well i have sent them the below email, although they never seem to respond? hello, the loan i have with you has now become unmanageable and i have taken the decision to enter in to a repayment plan in order to pay this off. imagine my horror when i tried to do this and realized that you would add an extra £200 to my debt in interest alone before i could make the first payment. due to the fact that i need to make payment asap, i will offer you 2 options 1- i will pay £1 per month for the life of the debt. 2- i will pay the capital lump sum within 30 days. by my calculation this is £488. in this instance i will pay 0 interest on the debt. i am more than happy for this to go to debt management/court as firstly i know my rights, and secondly as a court will confirm i cannot afford more than £1 a month. CPA has already been removed from the cards on my account. due to this i will pay by standing order, could you provide me with your bank details? to confirm there are only 2 options- i will repay the capital within 30 days with NO INTEREST ADDED i will pay £1 a month for the life of the debt. please respond to this in a timely manner. kind regards,

on looking at my account, the actual loan i look was 550 (not 450) the breakdown is- capital payment- 550 interest repayment- 245 transmission fee- 5.50 other charge (?)- 10.00 repayments made- 61.45 can i stop them charging interest for the month of october? can i do anything?

Hi all, I was after a little bit of advice regarding wonga. Basically I am about to default on a loan of which payment is due to be taken on Sunday. I have spoken to my bank regarding removing CPA, and have removed it with wonga themselves (confirmed in writing) so I’m quite confident they won’t be able to take any money from my account (not that I have any to take). The original loan amount was 450, and with interest etc. I now owe 750. I have spent ages working out a budget so I could pay them 150 a month, which would only take 5 months. Once I went through the process they said, as I could make my first payment on the 31/10/2013 that it would take my total owed up to 990! Is there anything I can do about this? Surely they can’t keep adding interest. Is there a way I could just pay back the 450 original amount, and no interest? Thanks