Warning: Late repayment can cause serious money problems. For help, visit moneyadviceservice.org.uk
Warning: Late repayment can cause serious money problems. For help, visit moneyadviceservice.org.uk

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Complaints Handling Procedure

We strive to provide an unrivalled, outstanding, simple and first class standard of service to those seeking financial help. Our customers are at the heart of everything we do and we pride ourselves on providing the highest level of service, but we understand that sometimes this level of service could slip. So if there is something that you are not happy with then let us know.

Our complaints procedure is as follows:
Please send us your details, a description of your complaint and how you think we can resolve it, and any other relevant information.

In writing to:

The Compliance Manager
Ocean Capital Credit Limited
Unit 9 Lawnhurst Trading Estate
Ashurst Drive

By Email – contactus@oceancapital.co.uk

Our Complaints Procedure
We will acknowledge your complaint promptly and our compliance team will do our best to resolve your complaint as quickly as possible.

The complexity of the complaint will contribute to the duration of time taken to carry out a full investigation to resolve your issue. We will send you our final response no later than 14 working days from when you first complained.

If you’re unhappy with the progress of your complaint or not happy with our final response, at this point, you can refer it to the Financial Ombudsman Service.

The Financial Ombudsman Service will only deal with your complaint if you have given us the opportunity to put matters right, so please contact us first and we will do all we can to help you.

Financial Ombudsman Service, Exchange Tower, London, E14 9SR, Telephone 0845 080 1800. We will provide you with a copy of the Financial Ombudsman Service leaflet; ‘your complaint and the ombudsman’. For more information please refer to www.financial-ombudsman.org.uk

Why Choose Lucky Loans?

Welcome to Lucky Loans, our online payday loans service helps thousands of people every week find additional finances to guide them through financial difficulties. We pride ourselves on being a transparent company, we will always show you your loan terms and conditions and full costs before you accept your loan offer. We are passionate about ensuring our customers have full control over their payday loan by providing a simple, affordable and reliable financial service. Receive your instant online decision when you apply.

  • 5 Minute Application Form
  • 15 Minute Cash Transfers**
  • Instant Online Approvals
  • We Do Not Charge Any Fees
  • Flexible Repayment Terms
  • Lowest Possible APR and Interest Rates*
  • Safe and Secure
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