Complaints - we're here to help

We’re sorry to hear you may be unhappy with our service but we understand life can’t always be plain sailing. We’ve put together a few of the more common issues below and hope we may be able to help.

Concerned about the interest on your loan?

The interest on your loan is calculated against your balance each day. This means you only pay interest for the time you've borrowed the money for. So if you decided to pay your loan back within 6 months, you'll only pay 6 months worth of interest.

Each month when you make a payment, this is split between the applied interest and then the principal (the amount you borrowed). Select your loan details, and see below an example of how a payment is broken down each month.

Loading chart...

Select your loan details:

If your payments are not made on the agreed date, this will affect the amount of interest applied in any given month until the total amount of interest has been applied.

We hope we've satisfied your concerns but if we haven't, please click here to let us know so we can put things right. If you don't wish to raise a complaint but you'd like to send us feedback, please email us at [email protected].

Concerned about your responsibility as guarantor?

Being a guarantor means your liability for the loan is equal to the borrower’s. Essentially, there’s a chance you may need to make payments on behalf of the borrower at some stage on the loan, or be responsible for the entire loan if the borrower doesn’t pay.

Just to assure you, we don’t want that to happen. We understand the loan was taken out for the borrower and so we’d always rather solve any issues with them directly.

The only times we may look to you for payment is if we haven’t been able to resolve any arrears with the borrower and the account is at risk of falling further behind. We know it may not seem like it, but it’s in your own best interests to make sure those arrears aren’t able to build. In this situation, we’ll always try to contact you first, but if you have any concerns it’s always worth getting in touch directly.

We hope we've satisfied your concerns but if we haven't, please click here to let us know so we can put things right. If you don't wish to raise a complaint but you'd like to send us feedback, please email us at [email protected].

Unhappy your application has been declined?

It can be frustrating having an application declined, but we need to make sure we’re doing the right thing by you. If we can’t be certain that the loan is in your best interests, it wouldn’t be suitable to go ahead. This could save you (and your guarantor) all sorts of trouble further down the line.

One of the main reasons we may need to decline an application is due to affordability. If we can’t be sure the loan payments are affordable alongside your priority bills, it wouldn’t be right to expect you to pay them. The same goes for your guarantor, just in case they ever need to step in on your behalf.

We also need to be able to communicate clearly with you to make sure that you’re happy with the loan. The last thing we want is for you or your guarantor to get back in touch in six months time because there’s something you hadn’t been aware of.

We hope we've satisfied your concerns but if we haven't, please click here to let us know so we can put things right. If you don't wish to raise a complaint but you'd like to send us feedback, please email us at [email protected].

How long until I get an answer to my complaint?

Once you have told us about your complaint by calling us on 01202 629161 (9am - 7pm Mon-Thur; 9am - 6pm Fr; 9am - 1pm Sat), we'll try where possible, to resolve your complaint within 3 business days. If we need more time to investigate, it may take longer, but we will keep you updated about our progress and let you know if we need any further information from you.

We will issue a final written response within 8 weeks of your complaint being raised, though hopefully sooner. To receive an update, you can call us on 01202 629161 (9am-7pm Mon-Thurs; 9am-6pm Fri; 9am-1pm Sat), email [email protected] or write to us:

Amigo Complaints Department, 118-128 Commercial Road, Bournemouth BH2 5LT

Alternatively, you can visit our complaints section here.

Please bear in mind that if a policy of ours is in question, we might not be able to change things. However, we’ll explain the reasoning behind our conclusion and provide a final written response.

If you are unhappy with our final response or your complaint has not been resolved within 8 weeks, you can ask the Financial Ombudsman Service for an independent review. Please be advised that they will only assist if you have tried resolving your complaint with us first.

Believe that we have taken a payment incorrectly?

We never want to catch you out or surprise you, and so we’ll never take a payment unless you’ve given us permission. Whether a payment has become due on your loan or the account is in arrears, the important thing to remember is that we’ll only take a payment if the account needs to be brought up to date.

We may also take a payment if you’ve been in touch to arrange repaying your loan early, but only if you specifically request this (so this shouldn’t come as a surprise!).

You can view your T&Cs here for further information about when a payment can be taken (under the ‘card payment authority’), as well as some information on our card verification checks. If you still don’t think a payment has been made correctly, it may be worth giving us a quick call so we can look into what’s happened.

We hope we've satisfied your concerns but if we haven't, please click here to let us know so we can put things right. If you don't wish to raise a complaint but you'd like to send us feedback, please email us at [email protected].

Unhappy with our contact?

We’re all about transparency. When we paid out your loan, we made a promise to keep you updated. This could be anything from updates about your Direct Debit, any arrears, or notifying you about data protection - we want to make sure you have all the information you need, when you need it.

One of the ways we do this is by sending automated messages. These aren’t sent by anyone in particular but are sent automatically when there’s an update on your account.

While we like to think this system is quite clever, it can’t always see if you’ve already messaged us. Don’t worry - we’re not ignoring you. Someone will get back to you shortly. This can take up to three days but we’ll try to reply sooner if we can. If you need to discuss anything urgently, we’d suggest giving us a call directly.

Though we do recommend you continue to receive these automated messages, we also don’t want to do anything you’re unhappy with. If you’d rather we stop the messages we send you, just let us know (we won’t be offended, we promise). Just bear in mind we need to continue sending certain messages and letters as a legal and regulatory requirement.

We hope we've satisfied your concerns but if we haven't, please click here to let us know so we can put things right. If you don't wish to raise a complaint but you'd like to send us feedback, please email us at [email protected].

Unhappy that we can’t reduce your payments or offer flexibility?

Not everything goes to plan - we understand that. We want to help you manage your account in a way that’s reasonable and affordable while you get things back on track. We just need to consider a couple of things.

When we offer flexibility with our payments, we need to make sure this is also right for your guarantor. If there’s a risk the account could fall two payments behind, and you experience any issues, your guarantor could end up having to make these payments for you. If we ask your guarantor to step in before this can happen, this means they just need to pay less to bring the account up to date.

It’s important you’re also paying as much as you can afford. We know an account can become more difficult to manage if any arrears are able to build. That’s the last thing we want for you and so we’d expect you to maintain your payments if you can. This means your loan not only remains up to date (and hassle-free!) but also prevents the loan term from extending unnecessarily.

Just to add, we never want to leave you short for your priority bills. If we can’t be confident you can afford any payments at all, it wouldn’t be fair to set a payment arrangement with you. This may seem unreasonable at the time but any payments could end up causing you further issues down the line.

We hope we've satisfied your concerns but if we haven't, please click here to let us know so we can put things right. If you don't wish to raise a complaint but you'd like to send us feedback, please email us at [email protected].

Concerned that we have lent to you irresponsibly?

We like to offer second chances. We give people who may not have the best credit history the opportunity to build their credit and take out finance. At the same time, we’d never want to put anyone under financial strain. 

When we received your application, we went through your income and outgoings to confirm the loan was right for you. This included a check of your credit file to make sure we weren’t missing any old loans, credit cards, or other commitments. Though we don’t judge based on credit score, we do need to take your credit history into account when considering affordability.

Not that we had any reason to believe your figures weren’t correct, but we also completed further checks against your information. This was just to make sure everything was accurate and realistic.

A loan is a commitment that could last for a number of years, so we don’t rush into any decision. If we weren’t sure we were doing the right thing, we wouldn’t have gone ahead.

We hope we've satisfied your concerns but if we haven't, please click here to let us know so we can put things right. If you don't wish to raise a complaint but you'd like to send us feedback, please email us at [email protected].

Something else?

Amigo is run by humans, and sometimes humans can make mistakes. However, we are here to help and always want to hear your concerns. If you want to raise anything with us or discuss any issues that we haven’t addressed in our complaints section, then please do not hesitate to get in contact to give us the opportunity to resolve this for you. You can contact us on 01202 629161 and our agents will be happy to help you.