A wrong figure on a page, an application that stalled, a lender that ignored Saskatchewan's rules and a collection agent who crossed a line each have a different door. Page errors come to us; a loan problem goes to the lender first and then to the Financial and Consumer Affairs Authority of Saskatchewan.
Who handles what
| The problem | Where it goes |
|---|---|
| A page here is wrong or out of date | Us, at the email address in the footer |
| The form or your application's status | The matching service's support contact |
| A loan you hold: a payment, a date, a charge | The lender named on your agreement |
| A missing licence, a cost above $14 per $100, a refused cancellation, a rollover or a second loan while one is open | The Financial and Consumer Affairs Authority of Saskatchewan, Consumer Credit Division |
| A collection agent's conduct | The FCAA, under Saskatchewan's collection agents rules |
| A federally regulated bank, or general borrower rights | The Financial Consumer Agency of Canada |
Something on this site is wrong
Errors on this site are ours to fix; report one to the email address in the footer, naming the page and the sentence. We reply within two business days and correct a wrong figure once it is confirmed against the source; the date at the top changes when the fix goes live. The contact page lists the other doors.
Your application
Questions about the status of an application belong to the matching service, whose support contact is on the form. The application never passes through this site, so we cannot look it up or explain a decline. The how it works page names each step so you can say where it stopped.
A loan you hold
A problem with a loan you have signed starts with the lender, whose complaint contact must be on the agreement. Under The Payday Loans Act and The Payday Loans Regulations a licensed payday lender in Saskatchewan must:
- charge no more than $14 per $100 borrowed;
- lend no more than $1500 and no more than 50% of your net pay for the pay period;
- set the term at 62 days or less, repaid in one payment on your next pay date;
- accept your cancellation at no cost by the end of the next business day after signing;
- write no rollover and open no second payday loan while one is outstanding.
Saskatchewan has no mandatory extended payment plan, so a lender is not required to split a loan; if the date looks short, call the lender before it arrives and ask for a split in writing. Put any complaint in writing and keep a copy; the FAQ covers the common repayment questions.
Lender conduct and collection agents
A licensed lender that will not put things right answers to the Financial and Consumer Affairs Authority of Saskatchewan, Consumer Credit Division, which licenses every payday lender and location in the province, online lenders included; a lender with no FCAA licence goes to the FCAA directly.
A collection agent who calls at unreasonable hours, misstates what you owe or threatens what the law does not allow answers to the FCAA under Saskatchewan's collection agents rules. Questions about rights across the country, and complaints about a federally regulated bank, go to the Financial Consumer Agency of Canada.
What to keep
Keep the signed agreement, the e-transfer record showing the date and amount the money landed, the cancellation notice if you cancelled, the record of each debit from your chequing account, and every message with the lender or the agent. A regulator can act on a dated paper trail.
What we can and cannot do
We can correct our own pages and tell you which door a problem belongs to; we cannot cancel a loan, change a payment date or make a lender answer you. We hold no account with any lender and no access to your application, as the about page explains. Complaint emails are kept until the matter is closed, then deleted, and never shared.
Loan options in Regina
One page per product: who qualifies, how fast it funds and what to check before you sign.
