We’ll constantly attempt to provide a good explanation or description whenever that loan is declined. As being an accountable loan provider, even though you’ve had that loan we run full credit and affordability checks on every application, so there is no guaranteed acceptance with us before.

A few of the reasons that are common being declined for the PiggyBank loan are:

• A loan is had by you available with us presently. You shall need certainly to repay this before you take away another loan.
• You might have changed target, banks or perhaps a debit card recently, that has maybe not been updated on the credit history. This could easily use up to six days, nonetheless it might be well worth checking asiandate your credit report.
• Wrong informative data on your credit history. Review the information here to see if you can find any errors.
• You might perhaps perhaps not pay the quantity required, or desired to spend it back over repayments that are too few. Decide to try distributing the repayments over a longer time, or obtaining a lot less.
• We couldn’t validate your debit card details. Make certain they were place in accurately, and also you didn’t invest an expired card.
• You may have already been flagged by our Fraud Prevention solution. When you yourself have been a target of fraud, make sure this really is mirrored in your credit report.

PiggyBank really are a lender that is direct perhaps maybe maybe not an agent, and then we don’t charge any charges for trying to get that loan with us. A fee is charged by some brokers, therefore it’s crucial to test this before you apply for any variety of credit.

You should be able to reapply within 14 days if you are declined for a PiggyBank loan.

Why Has My PiggyBank Account Been Deleted?

It is our business policy that people remove customer data for anybody who hasn’t completed that loan application within 6 days of creating a merchant account, and, have not opted in to get marketing and sales communications. Similarly, you still haven’t completed a loan application or logged into your account within the past 6 weeks, we will therefore remove your data from our systems if you decide to unsubscribe from the marketing preferences (opt out) and.

Login Issues

Can I Change My PiggyBank Username?

Yes, it is possible to replace your username whenever you want. Merely log into the PiggyBank account, choose ‘change username’ through the ‘manage my details’ dropdown, and proceed with the onscreen guidelines.

let’s say i cannot enter into My PiggyBank Account?

in the event that you can’t keep in mind your password, you can easily go right to the login web page and then click the ‘I’ve forgotten my password’ switch. You’ll then get a message with directions for resetting your password.

That we can help if you’re seeing an error message, or are having any other problems logging in, please send us a message so.

Just How Do I Alter My Account Password?

If you can easily keep in mind your present password, but want to change it out, can be done therefore whenever you want. Just login to your account that is online ‘manage my details’ and then pick the ‘change password option’.

If you are struggling to remember your password, and can’t log in, merely go directly to the login web web page and then click on ‘I’ve forgotten my password’. A message will be delivered to you with guidelines to assist you reset your password.

Account Details

How Do I alter My personal stats On My Account?

it is possible to alter many details by signing to your online account and picking the ‘manage my details’ option.

There are specific details that you’re not in a position to change for safety reasons. These generally include things such as your title and date of delivery. That we can look into this for you if you need to change anything that you’re not able to edit, please send us a message so.

How do you Change My Bank Details?

For those who have a unique banking account and need certainly to alter these records, simply login to your on line account, pick ‘manage my details’ and then pick ‘payment details’.

In the event that you’ve received a fresh debit card, you ought ton’t want to improve your bank details since these should stay equivalent. To delete your bank details, please get in contact.

Just how do I alter My Debit Card Details?

Once you’ve logged into the account, you could add brand new card details by clicking on the ‘payment details’ option through the ‘manage my details’ dropdown. This brand new card will be most of your card – we’ll collect your agreed repayment out of this debit card.

When your repayment does come through, n’t we might make an effort to gather it from your own additional card. There is additional information about it in your PiggyBank loan agreement.

Will You Contact Could Work to verify My Employer?

No we won’t – though we might request a bank declaration or payslip, to verify your wages. We’d only ever contact you at the office should your account dropped into arrears, and now we couldn’t reach you just about any means.

Credit Score

Can I Get a PiggyBank Loan With Bad Credit?

We can’t guarantee that you’ll be entitled to financing we do understand that no-one’s credit history is perfect if you’ve got bad credit, but. We have a look at every application independently, and won’t simply make use of your credit report to make a loan choice.

We’ll also check your expenditure and income, plus your work information. Your more credit that is recent may well be more appropriate than things that occurred many years ago – you won’t be penalised for the belated re payment 5 years ago, for example.

The easy response is that in the event that you can’t manage to result in the repayments, we won’t provide for you. As a accountable loan provider, it is also essential to see that we may not be able to approve your PiggyBank loan if you’re currently on a debt management plan, have more than one CCJ or have been declared bankrupt in the last year.

Loan Repayment

Can I pay off My PiggyBank Loan Early?

Yes you can! Unlike some loan providers, we won’t ask you for a penalty charge or cost for settling your loan early. You’ll save your self money if you pay off early, as interest is used day-to-day – you’ll pay that is only interest while your loan is open.

You can do so at any time by logging into your online account and going to your ‘my account’ area if you want to make an early repayment.

How do you Cancel My Loan?

you are able to cancel or improve your brain in regards to the loan through to the point for which you signal the mortgage contract. When you’ve finalized this, the cash might be on its solution to your money, therefore you’d need certainly to repay the mortgage back complete to cancel it, including any interest that is relevant.

You can easily withdraw through the contract within fourteen days of signing it, however you must spend right straight back the amount that is full interest if the cash has now reached your bank account.

How do you Cancel My Account?

To repay your loan in complete, just sign into the online account, select ‘manage my cash’ and then ‘make a payment’. You’d then need certainly to go through the ‘pay now’ key and proceed with the onscreen guidelines.

As soon as your loan is paid down, your account will always be available, simply by having a stability of zero. This means if you’d like our aid in the long term, you are able to log back thereby applying for an innovative new loan. It is possible to request us to position a block on the account to get rid of you reapplying should you desire.

Financial Difficulty

What Happens we understand that sometimes things happen outside of your control, and you may not be able to make the agreed repayment if I can’t Pay?

At PiggyBank. We could always assist you to, therefore write to us, and we’ll use one to get the solution that is best for your needs. Just get in contact as soon as possible, and we’ll be thrilled to talk about your alternatives.

It’s important to notice which should your account autumn behind, this can adversely influence your credit history. Falling into arrears also can ensure it is more challenging to obtain further credit. For this reason we ask as you can if you think you can’t make the agreed payment that you get in touch as soon.

Haven’t discovered the solution you’re searching for? Send us an email!