118 118 MONEY Reviews 

Really very helpful

Quick and easy

Got the card to transfer an interest free balance for 6 months, but as there is no functionality within the app, to do this you have to call in. However you end up speaking with an overseas call centre where the line is so bad & the accents so strong that neither of us understood what the other wanted/ was saying & I had zero confidence that any transfer being credited to my 118 card would actually be debited correctly from my other cards, & so not worth the risk to proceed.

I am absolutely disgusted with how 118 118 Money has handled my account.

I took out more credit than I should have due to impulsivity associated with my ADHD. I made 118 118 Money aware of my circumstances and, rather than ignoring the debt, I entered into a payment arrangement with them to get the account under control.

During that arrangement, they issued a default notice. Despite being in financial difficulty, I found the money to pay what they required because I was determined to keep the account on track. I then continued with the payment arrangement as agreed.

There was subsequently an issue where both my normal monthly payment and a payment-plan payment were taken. To be fair, 118 118 Money did rectify this and correct the duplicate payment. I have no issue with that particular matter.

The payment arrangement subsequently ended and I returned to my normal contractual monthly payments, which I continued making without missing a payment.

Then comes the latest issue.

118 118 Money claim they sent me another notice by post at the beginning of July, giving me until 31 July to make a payment. I have never received this letter. As of 18 August, it had still not arrived.

The address they have on file is my parents’ address, which I regularly visit. They only receive post around twice a week and have confirmed that this letter has not arrived.

Despite this, 118 118 Money proceeded to terminate my agreement and register a default.

The first communication I actually received was the termination email. As soon as I received it, I called them and offered to make the payment that same day — exactly as I had done previously when I was actually made aware of a default notice.

I was told they could do nothing.

So despite engaging with the lender, entering into and completing a payment arrangement, returning to my normal contractual payments and not missing those payments, I have now been given a default because of a letter I genuinely never received.

The consequences of this are potentially enormous. A default can remain on a credit file for six years, and I had literally just reached the point where my previous default had dropped off.

I have made 118 118 Money fully aware of my circumstances and the difficulties I have experienced. Instead of feeling like they have helped me manage my financial situation, I feel that their handling of this has made my situation considerably worse and caused significant distress.

I find the way they have handled this particularly unacceptable given that they were aware of my ADHD and the difficulties I had experienced with impulsive borrowing. I wasn’t refusing to pay. I wasn’t ignoring them. I was actively trying to manage the debt and had been making the payments I had agreed to make.

The moment I actually became aware there was a problem, I offered to pay.

They still defaulted me.

I have now made a formal complaint and will be taking this as far as I possibly can, including escalating the matter externally if necessary. I am asking 118 118 Money to explain how they believe this has been handled fairly and what they can do to put it right.

I would strongly urge anyone experiencing financial difficulties or vulnerability to think very carefully before dealing with this company. My experience has been extremely distressing and I feel completely let down by how they have treated me.

Good and affordable interest rate

Very easy to deal with no problems a very quick very happy

Amazing money in my bank 10 minutes thank you

I was offered a balance tranfer then told on chat to call up then they would do it on phone. Then to be told on phone they cant do it ither.

Very easy and straightforward and money in account same day 😁

Very quick and easy

Very smooth easy and smooth set! Brilliant!

Absolutely Great

Great job, thank you, I recommend!

Service was excellent quick and professional happy about the service that was given

Very bad and worst company i was having an issue which i raised to them but wt they done they block my card wthout any providing me information and after one month they closed my account.

Booked a flight within my credit limit and they blocked my card. I understand security is needed but trying to get it unblocked and working again is a lot of hassle. 6 phones calls 3 chats and still no where even after confirming I made the transaction and nothing is wrong with it.

Very easy to apply for and very quick redponse