If you were mis-sold then you are due back all the interest, fees, charges and eight percent per year statutory interest on top since you took it out.
My www.mse.me/reclaimpaydayloan guide has free help and a tool, or just write to the lender yourself explaining why you think you were mis-sold. And if the payday lender rejects you, take your case to the free www.financial-ombudsman.org.uk – over 60 percent of people who have, won.
Payday loan alternatives
There can be short term emergencies where some need to borrow. Always minimise the amount you borrow, ensure you can afford the repayments, and repay as quickly as you can (without killing your finances).