Customers who fell victim to unaffordable payday loans have just a few days to ensure they get some cash back before their lender goes into administration.
Cash compensation payments are being sent to thousands of customers who took out loans with Money Shop, Payday Express and Payday UK customers.
But watch your bank account, because if you don't get your payout by 20 January, you'll be too late.
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After that date, the parent company Instant Cash Loans (ICL) will go into liquidation and you won't be able to get the cash, so you must inform ICL if you have not received your payout.
Borrowers have also been warned that if they did not submit a claim last year, they have left it too late now to start.
If your claim was accepted last year, the amount you will get this time will be much smaller than the first payout, which arrived in May or June.
And borrowers will receive much less compensation cash than the amount they were lent, as the £18million made available by the three lenders' parent company Instant Cash Loans (ICL) must be shared out by almost two million affected customers.
ICL has agreed to pay out just 4.31p for every £1 borrowed in the first payment and 0.65p for every £1 borrowed via the second cash sum.
ICL stopped offering out new loans to borrowers in August 2018 and announced a compensation scheme for customers who were mis-sold loans before October 2019.
A number of other high-profile firms including Wonga, QuickQuid and Peachy have also collapsed, leaving thousands of customers without full compensation for mis-sold loans.
City watchdog the Financial Conduct Authority has been urged to close this loophole to protect customers.
