Anyone getting sense out of wonga?

[2009dg]

I set up a repayment with the first payment going out on 1st September, payment was sent 1st but as it was a Saturday it reached them on 3rd.

 

I have had no problems with anyone else.

 

My plan was for the total of £658 I have paid them 4 months payments and I now owe £618 they say I owe £741 and broke the agreement. The thing is they have not once chased me for any money since this 'broken' agreement happened.

 

I have emailed them multiple times but each time I get the 'please phone us' email. I have explained I will not be phoning them, asked for a breakdown and to reinstate the plan but nothing, just the generic email.

 

What should I be doing?

Edited December 24, 2012 by 2009dg

[citizenB]

Who set up the schedule for the payment to be made by the 1st of the month ? You or Wonga ?

 

If WONGA, then I would simply write back and advise that their payment date was ambiguous.. that at least 3 Months out of the year, the payment date would fall on a weekend/bank holiday and automatically puts you in default or forces you to pay earlier than your income permits. They are treating you unreasonably. You want a payment date of around the 5th / 6th of the month that allows you to send at least 2 days earlier to cope with weekend dates.

 

Confirm that you are only prepared to pay the amount originally advised of £618 and that any attempts to obtain money by this arbitrary date setting will be vigorously defended.

 

Remind them that the OFT does not permit them to refuse to accept payment from you.

 

 

Of course if you set the payment date, then in all honesty, you should have made sure you could make that payment date.

 

HTH.