Wonga Repayment Plan Problem

[jh7891]

Hello,

 

Last year I managed to get on top of my finances and agree repayment plans with many of my creditors, including Wonga.

 

Wonga were hard to deal with at first - insisting I pay double, but eventually accepted what I'd offered. I once had to amend the amount I pay per month, which they did over the phone no problems asked.

 

I had to go part-time at work recently due to a long term health condition, so have had to readjust what I can pay my creditors. I called Wonga two weeks ago assuming I could do this over the phone - but they said I had to wait until my repayment plan defaulted and do it online!

 

So my payment didn't collect yesterday, and I couldn't see this option. So I emailed them saying the £315 remaining is to be split into 4 equal payments taken on the last working day of each month (with the exception of Mays one which will be taken at the beginning of June).

 

I received an automated response, stating a reply will be within 24-48 hours, but then this morning I received another email stating that my repayment plan will end at 10pm tonight, and they will then try and collect £411 - which has the charges on top!

 

I've tried calling them today, but have been on hold for an hour - with no answer.

 

Has anyone else had the same problem or can anyone offer advice?

 

Many thanks

[renegadeimp]

Keep everything in writing and secure your bank account. Wonga know very well that they have to abide by guidelines and regulation and CANNOT delay a repayment plan purely to add more charges. Especially since you gave them plenty of notice.

[jh7891]

Keep everything in writing and secure your bank account. Wonga know very well that they have to abide by guidelines and regulation and CANNOT delay a repayment plan purely to add more charges. Especially since you gave them plenty of notice.

 

Thank you for the advice. I have a separate bank account for my wages, and also use an Orange cash card for some of my creditors, just to make sure my wages are safe.

 

I managed to get through to them in the end, and the person that answered said that as long as I reset up the payment plan online asap, then there won't be any charges added, and the £411 would only be charged if I didn't set this up. I had to wait until 10pm so I could set this up

 

The annoying thing about doing it online though, is the Income and Expenditure form, there weren't enough fields for creditors and day to day living costs, so I had to put more money in some fields, to make sure that they didn't suggest I should pay back more than I can afford!

[renegadeimp]

Of course they wont add any charges. They would be unlawful if they did.

[jh7891]

Of course they wont add any charges. They would be unlawful if they did.

 

Exactly. Their automated email worried me, maybe they should word them better...

 

The day I'm free from the PDL's, I'll breathe a huge high of relief!