Wonga! What the f...??

[Jay24888]

First of all if you could all read this, it's my first post from a few months ago:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?251036

 

I just checked my bank account this morning to find out wonga took £330 from my account!!! That's £120 interest, how the hell do they have the right to add interest onto something that was their mistake. Also I sent them a letter saying I could repay in installments which they NEVER got back about, they tried calling but I clearly stated on the letter I wish to be wrote to.

 

Also the fact that I "lost" my card after the loan, how did they acquire my new debit card details!?

 

What can I do, surely I can take them to court??

 

I lost my job 3 days ago, that money was all I had left to fend for myself and my child. I now am £200+ overdrawn below my £100 overdraft. Which also means halifax will charge me £5 a day.

 

What can I do???

 

Thanks,

James.

[sillygirl1]

Get a letter to the Halifax pronto stating you are now on benefits and they have no right to take any money from you. State that you had already made an arrangement with Wonga and that they have broken the arrangement, not you.

 

Go to the police and get a crime reference, they may try to fob you off but state that this has left you in dire financial straits and you feel personally threatened by their behaviour.

 

You could now start a court case for harrassment against Wonga as when you are on benefits you don't pay the court fees. Their interest rate is ursury as are their unfair terms and conditions so there is a lot you can throw at them.

 

You could also try the local CAB as you have a child and they should be able to help with benefits and other help.

[sillygirl1]

They won't have used the card they will have used the bank details on the card, something you need to bring up with the bank.

 

Take a separate letter to the bank revoking ALL authority previously given to Wonga and should they try again then you are covered and should get your money back IMMEDIATELY.

[Jay24888]

Many thanks for the great reply. What will I do about overdraft fees. My bank are charging me £5 a day! I have no money to put into the bank.

 

Also technically i'm not on benifits yet, because i've never been on JSA before I have to wait until friday to goto an interview. Should I still do all of that?

[Jay24888]

I also meant to add, i've got about 5 emails over the past few months from them saying "Thanks for repaying the outstanding debt you owed us .............", why did they send me them.

[Jay24888]

Sorry to add again, I called Halifax to explain the overdraft situation, they said they can't do anything and that it was my fault for spending the payment wonga gave me, what the hell??? Some bank they are, what can I do??

[sillygirl1]

Go to a branch of the Halifax with the email that says you have repaid the loan with Wonga and use it to get that payment back. If necessary report the 'theft' to the police and get a crime number, the bank will HAVE to repay you the money and remove the charges..... use their own ineptitude against them!

[Jay24888]

Even if I haven't paid it?

 

What should I do, just print off all of the emails and go down and ask to speak to someone? What should I tell the police, if I say I didn't pay it it wouldn't be classed as theft would it?

[sillygirl1]

Just take the letter to the bank, don't tell them you haven't paid it, tell them that the arrangement is finished and you are using this as backup as they are known to take funds when not authorised to do so.

 

If you want to get out of this mess you have to let some 'morals' go by the board, they are relying on the moral stance now and what they are doing is completely wrong....