wonga disregarding letter re. circumstances and payment plan offer

[jamezon]

Hi as per my title, caught up in a multiple payday mess. One of which, Wonga, have refused to acknowledge the letter (they have signed for) explaining my financial difficulties and offering token repayments (£20 pm) on the debt (c. £540 inc. interest). Yet they CONSTANTLY pester me, 3 letters, countless phonecalls and multiple emails, claiming to have added over £100 to my debt in interest and fees. Can I 'force' a payment to them via standing order and then claim de facto acceptance of my repayment plan offer in lieu of a response or would I better formally complaining at their failure to respond to a letter I know they have citing my difficulties to repay? Cheers!

[Maggie251]

Hello,

I am having problems with them too. I have emailed several times asking for them to set up a repayment plan and constantly asking to set it up asap so that I can pay £125 as my first payment but still nothing.

All they have said is.... log on to your account and request a payment plan that way, we are unable to set them up over email. However, when I log in, there is no option to set up any payment plan.

Have you tried emailing collections@wonga.com and debtmanagement@wonga.com they do eventually reply although tend to totally ignore what you're saying.

[renegadeimp]

You dont need to ask their permission. Just get their bank detail,s use your reference number and set up a standing order. Then simply tell them what you are paying.

[jamezon]

You dont need to ask their permission. Just get their bank detail,s use your reference number and set up a standing order. Then simply tell them what you are paying.

That's partially my issue, I'm looking to confirm what those bank details are if they aren't willing to respond to my letter.

[huggy41]

these are wonga bank details that i use for wonga just add your loan ref number to the tranaction.

 

Sort code: 200605

Account number: 43151468

[Amazinglyso]

Hi there,

 

You have already received some great replies already, yet did want to say that they can at their individual discression: accept payment installments if you have a letter from a legal representative, informing them of your financial hardship - the Citizen's Advice Bureau will happily do this for free.

 

 

I once fell into the exact same 'pay-day loan' trap as yourself whilst I was working, and automatically helped themselves to my bank funds after a failed repayment date. I was fuming at the time - had no

real idea that they could do this. There is a part of legislation on their website if I recall, where it clearly states that they will attempt to take loan repayments (on and after the due-repayment date) if the loan not repaid in full etc etc...

 

 

They took multiple payments from my account, that led to crazy bank charges!. I think before you do anything, such as make a repayment, if they have already taken money from your card, do not then use the bank details that Huggy has kindly provided you - you will then have to repay not just any outstanding loan charges, yet vast interest rates in one scoop. I once made a repayment with their bank details, and they still said I had not repaid the loan and gave negative credit score. They need to freeze any interest rates you cannot afford to repay on top of outstanding loan repayments, and why I strongly urge you to go along to the Citizen's Advice, who will do the work for you and protect your consumer rights at the same time.

[sillygirl1]

CAB are not much help normally with PDL debt, this is best dealt with by the tried and tested methods on this site, as well as a formal complaint to Wonga should they misbehave, and then followed through with the FCA.

[BankFodder]

Please have a look at the new FCA consumer credit sourcebook rules about this. - http://www.consumeractiongroup.co.uk/forum/showthread.php?426145-CONC-7.12-Lenders-responsibilities-in-relation-to-debt

 

It seems that Wonga are a disreputable company in a disreputable industry and we have seen today in the news how dishonest and predatory they are.

 

It is worth looking carefully at the CONC rules. They will turn out to be very useful if people become familiar with them and use them whenever they can.

[Amazinglyso]

That's a terrible shame - they helped me. The FCA definitely has significant consumer protection clout above that of the CAB, yet when I did write to them, they simply put me through to the CAB in th end.

[Amazinglyso]

I wish that when I had gotten myself into a financial mess with Wonga in 2012, the FCA had have taken the necessary action they ought to have done all that time ago! - I wrote to the FSA in 2012 yet they simply passed my complaint onto the Citizen's Advice team, who also advised me to contact the FSA - it was a roundabout circus at the time, that merely added to my own despair.

[jamezon]

my understanding would be if I don't make an attempt to pay that would only serve to undermine any future chat with the FCA..

Hi there,

 

You have already received some great replies already, yet did want to say that they can at their individual discression: accept payment installments if you have a letter from a legal representative, informing them of your financial hardship - the Citizen's Advice Bureau will happily do this for free.

 

 

I once fell into the exact same 'pay-day loan' trap as yourself whilst I was working, and automatically helped themselves to my bank funds after a failed repayment date. I was fuming at the time - had no

real idea that they could do this. There is a part of legislation on their website if I recall, where it clearly states that they will attempt to take loan repayments (on and after the due-repayment date) if the loan not repaid in full etc etc...

 

 

They took multiple payments from my account, that led to crazy bank charges!. I think before you do anything, such as make a repayment, if they have already taken money from your card, do not then use the bank details that Huggy has kindly provided you - you will then have to repay not just any outstanding loan charges, yet vast interest rates in one scoop. I once made a repayment with their bank details, and they still said I had not repaid the loan and gave negative credit score. They need to freeze any interest rates you cannot afford to repay on top of outstanding loan repayments, and why I strongly urge you to go along to the Citizen's Advice, who will do the work for you and protect your consumer rights at the same time.

[jamezon]

these are wonga bank details that i use for wonga just add your loan ref number to the tranaction.

 

Sort code: 200605

Account number: 43151468

 

Huggy,thanks. These are different from those on the sticky on this site...is yours a current/agreed plan with Wonga?

[citizenB]

The CAB are useful in some instances, but sadly lack the trained personnel to give really good advice in respect of debts. Now they have taken over pretty much all of the OFT work, then they are likely to be even more stretched by way of funds and staffing levels. If you have a complaint about the way in which Wonga have behaved, then a complaint should be made to the FOS

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?399260-Feel-that-you-ve-been-treated-unfairly-by-your-Payday-loan-lender-COMPLAIN-TO-THE-FOS!!

[fedup12]

Hi there,

 

You have already received some great replies already, yet did want to say that they can at their individual discression: accept payment installments if you have a letter from a legal representative, informing them of your financial hardship - the Citizen's Advice Bureau will happily do this for free.

 

 

I once fell into the exact same 'pay-day loan' trap as yourself whilst I was working, and automatically helped themselves to my bank funds after a failed repayment date. I was fuming at the time - had no

real idea that they could do this. There is a part of legislation on their website if I recall, where it clearly states that they will attempt to take loan repayments (on and after the due-repayment date) if the loan not repaid in full etc etc...

 

 

They took multiple payments from my account, that led to crazy bank charges!. I think before you do anything, such as make a repayment, if they have already taken money from your card, do not then use the bank details that Huggy has kindly provided you - you will then have to repay not just any outstanding loan charges, yet vast interest rates in one scoop. I once made a repayment with their bank details, and they still said I had not repaid the loan and gave negative credit score. They need to freeze any interest rates you cannot afford to repay on top of outstanding loan repayments, and why I strongly urge you to go along to the Citizen's Advice, who will do the work for you and protect your consumer rights at the same time.

 

I suggest payment through internet banking it took days to show on account because they then have to post it to your account on their side.

[renegadeimp]

I suggest payment through internet banking it took days to show on account because they then have to post it to your account on their side.

 

Thats their problem though. Not yours. Once payment is made, your side of the deal is done.

[sillygirl1]

I am still baffled as to why Amazinglyso advocates going to CAB 'who will do all the work for you', whenever I've needed CAB they have been useless, (I suspect because I am not 'with children' and not 'that vulnerable'). You can deal with this yourself without having to wait for an appointment to see CAB (the local debt office has a four week non-urgent' wait list and a two week 'fast list').

 

This site has plenty of experience in helping people 'help themselves' get out of debt - in fact, I also believe that if you 'leave it up to somebody else to deal with' you will end up back in the debt trap at a later stage.

 

Payday loan has now become biig news, but the problems of the companies emptying people's bank accounts, generally ignoring guidelines (including their own 'organisation' guidelines) and being pains to deal with isn't diminishing.

[huggy41]

i have a payment plan set up with wonga i told them how much they would be getting and when all done by email.

all i asked of them was to put in writting that no interest or charges would be added to the account while on the payment plan.

needless to say they have not provided the email and there for not got my money nor will they i will waite for them to take me to court were i can prove i have been more than willing to pay it back and wonga have not accepted this.

[sillygirl1]

Sorry huggy41, but I think you should pay them money, then if they do take you to court you will have a much stronger case, again should they not cut interest etc, you have a great case for the FCA to deal with.

 

I don't think you can get out of paying them just because they don't confirm in email that your interest isn't being stopped.

[huggy41]

well bit the bullet and paid them i know what i owe and thats all there going to get

[Conniff]

Keep hold of any emails or letters they might send in future.

 

 

Perhaps they wanted all the interest they could get hold of in anticipation of the fine they will be getting after the enquiry.

[silverfox1961]

For those that think the FCA will act on your complaint well, forget it. They do not act on individual complaints and will refer you to the appropriate body (CAB, Ombudsman)

 

What they do is collate all complaints and when they reach a target of complaints in a specific time, they may investigate.

[jamezon]

This thread has diverged a bit so just thought I'd do a little update. Nothing by way of a response from Wonga, just occasional "you are accruing charges" emails. Have now complained formally to them, no response after a couple of weeks. Have promised to make payment this payday if they don't respond by then and complain to FOS if no response in 8 weeks.

[jamezon]

So we are 3 weeks after my formal complaint letter and today I have made the first payment directly to their bank account as advised. I would note yesterday (coincidence?!) they sent me an email 'notice of intention to register default' and today they have sent an email saying my debt has been passed to Moorcroft. Surely this is an inappropriate action if they have not responded to either my original letter, my complaint, and continue to disregard my demand that all communication be by letter? Am I ok to continue paying them meantime until they address my complaint directly and disregard communication from Moorcroft if forthcoming? Thanks.

[Conniff]

So we are 3 weeks after my formal complaint letter and today I have made the first payment directly to their bank account as advised. I would note yesterday (coincidence?!) they sent me an email 'notice of intention to register default' and today they have sent an email saying my debt has been passed to Moorcroft. Surely this is an inappropriate action if they have not responded to either my original letter, my complaint, and continue to disregard my demand that all communication be by letter? Am I ok to continue paying them meantime until they address my complaint directly and disregard communication from Moorcroft if forthcoming? Thanks.

 

As long as your have a record of payment ie bank statement then yes, keep paying them.

[jamezon]

So we are 3 weeks after my formal complaint letter and today I have made the first payment directly to their bank account as advised. I would note yesterday (coincidence?!) they sent me an email 'notice of intention to register default' and today they have sent an email saying my debt has been passed to Moorcroft. Surely this is an inappropriate action if they have not responded to either my original letter, my complaint, and continue to disregard my demand that all communication be by letter? Am I ok to continue paying them meantime until they address my complaint directly and disregard communication from Moorcroft if forthcoming? Thanks.

 

 

So I have today received a letter from Moorcroft, giving me 7 days to pay/agree to pay.

However, as expected the amount is far in excess of the original borrowing/interest (£684.34 vs. £514.99).

I wouldn't refuse to deal with Moorcroft as a point of principle but I would not entertain the false value.

 

 

Should I write back to Moorcroft explaining I await Wonga handling the situation as per my complaint or is it legitimate to ignore them until I get a formal response from Wonga? Thanks.