Wonga repayment plan given me defaults?

[terley]

Hi guys,

 

I hope this find's somebody well and they can assist me in some way shape or form.

 

I have never really given my credit much of a thought but never had the intention of just ignoring debts. I had a slight issue with Wonga over the past few years ending in around 2011-12 were i was borrowing roughly £1100 per month paying it back on pay-day and then re-borrowing.

 

I ended up getting into a bit of a mess that i couldnt pay them back so i entered into the wonga repayment scheme after contacting them. I have done this twice now in past and now im pretty much completley debt free apart from a car finance that is up to date and will be paid off in a year.

 

The main issue i am having is that i am refused credit for everything. I have 2 defaults against my name from wonga. Is is right that i have these defaults on my account even though i had never missed a payment with them and they were paid off in full?

 

It seems slightly unfair that i am stuck with poor credit given i never missed a payment date.

 

Is it something i can look into getting reversed if i contact xperian or wonga? I really want to improve my credit but im refused on everything even vanquis! even when i am earning over £34000 a year!

 

Help

[terley]

sorry i posted this in the wrong section, I will create one in the correct section :O

[terley]

Hi guys,

 

I hope this find's somebody well and they can assist me in some way shape or form.

 

I have never really given my credit much of a thought but never had the intention of just ignoring debts. I had a slight issue with Wonga over the past few years ending in around 2011-12 were i was borrowing roughly £1100 per month paying it back on pay-day and then re-borrowing.

 

I ended up getting into a bit of a mess that i couldnt pay them back so i entered into the wonga repayment schemeicon after contacting them. I have done this twice now in past and now im pretty much completley debt free apart from a car finance that is up to date and will be paid off in a year.

 

The main issue i am having is that i am refused credit for everything. I have 2 defaults against my name from wonga. Is is right that i have these defaults on my account even though i had never missed a payment with them and they were paid off in full?

 

It seems slightly unfair that i am stuck with poor credit given i never missed a payment date.

 

Is it something i can look into getting reversed if i contact xperian or wonga? I really want to improve my credit but im refused on everything even vanquis! even when i am earning over £34000 a year!

 

Help

 

[dx100uk]

threads merged to the Wonga forum

 

 

dx

[dx100uk]

if you entered into an arrangement

then sadly yes they can mark or default you.

 

 

dx

[havinastella]

But I would suggest, only once!

[i hate bailiffs]

Yes it is fair they put a default and mark credit file