Wonga.com loan problem

[troughmonster]

Hi

 

I need some advice regarding a payday loan I took out a couple of months ago.

I could not pay the loan back at the end of November, and have written to Wonga twice, and emailed them 7 times, but they simply ignore my correspondence.

They have sent letter after letter, stating that the amount owed has increased (from an initial £200 to over £500 now).

Most recently I got a letter from their inhouse solicitors Chainey D'Mato and Shannon, which was very threatening, stating they they are going to send debt collectors to my house to assess my assets prior to seizure.

 

I have written to them revoking their right to visit me unless they have a CCJ/warrant, and have made clear offers of monthly repayment by installments.

I have also disputed the level of interest and charges being applied, and have told them that I only accept so much of the interest/charges.

I have also reported them to the FLA, who have acknowledged my complaint and passed onto them.

 

My main concern is that seemingly wont respond to my letters/emails, and therefore I cant agree a repayment plan with them.

 

Is there anything else I can do?

Edited January 22, 2009 by troughmonster
extra wording at bottom of message left there by mistake

[bazaar]

Hi Trough

Looks like you'll have to wait and see how they play this.

They are only threats at the moment to try and get you ruffled.

You say youve written to them, what did you write? Did you request any agreement?

if you're willing to pay off the amount truely owed (IE the 200 ) then offer them a full and final at a rate you can afford.

Otherwise you'll wait til they decide if its worth taking you to court for, in which case the court will decide what you can afford

[troughmonster]

Hi

 

I am willing to pay what I really owed them, but have asked to do this over several months.

I havent questioned the debt - is there any point?

[Ell-enn]

Make sure you have no money in the bank account that they have your card details for as they will systematically empty the account. They will try every day for the money until they eventually hit a day when there is money in the account!

[bazaar]

Ell makes a very good point, you need to cover yer backside with that

[nigelb]

Hi

I sympathise with your problem with this company. I was due to repay a payday loan I had with them and had the money in my account to do so, but my bank had flagged the card due to fraudulent use (unrelated to Wonga) and Wonga called me claiming they had only been able to take part-payment.

I agreed to make a bank transfer for the balance, which I did that evening.

Yes, you guessed it: when I got my statement turns out they had taken full payment in 14 small payments.

Now I can't get them to refund me the over-payment.

You can't get through to them on the phone and they don't respond to e-mails.

I have written to them..no reply.

I asked for contact details for a senior manager..no response.

Not quite sure what to do now. I sent them bank statements showing what they had taken, but they won't deal with it.

 

Wonga....avoid

 

Cheers

 

Nigel