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No loan agreement provided for uncle buck Pay day Loan

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My son took out a £400 pay day loan on 22 June 2019.

His intention, as he has started a new job and moved from weekly to monthly pay, is to pay the whole loan off when he gets paid at end of July.


He has accessed his account on the pay day (uncle buck) website, to see how much he will have to repay 

which, provides very little information other than the monthly repayments and total interest to be charged and found that the payments are not what was agreed. 

The loan offered was repayments of £144 per month but the loan breakdown says the payment is £168 per month.


So, I advised him to check the loan agreement. 

He has only received 2 (2nd email is customer survey) emails from the lender.

The first confirms the loan amount has been approved and paid to his bank,

there is no loan agreement attached and


having searched his computer he downloaded nothing at the time and says that all he received was a text message saying your loan has been approved and asking him to call the loan company which, he did. they asked him about his outgoings and reason for the loan


he then received the email.

No info about interest being charged or repayment amounts.

He made the application online which is when he was given the repayment amount of £144.


The email says


'This agreement is identical in terms to the unexecuted agreement, a copy of which has already been provided to you.

You have the right to request a copy of the executed agreement before the end of the period of 14 days beginning with the day after 22/06/2019'.


He hasn't been provided with any loan agreement.


Is this a properly executed loan agreement under the Consumer Credit Act? 

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