Wonga fight under way

[pompeyfaith]

lol classic letter and what a load of &ull too

 

We have a working relationship with many police forces lol the police are not interested its a civil matter.

 

Their is so much %rap in this letter I would seriously consider showing it to someone legal.

 

The first I've seen that mentions the fraud act and threats imprisonment.

 

Very bad indeed and I would consider taking this further.

[toofiegap]

maybe I should change my name to Jailbird incarcerate myself in the rabbit cage with a mug rub it along the bars singing NOBODY KNOWS THE TROUBLE I HAVE SEEN LOL seriously though I have already notified my MP an awaiting for him to come back to me, with all the ammo I have now am sure there will be something they can sort out I may even take this to a solicitors as I am entitled to Legal aid now I am Unemployed thanks to a completely different problem (nothing to do with debt)

[pompeyfaith]

I would definitely get a solicitor to have a look at that and seek his thoughts.

[theoldgit]

lol classic letter and what a load of &ull too

 

We have a working relationship with many police forces lol the police are not interested its a civil matter.

 

Their is so much %rap in this letter I would seriously consider showing it to someone legal.

 

The first I've seen that mentions the fraud act and threats imprisonment.

 

Very bad indeed and I would consider taking this further.

 

The trouble is, they, as you note, are suggesting that it is a criminal act, though I think their interpretation of the law is somewhat flawed.

 

I think they are just being bullies.

[lord_tiger_putin]

• We can instruct a Debt Collection Agency to recover the debt by any means permitted by LAW. (This may mean that a debt collector calls to your home to collect payment or to assess your assets prior to taking Legal Action).
  

 

It came from the same people wrting this MasterPiece.

[Guest Mrs Hobbit]

Tort of Trespass letter required here.....check....not check mate.

[toofiegap]

been looking at the cosumer credit act seems they have broken several rules as I now am awaiting for my MP to get back to me and poss sonsulting a solicitor too over the fraud threats They are going down this time they have crossed the line too far and they are not going back over I am going all the way and hopefully try and revoke thier licence

[fuzzybobble]

They have been coming down hard on these type of operations just recently. They're basically legalised loan sharks, and I know the OFT have stamped on a few of them for the way they operate. Complaints all the way me thinks. Especially regarding that last letter they sent you. That is way out of order.

 

If it were me, I'd be even more determind to pop down to the bank and get the payments reversed, then offer them £1 a month. As for the £80 fee for "looking into your complaint" then I'd be giving them a ton of hassle over that too.

 

Just as a matter of interest, what interest rate are they charging?

 

Also might be worth posting all their terms and conditions, as I'm sure with a few more pairs of eyes looking at them, there will be more dodgy stuff we can help you throw back at them.

[toofiegap]

just received this mail

 

Unfortunately your loan cannot be extended as its in arrears.

 

You can repay your loan, view your balance or pay a part of your balance at anytime by logging into your account at https://www.wonga.com/Login.aspx

 

Interest and charges will continue to be applied to the account and letters issued to protect our interests until a mutual agreement is in place in accordance with the Terms and Conditions of the Credit Agreement. .

We require to contact us on 0844 842 9109 to discuss a mutually acceptable arrangement for payment of your account.

JUst mailed me this

 

my reply

 

 

well if you had in the beginning let it be deferred when it should have been then this wouldn't have happened would it ???????

 

This case has now been refeered to several governing bodies as the E mail I was sent breaks a lot of of the guidelines and placing the fact I could be jailed for fraud for even thinking about taking or even asking for money back is threatening in itself. and trying to poss charge 80.00. for looking into this. This is going legal now and NO I AM NOT REFUSING TO PAY I ask this account be placed on hold with nothing taken out of my bank and interest frozen until as such time that this has been resolved

Edited July 15, 2010 by toofiegap
additional sentance I mised

[fuzzybobble]

Also follow it up with a recorded delivery letter, headed "Formal Complaint" and outlining why you now consider the account to be in dispute. As they have added an £80 unlawful penalty charge, it's in dispute.

 

If it were me, I'd be sending them a letter demanding the £80 be removed or them send a full breakdown of how it costs £80 to send you an email that breaks loads of laws and guidelines and threats of prison. Then once they've replied and tried to squirm their way out of it, a letter befor action. Then haul their sorry asses into court to get the £80 refunded + you can get about £250+ costs too. (I'm sure they wouldn't want a judge to catch sight of that email or their interest rates.)

[theoldgit]

They have been coming down hard on these Just as a matter of interest, what interest rate are they charging?

 

 

From the wangers [sic] website

 

Our flexible, short term service comes with a Typical 2689% APR, but bear in mind that the loan duration is only up to a month. We provide short term loans and APR is an industry standard calculation that looks at annual repayment costs.

 

Pretty daming, though there is a pretty feeble attempt to justify it. They also charge their victims, sorry their customers a £5.50 to pay the loan into the account, wonder what that task actually costs them?

[toofiegap]

beleive me I am taking them to court anyways with the fuel I have I am going for removal of thier licence

[toofiegap]

think the interest is well over 2000%ish

[sillygirl1]

That £80 charge is totally illegal, you need to let the OFT have a copy of that missive (a load of errors in it relating to OFT guidance, let alone breaches of Data Protection) and complain to Trading Standards via Consumer Direct.

 

Wonga cannot send anyone round to your house to collect money, they will not be able to 'assess your possessions for pre-bailiff action' or any other phrase they may care to use.

 

I would also put in a complaint to Advertising Standards about their claims on their website - get them in as many ways as you can. They really are way out of line here and need to be closed down.

 

Sadly the payday loan 'industry' has become a farce due to the likes of this company and others riding roughshod over customers and consumer law.

[sillygirl1]

This bit alone is totally wrong - they are the ones committing fraud now....,.

 

Your current creditors may wish to withdraw your current credit facilities and you may find that the record of your actions seriously inhibits your ability to obtain further credit.

 

They are NOT in control of your current creditors and should anyone take action against you because of Wonga you have both companies for unfair practices....

[toofiegap]

beleive me as I said I am going for thier licence to be revoked lots of fuel here they have finally (hopefully bitten off more than they can chew )

[Ssha]

If you don't get a response from your written complaint in 8 weeks (you must put "complaint" as the title then contact the Financial Ombudsman Service, also inform them that this is what you will be doing.

 

I took out a loan with them in December and could not pay it back. I cancelled my card, wrote to them with a financial statement showing what I could afford to pay but I just kept getting standard e-mails from them increasing the total owed by 100s of pounds. Since trying to correspond with them the first three times I have just ignored them and have not had any communication for months. If they take me to court or sell the debt on I will only enter into a repayment arrangement if the amount owed is reasonable.

[Guest Mrs Hobbit]

Threats all the way and this needs to be report to the OFT immediately. Take a letter to to your bank straight away and tell them in no uncertain terms you are withdrawing the DD Mandate and if Wonga try to take a payment, the bank will held responsible for any losses you or charges you may incur. The bank has to act on this written advice.

[toofiegap]

I acutally asked them tp place the account in dispute too reaction. to add another 4.00 on top and refused to do so I told them that if my account is touched it could further damage them

this just in via e mail

Whilst we appreciate your current difficulties, and will not refuse any payment, we cannot withhold action without a payment arrangement.

[Guest Mrs Hobbit]

If this is the bank you are referring to, they cannot do this. They must carry out your instructions. Cancel the DD immediately, out this instruction in writing and hand it in at your local branch and make sure they annotate your file while you are there.

[toofiegap]

no wonga recon I have no cdispute they are the ones still adding the interest on top and refusing to do as I ask

[Guest Mrs Hobbit]

Wonga will ignore you..this the way they operate.

[toofiegap]

This time would be hard not to I have informed FOS, FLA, TS, and advertising agency due to breach of what they have done and content of the website.. and obudsman local MP (unable to help) and now just mailed my local paper hope they can take this up. and tomorrow going to seek legal advise about those vile threats of me committing fraud they saying they are in laiason with the met and threats of poss jail for 10 years maybe then they cannot ignore this cos I am like a mule Stubborn and I will not go away or settle until resolved. Will let you know what happens.

[Ssha]

Good luck!

[toofiegap]

also gaining more info been through OFT guidelines and found already & breaches