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I had a payday loan from Kabayan Finance since 2012 but the record that they gave me was only from 2014 and I cannot access anymore my bank statement year 2012 and 2013.


I keep renewing it right after I paid them

I did complain to them but they said that the loan that was granted was affordable and they had done the checks and submitted my bank statement.


My bank statement was always overdrawn and I know the bank statement was only to confirm if my wages comes in this bank on the said date so they can deduct it.


Please I need some advise and if I want to take my complain to the ombudsman.



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well from one bank statement, they would not be able to adjudge affordability , however their main source of info would have been your credit file at the time.


if that was littered with other loans, late payments and defaults, then it would strengthen your IRL? claim





please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Completely Legit I see...










From a company that has a mobile number for a contact number on their website... 

Aside of my rant - How much was for the loan for? 

How much do you have to pay back?

Did it rollover? 


We could do with some help from you.


Have we helped you ...?         Please Donate button to the Consumer Action Group



Receptaculum Ignis


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SUMMARY OF YOUR PREVIOUS LOANS WITH KABAYAN FINANCE Loan # Loan ID  Principal  Interest Term  Date Taken  Date Repaid  Remarks  
1 190319 £700.00 £350.00 6 08/08/2014 06/02/2015   
2 191987 £400.00 £200.00 6 07/02/2015 26/08/2015   
3 195080 £700.00 £350.00 6 02/09/2015 26/02/2016   
4 197052 £800.00 £400.00 6 27/02/2016 26/08/2016   
5 198835 £500.00 £175.00 3 27/08/2016 28/11/2016   
6 199862 £800.00 £400.00 6 29/11/2016 15/06/2017   
7 201375 £800.00 £400.00 6 06/07/2017 15/01/2018   
8 205004 £1,000.00 £38.36 6 29/01/2018 12/02/2018 Withdrawn 
Significant Break in Lending 
9 208217 £1,000.00 £500.00 6 24/07/2018 07/01/2019   
Significant Break in Lending 
10 217286 £1,000.00 £500.00 6 29/08/2019 12/02/2020   
11 220762 £700.00 £350.00 6 19/02/2020 07/09/2020    


They did not include when i started taking loan from them from 2012

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