Continuous Payment Authority

When you take out a loan with us, you provide us with a Continuous Payment Authority (“CPA”) to collect your payments by debit card directly from your nominated bank account. We will collect the repayment due, including interest and any applicable charges, by CPA on the agreed repayment dates (as will be set out in your loan agreement). We will contact you at least three days before the agreed repayment dates, to remind you when each repayment is due. We may do so by email or text.

Where you give us debit card details and a CPA authority for us to collect your repayment, you also give us continuous authority to do so. This means that if we cannot collect the money you owe us on the Scheduled Repayment Date, we can make further attempts to debit your debit card in accordance with our Terms and Conditions, in order to collect the money due to us, on a continuous basis until the amount you owe is repaid.

Failed payments

If the first repayment transaction fails, then we will make two further attempts within the following 7 days to make sure we have not missed your salary deposit. The attempt will be for Total Amount Payable. Where we cannot obtain the amount outstanding on the due date, we will make immediate attempts on that day and the following days to contact you by phone, email and/or text message and find out why you have been unable to meet your repayment obligations. We urge you to contact us as soon as possible to explain any repayment difficulties and avoid incurring unnecessary charges. If you are experiencing financial hardship we will show forbearance and work with you to agree an alternative resolution. If we cannot contact you or you unreasonably refuse to agree an alternative approach we will continue with our collection procedures which may, after every avenue has been exhausted, include legal action.


You may cancel the CPA that you provide us with when you enter into a loan agreement by contacting your bank directly, or by contacting us. If you do cancel, you will still owe any outstanding debt and will need to provide us with an alternative method of repayment on the agreed payment date to avoid going into default and incurring unnecessary default charges.

To cancel this CPA you may contact your bank directly. Alternatively, you may ask us to cancel it in writing, either by post to Toot Loans, C/O Brighter Lending Limited or by email to Please be aware that, if you do cancel, you will still owe any outstanding debt and you will need to find an alternative method of payment on the Payment Date to avoid going into default.

In the event that the date or dates set out in this Agreement should fall on a Saturday, Sunday, or a public holiday, then payment may be taken on the next available business day.


Should you dispute a payment collected within the terms of the CPA you can do so by contacting the customer services department by telephone on 0151 452 0079 or email We will investigate the disputed payment and any refund will be paid within 5 working days.

Ready to get started?

Before considering a personal loan, you should take some time to work out whether a loan is your best option. You should never take out a loan if you’re worried about whether you can meet the repayments.

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