**Warning**: Late repayment can cause you serious money problems. For help moneyhelper.org.uk | **Representative APR: 49.9.%** | CUJ Loans is a registered trading name of Upward Finance Ltd who is an introducer appointed representative of Flux Funding Limited, who are a full authorised credit broker, not a lender.
Warning: Late repayment can cause you serious money problems. For help moneyhelper.org.uk


Customer complaints

At Upward Finance Limited, we always endeavour to provide the best service we can to our customers. It is important to us that we are aware of any problems or complaints you may have in relation to our website or services.

How do I make a complaint?

If you are unhappy or wish to make a complaint, you can contact us by:

Post: Complaints Manager, CUJ Loans, 47 Bell Yard, London, England, WC2A 2JR

Email: [email protected]

What happens next?

As we are a Licensed Credit Broker, we are governed by the jurisdiction of the Financial Ombudsman Services (FOS) when dealing with customer complaints. As a result of this, you can expect to have your complaint handled in the following manner:
1. Upon receipt of your complaint, we will do our best to resolve the complaint by the close of business the following day. In order to assist us to deal with your complaint swiftly, it is best that you provide a daytime telephone number when making your complaint.
2. If we do not resolve your complaint by the close of business the following day, we will write to you within 5 days of this time elapsing. This initial letter will set out the following:

a. the name and contact details of the individual dealing with your complaint,
b. a summary of your complaint as we understand it,
c. a breakdown of the complaint procedure going forward

3. Upon sending the letter, we will commence a thorough Management Investigation into the complaint raised by you. The FOS sets an 8 week period for Companies to conduct a Management Investigation and provide a Final Written Response to the complainant. We will make all efforts to investigate your complaint sooner than this, but depending on the complexity of the complaint this may not be possible. We will endeavour to keep in contact with you on a regular basis as we attempt to resolve the matter.

4. Once the investigation is complete, a Final Written Response will be sent to you from Upward Finance Limited that will provide you with a summary of our investigation and our decision on the matter. This will also include a copy of the Financial Ombudsman Services’ explanatory booklet.

What if I am not happy with the outcome?

If you are dissatisfied with the outcome of our investigation, you have the right to take your complaint to the Financial Ombudsman Service (FOS). If you wish to refer this matter to the FOS, you must do so within six months of the date of the letter or you may lose the right to refer the complaint.

You can contact The Financial Ombudsman Service by:

Post: Exchange Tower, Harbour Exchange, London, E14 9SR

Email: [email protected]


0800 023 4567 calls to this number are now free on mobile phones and landlines

0300 123 9123 calls to this number cost no more than calls to 01 and 02 numbers

European Online Dispute Resolution Platform

In relation to your complaint, you can also request a review from the European Online Dispute Resolution platform

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