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Punk Money Friend & Family lending is not an FCA regulated activity. Lenders and borrowers define and agree to the terms of their loans and should be comfortable with the affordability of the loan before making an agreement. Lending and borrowing cannot be done by way of business. Lenders’ capital is at risk. Funds are not protected by the Financial Services Compensation Scheme. Punk Money Limited (FRN 971343) is an Appointed Representative of CLEARFC LTD (FRN 938464) which is authorised and regulated by the Financial Conduct Authority. Punk Money and Punk.Money are registered trademarks and registered trading names of Punk Money Limited: company number 11333365, with registered address: 2nd Floor, National House, 60-66 Wardour Street, London, United Kingdom, W1F 0TA. Late and missed payments can cause you serious money problems, you should talk to the lender about the loan before it becomes an issue. If you have financial problems there is guidance available at moneyadviceservice.org.uk.