WONGA - Repayment Plan

[gullible1]

Hi All

 

Does anyone have a good template letter I can send to Wonga to offer a repayment plan to them to pay off my outstanding debt and ask them to stop any further interest (if possible!!)? Also has anyone paid them off without using a debit card as I was thinking of asking for payment slips or something as do not want them having my bank details again as they cleared out my account that I had just put money in to get my new carpet without me knowing and left me no money.

 

Thanx for your help and advice in advance

[robjam1969]

Hi Gullible

 

people have varying successes trying to arrange payment plans with this lot. I would do it by e-mail and be persistant - they will try and get you to phone them.

 

If you get agreement I can let you have there bank details so you can pay by standing order.

[Willo53]

Hi,

 

I am in similar situation and beEN told by customer care that collections do not have an email address and to speak by telephone.

 

Does anyone have collections email address? The interest they have added in just a 2 week window is nothing less than obscene.

 

When do they tend to pass it to DCA?

[PlumFairy]

I tried very hard to get a payment plan with these!!!! But with no luck... Not heard anything for a few weeks ..... bet it's on it's way to a DCA....

[Willo53]

I am in two minds when I get paid just to pay the outstanding balance and get rid. I am not sure if anyone on here has had previously experience of dealing with their DCA, but I dont want a £200 loan turning into a £1000 pound loan with interest within a matter of 2 months.

 

What should one do?

[Dustyd]

Hi Willo,

 

I set up a repayment plan, and paid them online. The problem was, you are right a £400 loan turned into £1000 very quickly with interest and charges. I paid them 2 x payments of £256 then cancelled my card. I haven't heard anything as of 2 months now. My theory is is they have had their money back and pound of flesh, so any DCA/Court would struglle to justify the difference in my view.

 

Why don't you get a pre-pay card and just load enough money on to pay each month.

 

Good luck

 

 

 

 

I am in two minds when I get paid just to pay the outstanding balance and get rid. I am not sure if anyone on here has had previously experience of dealing with their DCA, but I dont want a £200 loan turning into a £1000 pound loan with interest within a matter of 2 months.

 

What should one do?

[johnindespair]

I'm sure that they have a self service option on the website that allows you to set up a plan once you go into arrears. Why are they so difficultto get an arrangement with?

[reddennis]

Hi all and have been offline for a while. Personally I found Wonga ok to deal with as long as you stay firm to what you can reasonably afford and more importantly stick to it !! I owed then £340 & offered £85 per month. They were not happy with this but did agree and I have just the one payment this month before I can apply again !

[gullible1]

Hi Gullible

 

people have varying successes trying to arrange payment plans with this lot. I would do it by e-mail and be persistant - they will try and get you to phone them.

 

If you get agreement I can let you have there bank details so you can pay by standing order.

 

Thanks robjam i am going to workout what i can afford to pay them over the quickest period of time and get in touch with them with my proposal and take it from there. I will let you know if i need the bank details if thats ok as i would rather pay them by standing order than give them my card details again. Cheers

[gingerboy]

i am new to these forums but i found that by keeping everything in writing i avoided the stress of phone calls plus i was able to document everything i recieved back.

[Willo53]

Good replies guys,

 

I will get a letter drafted later today and put them a proposal of 2 payments of £150 this month and the next. That way they are still getting away with £50 additional charges but no more, I am sure I have read somwhere once it goes to a DCA they are only interested in collecting the orginal amount loaned. I dont really want to run that risk and would prefer to keep the interest to a manageable amount.

 

Does anyone know what their collections call centre hours are?

Edited December 9, 2009 by Willo53

[bub1]

Hi, I got into arrears with Wonga.

I set up a repayment plan ver easy.

 

I just kept emailing there site, state no phone calls. Failing that send them a letter recorded delivery stating your account number that you have with them.

 

Or, you can still pay them what you have offered before a repayment plan is set up that way you are paying and trying to clear the debt and can state that to them - You can say 'I havent heard from you with regards to my offer so I paid you what I offered'.

 

I pay Wonga direct into their bank account every month - not by standing order etc.,

 

You will get there in the end.

 

Everything I have had to do with them has been via email or letter no telephone.

 

Bub1

[jackoman]

yes, sticking to email is better, you can keep track of the repayment offers to give you too, i had 1 guy offer me £300 setllement the day after i was offered £250 from someone under him!