So this is debt 3/8 ( god knows how I managed to get myself into so much trouble, young age and a need for a lavish life style has played havoc with my credit rating and now my finances ) There isn't really much to say on this one ... I got a loan from the infamous Wonga.com and due to being made jobless I was unable to pay it back on time. It then got passed onto Moorcroft who have accepted my offer of £5 pm with out much hassle from them. Would I be able to send them a CCA request letter ? Or does this not work with payday loans ? Thank You

I had a Wonga loan some 3 years ago, all paid off with no problems. I've had no dealings with the company since, however last month they've carried out an Identification check on my Noddle credit report? Is this usual? Why would they do this???

Hi, I wonder if anybody can help me out here. I got a letter from Wonga yesterday and it's paraphrased below. I'm now working away from home over the weekend so can't post the full piece until Monday but I've included all the important parts below. Because of the letters I received I'm due compensation of either £195 or I can go for an individual assessment. Should I choose the assessment the offer then becomes null and void. My debt with them is now with a 3rd party and will become statute barred in about 14 months. I made some stupid decisions when I was a student and am now paying the price for it - as a result I'm fairly certain that I could argue the whole debt should be written off as I would not have met their new lending criteria. My question is twofold. 1. Should I accept the compensation and wait for the default to drop off my credit file? But if I accept the compensation am I then acknowledging the debt and risking it not being written off in 14 months. 2. If I ask for an individual assessment am I then still acknowledging the debt and potentially starting the cycle all over again. Going over some old bank statements I paid £790 towards this before allowing myself to default. So, basically, accept the £195 and be done with it or fight for more? Thanks SP

I defaulted on a wonga loan over a year a go (427 days according to my account) but I haven't heard anything from them or a debt collector. I defaulted on other debts around the same time due to not having a job and I've been repaying them through the debt collectors they were assigned to. Should I make an attempt to repay it or just ignore it until my situation is better? If I'm being honest I don't feel that bad about not paying it back

Hi guys, I hope this find's somebody well and they can assist me in some way shape or form. I have never really given my credit much of a thought but never had the intention of just ignoring debts. I had a slight issue with Wonga over the past few years ending in around 2011-12 were i was borrowing roughly £1100 per month paying it back on pay-day and then re-borrowing. I ended up getting into a bit of a mess that i couldnt pay them back so i entered into the wonga repayment scheme after contacting them. I have done this twice now in past and now im pretty much completley debt free apart from a car finance that is up to date and will be paid off in a year. The main issue i am having is that i am refused credit for everything. I have 2 defaults against my name from wonga. Is is right that i have these defaults on my account even though i had never missed a payment with them and they were paid off in full? It seems slightly unfair that i am stuck with poor credit given i never missed a payment date. Is it something i can look into getting reversed if i contact xperian or wonga? I really want to improve my credit but im refused on everything even vanquis! even when i am earning over £34000 a year! Help

http://www.bbc.co.uk/news/business-29530615 You would have thought they would have learned their lesson by now.. but nope.. they try to squeeze these ads through !

http://news.sky.com/story/1346016/wonga-writes-off-330000-customers-debts

I Got into a mess late 2010/11 with several payday loan companies. When I decided to try to sort them out all apart from Wonga accepted repayment plans and they have all been repaid. I contacted Wonga the week before the loan repayment was due to explain my circumstances, and was told by an agent that there was nothing he could do until the date of the repayment, so ring back then. I did this on the day of the repayment, tried to explain again and was told by another agent that he could not set up a repayment plan, but a manager could and they would phone me in the next few days. after a week no response, I tried Wonga again by phone & email, still no contact. The loan has now been sold to PRA who are asking for double the original loan amount. I have told them that Wonga have not stuck to their terms & conditions in that they never contacted me to discuss a repayment plan. PRA say the terms & conditions state that Wonga could discuss repayment plan and/or pass on to a debt recovery agency (hence PRA). The problem I have is that it has taken 3 years. Am I being naive in thinking that Wonga should have contacted me in a reasonable time? Should I complain to Wonga? any help would be much appreciated.

So my loan details: Capital Payment: £450 Interest Repayment: £183.12 Transmission Fee: £5.50 Other Charges: £20 Total on promise date: £508.62 Paid: £150 --- Defaulted at £734 Paid so far: £230 Balance: £448 (not correct on CRA) --- The £150 above is what I think I got them to remove from my loan as I wasn't paying it. Should I only be paying £450 + £183.12 interest + £12 default fee in total making my balance £415.12 not £448? I really need to go over my emails with them again. I think I need to ask for a breakdown of charges

hi, is it possible to claim back interest from payday loans if u feel that they were miss-sold? any advice would b great thanks.

This may have been covered somewhere else so apologies for that. I am a new poster and have been looking at some of the various responses to posters who are have been having problems with repayment plans. My loan is due on August 6th and I don't think I can pay the full amount all at once. It does say that various ways of paying back will be accepted 7 days before so I went on the website and tried to get onto the repayment plan link and the I&E form. On the front page my contact details are already there and the areas are in grey. One of the areas is for part of my address with an asterisk but this is in grey and I cannot input any information. So I cannot carry on with the form. Has anyone had this problem? I emailed - no answer. I know people say not to phone but I think I will have too. I'm actually also getting worried about this as it looks like people have problems with Wonga accepting offers. Thanks for any advice.

Hello I am new here although I have been reading for quite some time. I am in need of some advice. I am a pensioner of 67 and I took out a wonga loan to fix my roof as it was an emergency. However, since then I have been paying it back and taking it out again because I can't afford to just pay it. I've been rather silly I suppose and learned a lesson but I usually have a very good credit rating and until my son told me, I didn't know that taking out wonga loans is actually frowned upon. I am worrying at night in bed about all of this and yesterday I received an email from wonga saying that the way in which they collect payments is changing and they will only attempt to take the full amount twice with the cpa, and after this, they will not make any further attempts by cpa and no partial payments. if I do not have the full amount in my account on the due date, am I safe from being drained by them? What I really wanted to do was write to both wonga and my bank natwest, requesting that the cpa be cancelled. then contact wonga and ask if I can pay this debt off monthly via their bank in cash. Can anyone help as it is making me ill and not good at my age. Also, my son mentioned opening a new account. I really don't want to do this as I've had my account for over 30 years and am happy as it is. I did ask my bank for a small loan to pay this off but was declined. Not sure why though. Many thanks.

Hi guys (1st post here) I've read through quite a few posts and I think the advice you guys give is nothing short of amazing, I have a Wonga loan which I have now cancelled all cards and CPA with and I'm setting up a standing order with the details they have given me... My account on Wonga shows... Total amount owed - £1124.79 Capital repayment - £880 Interest repayment - £233.79 Transmission fee - £11 Their reply to me cancelling my CPA and debit cards was to say that 'interest will continue to accrue on the outstanding balance' is that something I just have to accept as I have asked for interest to be frozen whilst I make payments as and when I can afford to, So I guess my question is exactly how much should I be looking to pay back? Thanks in advance guys.

Hi folks hope you are able to help stupidly i took out a pdl with wonga in 2011 for £607 plus interest =£787 was due to be paid on 19th jan 2012, various things happened eg loosing job etc, my own fault i failed to contact them. Now this week end what drops through the door CCJ claim form for £1560.53 claiment portfolio recovery associates docs address hl solicitors i know i will have to pay it back but my question is on the claim form they state they got assigned the debt on 18/09/2013 the claiment seeks interest pursuant to 69 of the county courts act 1984 at the rate of 8% per annum from the date of issue continuing at the daily rate of 0.31 what would the interest total on it and would the court cancel the interst??? thanks in advance im stupid i know

on reduced hours from job and now unable to pay loan back in full arrangement made with them for reduce payment with interest stopped. all done nicely . have today rung them to imform them that my employment has now ended and that payments will need to be £50 per month until back in work. they said will send out i & e form to fill in i said ok i will fill it in with zero's as i will have no income they have agreed to put a hold on the account for 38 days BUT i must provide my P45 :lol::lol:

Hello there I currently have a repayment plan with wonga which I have been making regular weekly payments and I'm actually nearly finished paying. My problem is I think I'm overcharged by them I borrowed £485 and the grand total I have to pay back is £1027.50!!!! Is this legal? I do have about £40 in late fees added to this. I have spoke to them on the phone but I couldn't make head nor tail of what they told me. When I asked why I had to pay so much they said the original amount before late fees were added I owed was roughly £587.50 but they say they added 1% interest per day for 60 days to get to the figure of £1027. Can they do this? I don't really know if they can? It seems like an awful lot to pay for a £485 loan. To date I have paid amount £950 back to them, but I've decided to query this matter. Any help would be great on this matter Thanks in advance.

Hi guys, 1st post here, although i've been reading as a guest for what seems an age. Basically, around 2011, I got into the circle of using payday loan companies, mostly work related because of a reduction in hours....i'm free now though! My query however, is this...My final outstanding loan is with Wonga. They 'legally' sold this to MH. Wonga's default is still on my credit file, surely this should be in MH's name, should it not? Thanks in advance guys

Hi, I have AP markers for a credit card which was settled and closed in March 2011. Do I go from this date, for it to be on my credit files for 6 years??

Hi All, Would like to know if anybody has managed to take a case against wonga for the mis-advertisment that a loan with them will do wounder for your credit rating? R

Hi guys, I've done a really stupid thing and got myself into trouble with payday loans. I have four payday loans out at the moment and I can't afford to pay my wonga loan back in full this month due to my mum being ill and not working and having her pay cut so I'm helping with the rent (this was unexpected and she never mentioned her pay being cut until she realised she needed my help). I've emailed them regarding a repayment plan and advised I could only really afford £100-£150 this month to be able to pay the rest, help my mum with rent and have enough for transport to work etc. my loan with wonga is currently around £650 so I was hoping I could pay it in 3 repayments but this month being a smaller value. I'm hoping they accept the repayment plan but my issue is do I trust them to stick to it because I've seen that people are changing bank accounts because they don't trust them. My payment date is the 31/03 and I need to fill out the repayment plan form on the Friday 3 days before the promise date. Your help will be appreciated so much. Thank you

Hi All, I am new to this site and first of all i would like to say good work on all the advice that you post its helped me a fair bit! Anyway at the moment i am looking for my first family home and obviously looking at applying for a mortgage. After looking at my credit file i have two defaults in regards to payday loans. One with Wonga and One with Lending Stream. The good news is i have managed to remove my Wonga default! So i've come here to share the e-mail i sent to them to try any help anyone else in the same situation! My E-Mail to Wonga: Mr Dannyboy253 1a Some street Somewhere Big City S99 9XX Wonga.com LTD 3-4 Prince Albert Road London NW1 7SN Date: 21/02/2014 Dear Sir or Madam Loan Agreement Ref - 0000xxxxxxx After recently obtaining a copy of my credit file from Experian I was concerned to note that your company has placed a "Default" notice against my account in my name. It saddens me that you have done this due to myself being a very loyal and good customer with yourselves. Furthermore to this I have no recollection of ever receiving such a notice, and I therefore require you to substantiate this data at your earliest convenience. 1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit). Your obligation also extends to providing a statement of account. 2. You must supply me with a signed true and certified copy of the original default notice 3. Any deed of assignment if the debt was sold on This “Default” is now seriously affecting my chances of obtaining a mortgage for a family home. I have a dependant that is 14 months old and another that is expected in May 2014, this situation is causing my partner and I great cause for concern and upset. We are finding mortgage applications are failing at the early stages and we have been informed it is because of this. In addition we are under extra stress as we are being threatened with eviction from our current accommodation due to overcrowding making this request all the more urgent. I would request that this data is provided to myself within the next 28 days, if you are unable to provide this data then I must insist that it is removed from my files as unsubstantiated. I hope that with me being a very good and loyal customer that you could help me as a gesture of goodwill and remove this. Yours faithfully Mr Dannyboy253 I sent this as an e-mail to them and also as a letter which was sent 1st Class recorded. I reciveve this responce from them today: Dear Dannyboy253, Thanks for your recent correspondence about us reporting your data to the credit reference bureaux. In relation to the default filed by us on, we can advise you we only record accurate and up to date data with the bureaux. We describe our commitment to this in our terms and conditions, and privacy policy. However, we have sent a request to both Call Credit and Experian to remove any default that may be noted on your file with regards to this account and to update your account as settled on 19/10/2011. Please allow 10 days for this to reflect on your credit file. Should you have any further questions or queries please do not hesitate to contact us on 08448429109. Kind regards, Escalations Team Wonga.com So obviously i am delighted with this outcome, I just have Lending Stream to sort out now! If it doesnt work the first time for you like it did for me, DON'T GIVE UP! It is possible with persistance! Good Luck!

Hi, i may be in the wrong not sure, i made a payment agreement with wonga last month to pay my outstanding balance in installments spread over 3 months, i was 5 days late today by the time i called them, they had added a fine and interest from the last agreement, so from £550 it has gone upto £711, i refused to pay £711 and asked them to reverse it back to £550 and carry on with the original payment agreement of the 3 equally spread payments, which they refused... i have had to ask a friend to lend me the money to pay the (£550) 3 payments and he refuses to give me anymore, which i cant blame him.... i am currently on jobs seekers and live on £56 a week and wouldn't even be able to give them a token payment of £1 a month....what can i do???? Thank you for reading & any advice given.

Hi the follwing is starting to stress me out and cause me huge and uneccesary worry. If someone could help out that would be great. I entered into a repayment plan with wonga 2 months ago now. Method that I pay by bank transfer. I have made good on every payment. HOWEVER, every month I get threatening emails from them saying that I haven't paid them and that from tonight they will attempt to take out £800 out of my account and add back interest. Now when I phone them they are telling me that this is an automated response which has been issued because their systems are only set up to acknwoledge or not, repayments taken from plans where wonga takes the money and not vis versa. So because Wonga has not got the money from this method, computer says no, sends me a threatening email or two, then this ceases after two days which is how long they say it takes for the other method to get recognised on their system. The options the manager gave me was to ignore it or I can stop all communications with them. But this would mean I wouldn't get notified if they didn't recieve a payment or anything else. I said that they have certain collection rules to abide by, i.e. not to threaten people, especially thiose who are in financial hardship, in a repayment plan and paying it back. And ignoring it, well I could do but I can never be 100% sure every month that payment has been recieved and that they won't try and take money out of my account (I have stopped CPAs already but they can probably find another way!) What can I do about this?

Hi all. Received a letter from Epingham Resolution (DCA) demanding £383 on behalf of wonga.com Thing isnive never had a loan from them. I was rejevted for one about 4 or 5 years aho butnhavmt dealt with them ever since. I have emailed wonga ask8ng weather name and address are the only details needed for the person repayong the loan? When applying for one. But have withheld my details untill i hear back to them. Anyone had experience with these epingham people? Where should i go from here? Oddly eneugh this letter arrived two weeks after i sent a log book away for a new car, dont know if thats relevant though. Any advice appreciated.

Hello! I've recently been HOUNDED for £412 from a company called portfolio recovery associates every day for the last couple of months. They leave a voicemail (pre recorded) when I'm out and when I answer it's a robotic voice saying they would like to speak to me, then it connects to an operator....I thought this was illegal?! Anyway I contested the debt as there's no way I owe £412 to anyone and demanded for them to send me a credit agreement. They sent one, and it says I borrowed £80 from Wonga a while back. The woman on the phone said it's gone up to £412 due to added fees...there is no mention of this in the "credit agreement" only the £80 that was apparently originally borrowed. So my question is this....would I legally have to pay the £412 even though I have no proof that this is the amount Wonga require as there's no mention of this amount?! I mean, PRA could have changed the figures themselves couldn't they? And it's a 3 year old debt...have they stalled the default due to them maybe not having correct proof? And what makes a credit agreement a credit agreement? Thanks for your help typed this on my phone and probably doesn't make a lot of sense! Thank you