wonga debt out of control

[jody32]

hi can anyone help me with doing a payment plan with wonga my debt is up to 1372 and is due out tomorrow but i cant afford to keep paying the debt and then borrowing more just to clear my bill

 

please somebody HELP!!!!!!!!

[Rider1974]

First thing is first, speak to wonga and get them to set up a payment plan for you. I emailed them (cant remember the email address though) explaining my situation and the fact that i could not pay the debt off. They did email back about 2 days later to advise that they need a income and expenditure form filled out, which involved things like rent payments, council tax etc etc, i do not think legally they are entitled to ask for this information though maybe somebody could help me out here with that. I did fill in the form and sent it back to them, they then sent another email back about 2 days later again advising that they had accepted my proposal and the loan would start being paid back that month of £50 per month (i owed about £1500). The annoying thing is that they still charge the interest until they have confirmed the arrangement....! You then log onto your account and it shows you the payment plan set up and when the payments are due etc.....I then phoned and made payments each month, i never set up a direct debit as i knew that they would milk my account one month. I have since paid the loan back with a little help from people and no longer owe the money, but i do know what you are going through...there is light at the end of the tunnel just hang in there and hopefully somebody else will be along to maybe give you more sound advise on a more legal basis......

[renegadeimp]

First thing to do is secure your bank account, then inform wonga you will default and want to arrange a repayment plan. Do all this in writing and NOT on the phone. Repayments are to be made by standing order. NEVER phone them to make payments or give them your debit card details.