the agreement to pay back the loan on the correct date. Other lenders use Credit Reference Agencies when they make lending decisions, so defaulting on your loan with us may make it harder or more expensive to obtain credit in the future.

Yes, we use reputable and professional third parties to collect any outstanding debts that are owed to us. However, this is very much a last resort when we haven't been able to agree a repayment plan. If an account is passed over to a third party this fact is recorded on your credit report.

Occasionally we may offer you the ability to settle your overdue loan with a one-off payment. This may be at a discount to your outstanding balance. A settlement offer is a one-off time limited offer - i.e. the offer will expire and may not be offered again.

We usually require full repayment of your loan on your next pay date, however it may be possible to request an extension of your loan to your following pay date. Please bear in mind that a loan from 247Moneybox.com is not suitable for long-term borrowing and extending your loan will always cost you more. If you require a longer-term solution there are other more suitable forms of finance available elsewhere. To extend your loan requires you to make a part loan repayment and pay any interest charged on your loan along with a £10 extension fee on the date your loan is due for repayment. Interest will continue to accrue on your outstanding loan at the same previous rate until your following pay date.

If debt becomes a worry there are independent organisations you can ask for advice. Visit www.nationaldebtline.co.uk or www.cccs.co.uk for advice.

Although it might appeal as a short-term solution, we limit the number of times you can extend your loan for everyone's benefit. We want you to be able to manage your debt comfortably.

Please bear in mind that a loan from 247Moneybox.com is not suitable for long-term borrowing and extending your loan will always cost you more. If you require a longer-term solution there are other more suitable forms of finance available elsewhere. To extend your loan requires you to make a part loan repayment and pay any interest charged on your loan along with a £10 extension fee on the date your loan is due for repayment. Interest will continue to accrue on your outstanding loan at the same previous rate until your following pay date.

If debt becomes a worry there are independent organisations you can ask for advice. Visit www.nationaldebtline.co.uk or www.cccs.co.uk for advice.

You can only apply for an extension before the contractual repayment date in your loan agreement.

Yes, you can repay your loan at any time by logging in to your online account.

Yes, you can make part payments towards your loan at any time by logging in to your online account.