A payday loan is designed to tide you over until payday and should never be considered for long-term borrowing. If you cannot afford to repay the amount in full once you get paid, or will leave yourself short at the end of the next month – payday loans are not for you as they can be extremely expensive.
Company Number is 6537710 and Consumer Credit License Number is 615977.
MicroLend.co.uk is a trading style of Micro Lend UK LTD | Copyright © 2013 MicroLend.co.uk
Information about us
www.microlend.co.uk is a site operated by Micro Lend UK Limited ("We" or “Us”)). We are a limited company registered in England and Wales under company number 6537710 and have our registered office at PO Box 48563, London NW4 9BA. Our main trading address is PO Box 48563, London NW4 9BA.
We are regulated by The Office of Fair Trading.
We are authorised and licensed to enter into consumer credit loan agreements have a Consumer Credit Licence (Consumer Credit License Number: 615977).
ACCESSING OUR SITE
Access to our Site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our Site without notice (see below). We will not be liable if for any reason our Site is unavailable at any time or for any period.
From time to time, we may restrict access to some parts of our Site, or our entire Site, to users who have registered with us.
When using our Site, you must comply with the provisions of our acceptable use policy.
You are responsible for making all arrangements necessary for you to have access to our Site. You are also responsible for ensuring that all persons who access our Site through your internet connection are aware of these terms, and that they comply with them.
Intellectual property rights
We are the owner or the licensee of all intellectual property rights in our Site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
You may print off one copy, and may download extracts, of any page(s) from our Site for your personal reference and you may draw the attention of others within your organisation to material posted on our Site.
You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
Our status (and that of any identified contributors) as the authors of material on our Site must always be acknowledged.
You must not use any part of the materials on our Site for commercial purposes without obtaining a licence to do so from us or our licensor's.
Reliance on information posted
Commentary and other materials posted on our Site are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our Site, or by anyone who may be informed of any of its contents.
Our site changes regularly
We aim to review our Site regularly, and may change the content at any time. If the need arises, we may suspend access to our Site, or close it indefinitely. Any of the material on our Site may be out of date at any given time, and we are under no obligation to update such material.
The material displayed on our Site is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude:
This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.
Information about you and your visits to our site
Transactions concluded through our site
Contracts for the supply of financial services formed through our Site or as a result of visits made by you are governed by our terms and conditions.
You agree to provide us with all relevant proof of identification that we reasonably request, including proof of identity and proof of nominated bank current account and associated debit card.
We charge fees as follows:-
Card authorisation fee: we charge a card authorisation fee of £0.50 at the time of approval.
Account verification fee: £0.01 (one pence) may be deducted from your nominated bank account on the day preceding the date of repayment of the loan. We process a nominal transaction to enable us to confirm that your bank account remains active.
Same-day transfer fee: we charge a supplementary fee of £15 should you expressly ask us to transfer the funds advanced by us to you by way of same-day bank transfer.
Default charges: (i) In the event that your repayment is made after 09.00 am on the due date: £35.00; (ii) for each letter/email/text sent to you regarding your default: £12.00 (up to a maximum of £36.00); and (iii) for each declined debit card or direct debit: £25.00 (up to a maximum of £25.00). These charges, if applied, will be added to the total sum to be repaid under your loan agreement.
DEBT MANAGEMENT PROGRAMMES, INDIVIDUAL VOLUNTARY ARRANGEMENTS & BANKRUPTCY
In the event that you are in a DMP, IVA or are currently bankrupt you may not apply to us for any financial services or products that we offer on our Site.
In the event that you enter into a DMP or IVA, or are made bankrupt, after you enter into an agreement with us, you must notify us immediately.
Viruses, hacking and other offences
You must not misuse our Site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Site, the server on which our Site is stored or any server, computer or database connected to our Site. You must not attack our Site via a denial-of-service attack or a distributed denial-of service attack.
By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Site will cease immediately.
We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our Site or to your downloading of any material posted on it, or on any website linked to it.
Please tick here if you do not want us to use your personal data to contact you by electronic means (e-mail or SMS) with information about goods and services similar to those which were the subject of a previous agreement or previous negotiations with you.
Please tick here if you do not want us to disclose your personal data to selected third parties so that they can provide you with information about their goods or services.
Linking to our site
You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
You must not establish a link from any website that is not owned by you.
Our Site must not be framed on any other site, nor may you create a link to any part of our Site other than the home page. We reserve the right to withdraw linking permission without notice. The website from which you are linking must comply in all respects with the content standards set out in our acceptable use policy.
If you wish to make any use of material on our Site other than that set out above, please address your request to firstname.lastname@example.org.
Links from our site
Where our Site contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.
Jurisdiction and applicable law
If you have any concerns about material which appears on our Site, please contact email@example.com.
Thank you for visiting our Site.