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Got a question? What Are The Fees? giffgaff Limited is authorised and regulated by the Financial Conduct Authority and is listed on the Financial Services Register. This new asset class fills a gap for the retail investor between the low risk, low reward of cash and the high return, high volatility of shares. Ratesetter is a true peer to peer lending company so you’re loaning money directly to borrowers. If you have any questions about your loan, contact our loan partner RateSetter. Over 750,000 customers have chosen RateSetter for its dedication to delivering market-leading products and services to investors and borrowers. Investing. We're here to help. For example, the Nokia Lumia 1020 is £525 upfront. They've sold the 1 year option and the other 3 options take too long to get your money back. koliver87 Thank you for contacting the giffgaff Community.. For anything regarding your Phone Handset Payments and Loan you will need to make contact with Ratesetter as this is who the loan is with.. You can do so by calling this number |020 3142 6226, depending on their opening hours you may need to leave a message with your details and they will call you back. Text 'Forgotten' to 43430 and we'll send you an SMS with your member information so you can enter the correct info and reset your details. I have decided not to invest further with Ratesetter since being with them from the beginning. Didn't receive an email? In contrast, RateSetter and GiffGaff members will be able to choose a repayment period of between six and 24 months, and have the option to pay up to £200 upfront. RateSetter launched in 2010 to give people the opportunity to earn more on their money by allowing them to lend directly. Ratesetter charges an exit fee on their 1, 3, 5 year, Plus and Max products. Firm Reference Number - 680957. giffgaff is a mobile network that loves to do things a little different. From October 2020, Metro Bank is funding all RateSetter’s new consumer lending. We provide online help and support 24/7, so you won’t have to hold a phone for a corporate call centre. Registered address – giffgaff Limited, 260 Bath Road, Slough SL1 4DX. There are several ways to contact them: Email: borrow@ratesetter.com; Phone: 020 3142 6226; Legal information. A giffgaff spokesperson provided some insight into the mechanics of the new product: “Loan APRs will vary between 9-15% depending on individual circumstances and RateSetter will set the base rates to match the best market rates available to keep the borrowing proposition as simple, and cost-effective as possible”. "RateSetter Ts&Cs" means the terms and conditions set out on the Website We're all part of a community that won't let you down. All new lending from Access, Plus and Max and the 1 Year product will be to the following RateSetter loan types: secured residential property development finance, asset finance, family finance and giffgaff loans. RateSetter is an award-winning provider of consumer loans offering speed, value and service. Borrowing. This is good for lenders. Financial information - your bank account number, sort code, bank transactions, your financial status, position and history; Communication Information - your contact details (whether via letter, email, SMS or telephone) Transactional Information - a record of payments made to or received from RateSetter The fees are as follows: Access: No fee 1 year: 0.3% 3 year: 1% (for those invested in the now-defunct 3 yr product) 5 year: 1.5% "RateSetter" means the trading name of Retail Money Market Limited which has its registered office at 6th floor, 55 Bishopsgate, London EC2N 3AS (Company Number 07075792). 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