Terrible misleading company that make out they will accept you on pre check only to make you damage your credit score stay away a lot better companies out there
Review by Deiw1 year ago
I would give them a zero star rating but 1 star is the lowest. they don't deserve 1 star.
nightmare company. they put a default on my account after months of me trying to contact them to arrange payment and getting no respnse. I even looked up the names of directors and found one of them on linked in who doesn't work there anymore. I emailed him and he emailed the main director direct for me. I opened a complaint with the financial ombudsman who also did not get any response from them. when I did finally get a response and settle my account with them they agreed to remove the default on my credit file as the ombudsman were telling them it shouldn't be on there. 6 months later and I'm recieving emails from them asking me to change my card details as they can't take a payment! this company should be shutdown they are nothing but a bunch of thieving scam artists.
Review by Mekelah1 year ago
Received this email from them after I made a complaint about irresponsible lending. No company should be allowed to trade with this customer experience.
At this moment we do not have enough manpower to deal with complaints from defaulted borrowers. It's people like you who are ruining our business when not paying back they're due but complaining about everything, starting from weather and finishing with complains about irresponsible lending. Something a 6 year old would say if you ask my personal opinion.
If you have any further questions, comments or concerns, please email to
Credio | Cashbridge Corporation Ltd
372 Old Street, Suite 167, London, EC1V 9LT, UK
Stay clear of this company - I am not sure who is handling their email queue but my goodness this is surely not allowed
Review by EvanOK1 year ago
i was with this company. unfortunately fell on bad times and had to get a debt relief order, which has now been completed, yet i still get emails harrassing me and recieved one today saying they was getting a ccj on me!! sorry credio but this matter has already been sorted in court. now delete my contact details stop harrassing me with emails as our business together is now over and my debt to you is written off! i have sent you many emails explaining this but you choose to ignore them.
Review by Fredlina1 year ago
Lots of reviews here say no contact, having not contacted them - they wont leave me alone! SEVERAL Spam texts a DAY from different numbers so i can't block them!!
Review by Appreciate2 years ago
Very poor customer service. Initially when I first took out a loan with them they were very good. But when I took a complaint out against them for irresponsible lending they have been very lacklustre.
I now have an FOS decision for them to refund me and yet they are ignoring that and refuse to e-mail me back now! You cant ring them as number just goes to some message.
They did ring me when the FOS decision had been made to say did I fancy paying back the interest of last loan. I had to say to them that FOS had awarded me refund of interest for numerous loans so you owe me...... That was from a mobile number of 07889 449045
Review by Zhanine Crosado2 years ago
AVOID!! Apply for loan and don't hear back and same week bank account is defrauded! Company accounts also make an interesting read! Reported to fraud department at bank and police 👍
Review by Phongpei2 years ago
Applied 10 days ago.Emailed and advised running behind with applications but nothing since.Appauling service and would never recommend to anyone.Whoever runs this outfit should relook at the way they handle their business.Thankfully i was helped elsewhere within 5 hours!!!
Review by Keonte2 years ago
I can't say a bad word about Credio. I had a loan with them a while back and I ran into financial trouble. I contacted them to explain my situation and I've never known such a helpful and understanding loan company! I'm sorry that some of the other reviewers have had bad experiences but I can't recommend them enough. Yes there is no phone number to contact them on and you have to email them but they are prompt and polite in every one. Brilliant loan company in every way.
Review by MichaelPinnock2 years ago
Scam artistes, STAY AWAY!! AND DON'T GIVE AWAY YOUR BANK DETAILS TO THEM!!
Review by Anntonnette Genberg2 years ago
Don't touch them the whole application process is a joke tries so many time to enter card details to just keep getting no where how the he'll do they have any customers cowboys and really really not worth the aggro
Review by BParker Derrow2 years ago
I took out a loan well over 18 months ago! I then entered into a debt management Plan. Credio accepted some payments then started to return them. I spent months calling and emailing asking why. But as other state you never get a response and the phone only goes to a voice message service. Over a year later I started to get emails stating there taking out a CCJ because they have had no payment in the last 14 days. (Tho it's been well over a year since they last accepted a payment from stepchange) Yet they are the ones who returned it! I have no way of contacting them and they never get back to me. So I'm worried and in limbo over these emails.
Update! They emailed me yesterday! About this review, nothing to do with my issues! Just wanted a loan ID to provide proof I've used them! Deal with my complaints please! Not just trying to hide bad reviews! This is crazy! a bad review and they get in touch within 12hrs! Everthing else they ignore.
Update 2. Sep 2018! Nearly a year later and still nothing! I opened a complaint with the financial ombudsmans service. But you guessed it they haven’t heard anything back at all from credio! They ruled in my favour and ordered a debt write off and compensation. I’m now in the process of taking legal action and will keep you updated.
Update 3. After credio ignore the financial ombudsman services ruling, I brought my complaint to the financial conduct authority who after hearing all of my experiences with this company and how they have just ignored me and the FOS, are now looking closely into my complaint.
Review by Mrsusher DeFord2 years ago
Same as the review below, No contact Well over a year, was on a DM with StepChange, Credio started to send back payments, tried to ring them even email to have no reply, then all of a sudden I receive an email stating that my loan is now over due and in default and they will be pursuing a CCJ against me
Review by Asfak2 years ago
I genuinely believe this company is some sort of scam in order to collect people's bank details. They ignore you for days on end, they do not answer their telephone calls, and have no official complaints process.
One month they lend money the next they don't. The company accounts are also shocking.
This appears to be a clear scam and the company are not operating under FCA rules, and are also not registered as they are suppose to be.
As per every single other review on trust pilot - do not do it to yourself!
(They also break data protection laws in their responses to people's poor reviews - naming people and their application details - disgraceful company).
Review by Yalex2 years ago
Applied, but no response, tried to call but no one is available, emailed may get automated response. Not happy, clearly fraudulent company
Review by Taizia2 years ago
No contact generic responses no working number also asking for internet banking details scam written all over it
Review by Sohhr2 years ago
I applied for a loan. Completed the application, and received an email confirmation. That was it! Nothing else! No follow up email or phone call, and no loan! What has happened to honest payday loan companies? Complete waste of my time, and such a shame
Review by Arijita Winiesdorffer2 years ago
I would like to say i have had many loans with Credio and have never had a problem.
Review by Admiraal2 years ago
Two years ago I had a £100 loan with credio. It was easy to apply for and I paid it back within two weeks. Two months later I took another loan for £140 and paid it back on payday all went well and I would have recommended them to anyone.
Twelve months later I applied again. What a difference -from the first application it was a joke. They wanted all my internet banking details(passwords log in details etc I immediately informed Santander and they warned me to steer clear cos it was probably a scam!! Be warned!!
Review by Kboyens2 years ago
Applied, could not complete application emailed them got a reply " sorry having problems try in 7-10 days "
Not very helpful needed it then, now very glad after reading reviews.
Review by Guruka2 years ago
PEOPLE, EVEN IF YOU ARE THAT F.CKING DESPERATE FOR A LOAN ? GO ELSEWHERE. DO NOT I REPEAT DO NOT TRUST THESE LOW LIFE SCAMMING B.STERDS. ALL THEY WANT IS YOUR DETAILS, NOTHING MORE. THEY DO NOT AND WILL NOT GIVE YOU A LOAN. : )
Review by AGerg2 years ago
I applied on the 14th September 2016 , after 4 days of hearing nothing I emailed them and received this response.
"I understand your concern. Yes we are still in operation and have been doing great. Of course not all that seeks our services will be given the opportunity and on their side, will leave a negative comment since they were rejected. We do respect their view since it is what they experienced however we are still in operation and in fact our customer have tripled in number and this may be the reason why your application is still pending."
I then received an email on the 22nd September 2016 stating
"Thank you for your loan application! You have been provisionally approved for a Credio loan.
We will complete some final checks and let you know with the final decision within couple of hours. However, in some cases it might take up to 24h.
You will receive a text message and an email when your funds have been transferred.
Please note that loans approved after 7:00 pm are deposited to your bank account on the next day.
If you have any further questions, comments or concerns, please email to xxx"
It is now the 28th September 2016 and still nothing... worst company ever. Clearly something isnt right as it does not take two weeks to process a simple payday loan. And communication just seems to be when someone can be bothered or when pressured......
Review by Schorem Thykén2 years ago
Same issues as everyone else. Waiting on approval, I have changed my bank details as getting no reply. I will also be contacting the police as I belive this is an attempt to De fraud people
Review by Blegnar2 years ago
Has taken me since April, a FOS final decision and almost legal action but they FINALLY paid up. After doing an offer where you get £5 back for each payment made via PayPal they made up so many lies about the "computing person being off sick" or "payment is in process" I went to the ombudsman and they even ignored them! It took the ombudsman beating them with a stick and me preparing to start legal action for them finally to make payment as per the ombudsman decision. Do not under any circumstances deal with this company.