OK RENEGADEIMP but I would actually like to know some details firt they are refusing everything so I now feel like I am unwilling to give anything either which I have explained to FOS so will just have to wait.

I have been on to FOS they are now taking it over just waiting for their pack which I have to sign and return so we shall see. What I would really like to know though is can a company just put a Default on your account without actually telling you ? FOS read out complaint to me over phone and one was no notice of Default ?? No I have not been to police as earlier advice stated it was down to them to prove that I had or hadn't had the loan.

Also signed up to another credit checking agency to find wonga has put 23 great big black D's can they do this??

I have received Wongas final reply refusing me any information at all ???????/ Help Dear xxxx, We’ve investigated your case but unfortunately we can’t uphold your complaint because our investigation finds that there is insufficient evidence of fraud due to the bank check confirming a full match. We are awaiting the requested police report and/or bank statement and letter comfirming fraud on your bank account. On receipt we will be able to continue with our investigation. For a speedily outcome, this requested information is paramount. We cannot provide you with a statement of this loan, because due to the fraudulant nature of your report, we can only provide such evidence to the police. Again if you can provide the police crime reference number to us, we can then liaise with the police to resolve. This is our final response but if you’re not satisfied with it, you can refer your complaint to the Financial Ombudsman Service. If want to do this, you can within 6 months of the date of this letter. For more information on the Financial Ombudsman Service, please see the consumer information leaflet found at: http://financial-ombudsman.org.uk/publications/consumer-leaflet.htm If you want a hard copy of the Financial Ombudsman Service consumer leaflet, please call us on 0207 138 8330. The address of the Financial Ombudsman Service is: The Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9SR Telephone: 0300 123 9123. Best wishes, Miriam Bridgeman Escalations Team Wonga.com

Yes it would be that simple with a common sense approach but well I will see what they send so far 0 ...........

Hi Ocelot0411 could you give me a rundown of how it went for you and what did FOS and others do for you regards to CFO please

Yes I have told them I won't speak to them on phone just need to find the no phone call template and will send them that. I let them do most of talking except saying I have no knowledge of debt and send me details to email. Thank you renegadeimp for you help on both my posts you probably think I'm a right idiot but I assure you I'm not just let everything get too much. Thank you for your help.

I know but at least I have got it all in writing and with good advice from here I have made all of my complaints

Just to update WONGA called he was asking a lot of questions about the prove it email I sent so I just said I have made my position clear it is now down to them to respond. They said they have called the bank to confirm it was my account the money was paid into - can they do this? Also he sounded like he was trying to get me to say it was mine which I refused and reiterated that he would have to send all details via email as the only knowledge I have of this is from my credit file. Will have to see what he comes back with now as I am not chasing around looking for things .......

I then replied this so they would know I am still waiting the complaints departments final reply before I go to FOS Hi I have emailed a complaint to your complaints department and copied this email address in also as I have already made my complaint I shall await a final response from your complaints department before forwarding onto FOS as I have already stated I have made complaints to OFT and FCA. Thank you for your reply.

This is what has been sent spoke to FOS and they said email or written complaint fine so emailed both collection and complaints departments, Dear Sirs/ Madam I am making a formal complaint relating to the above account of myselfxxxxxxxx. I feel that the charges you have stated are very unfair and the fact you are refusing to freeze the interest whilst I am trying to sort this out I feel is also wrong. I have recently received you CFO resolution email which of course I have looked up online and discovered you are using it in an attempt to get bank details of customers so you can empty their accounts which I am sure must be illegal. What I am asking you to do is freeze the interest and remove the penalty interest so the loan is back down to 1020 and accept my token payment for the next 6 months when we can look at my situation again and there could be a possibility to repay the loan. I have explained I am currently off sick from work but I will return as soon as possible. I don't think this is unreasonable request in any way. Having taken advice I hereby give you 8 weeks to respond with a resolution to my complaint. I would also make you aware I have already made complaints to the OFT and FCA and if we cannot come to a satisfacory arrangement I will then be sending everything to FOS. Kind Regards xxxxxxxxx I'm not great at letter writing but think they get the point collections replied : Good afternoon xxxx Thank you for your email. After looking through your account I can see we have previously given you a breakdown of your account including a copy of your electronic contract you signed upon application. If you was not happy with the terms of the loan you should have not gone ahead with the application. Charges was applied to your account as you agreed to repay the full amount on your next pay day 26/04/2013. You failed to meet minimum payment and you failed to inform us of any financial difficulties although we have tried to set an arrangement which in the process has been unsuccessful. As you defaulted interest and charges was applied to your account through the collections procedures that are still in place. We received an email from you four months later requesting a breakdown of your account on the 7th of August which I personally responded to you on the 9th and provided you this information and tried to assist you further in setting a repayment plan that will freeze your account from the first payment being received. You then advised of your financial difficulties on the 9th of August as a response to my email that you are now with a debt management company. Charges was already applied to the account which you was well aware would apply as this is outlined in your contract that you signed on application. I advised £1 cannot be accepted for a repayment plan to freeze your account but we will accept this as token payments until you are in a position to make increased payments. I also advised you, you have reached the maximum charges that can be applied to your account. As previously advised any payments made from here on will reduce your balance only but not freeze your account. Your account has been updated of your financial difficulties but my best advice is to make token payments and when you can increase we can discuss your options further. Mind they aren't much better a writing than me lol

Yes bombay I did a search and it was on here I think anyway I wouldn't do it myself but have added this along with the email to both OFT and FCA and also put it in my official complaint to CFO stating I think it's just a phishing email to get current bank details ect.

OK thanks for everybody s help so to recap I have now complained to CFO officially giving them the 8 weeks also telling them I have already complained to both OFT and FCA and sent all correspondence to them which I have. I have also told them that if we cant find a satisfactory resolution in their final response I will be taking it to FOS.

Thank you Bombay I have now sent them a complaint and forwarded all correspondence between myself and CFO. Will see what happens now I also asked them to look at the credit agreement as not sure if its right.

Ok I have emailed OFT and forwarded them all of my correspondence between the both of us, Who are FCA an what do they do I will draft a formal letter of complaint to CFO but I would like to know if the above credit agreement they have sent is correct and as it should be so I could add that to complaint if necessary. Thanks for you help