Thankyou, I will start a new thread on this. Not sure how this site wrks yet as only been on a couple of times.

Hi, I am just wondering how you got on? I am in the same boat as you, have just posted my thread on probably the wrong page but am here now, so here goes. I am disabled with MS. I have my disability benefits paid direct to my bank. Yesterday I realised that I would not have enought money this month to repay wonga. It was too late to do anything about it last night, so i thought i could sort it out today. My benefits were paid to my bank account last night and before i had a chance to try to sort anything out, Wonga took every penny out of my bank account, even went in to my overdraft facility , which I never usualy use. They even sent me an email to tell me that they would be attempting to take £95 plus £10 administration charge plus accruing interest on 1st Feb which is this sunday. They have also now left me in debt to my bank for £119, which just now makes the matter worse. I do not get any more money now untill 28th Feb, so they have really left me high and dry. I can only assume that when they could not get the £655 they should have got pais, they must have just kept trying different amounts untill they had obtained all that the bank would allow. I am in a state now. good advise would be usefull. Should I now say my debit card is lost to my bank to prevent them trying again and write to them to offer to pay the £95 next month. Does any one think this would be acceptable to them.

Hi, I had a loan from wonga and got in the same situation as many, paid back then had to re borrow as it kept on leaving me short. Had a problem this month and did not have enough in bank to repay them. I only realised it yesterday so never had time to contact them. I am dissabled so my benefits are paid straight in to my bank account. Got a shock today, went ot check my bank account to find it EMPTY and in the red. Wonga had got there first thing and taken all of my money, even gone up to my overdraft limit. I also had email from them telling me that they are going to try to take the remaining £95 plus interest plus fee's on 1st Feb. They have left me with NO money for the next month!!! What do I do, I am pulling my hair out with worry. I can not get any more money until the end of next month. Are they going to just go and take it all from me again then. HELP!!!!

Thanks, Well, I saw no point in arguing any more, I found it mentally exhausting fighting with the big guys, but at least it shows people that it is worth a bit of a fight. If I had of hung out for more I may of lost totally and I could see no point in that, so just cut my losses. Cheers Jackie

Hi all, Well I have some good news at last. I have just had en email from Click Finance and they are offering me £1000.00p as a gesture of goodwill. I have decided to accept this as it will not leave me far short and I never expected Click or Blemain to pay anything back. I hope others of you have some good news too shortly. Have a wonderful bank holiday. all the very best to you all jackie

Hi All, No news to report. I wrote to Click and blemain what seems like weeks ago now. As you might expect neither of them have had to politeness to even reply. Like others I have had letters from Blemain offering me more loans, as if I would ever think of even using them again. I will have to figure out where to go next if I do not get an answer from either of them this week. Getting really fed up with it all now. Cheers, have a good day. Jackie

Hi groovycaz, Thanks, not had a reply from any one yet. I exspect they think they have won. My loan agreement definaetly states in the breakdown of cost, "Payment Protection Insurance premium". I did try to make a claim in January 07 as I had an operation on my foot and it had to be broken, I was in plaster for 8 weeks and still have to take pain relief and put up with swelling etc. Consultant said it would take about 12 months to heal properly. I got told by Blemain when I rang them to enquire that I was not coverd for this. I never knew why !!!! I have been off of work now since 12th January. I have had to put up with being told so far that: I AM NOT COVERD FOR THAT! I HAVE NOT GOT PPI! I WAS SOLD LIFE INSURANCE ONLY! May be I am getting confused now, but how can they keep changing their minds about what I was sold. Surely if my agreement say I was sold PPI, then that is what I was sold. Speak later Jackie

Thanks:) Speak soon Jackie

Hi Midge, Just written another letter to Click. I have expressed the point that I never knew what exactly they were selling to me. I also pointed out another problem which may make them sit up and re think. I am dissabled and in order to obtain life insurance the companies normaly require medical evidence from my GP before they will insure me, then they tend to add on a bit extra as I am considerd a high risk. It seems that click never enquired as to if I had any pre existing medical conditions and this life cover would NOT have ever paid out if I had popped me clogs. It excludes existing medical conditions. I think I can assume that the company should have asked a few questions before selling it to me. That is apparently a definate miss selling of a policy, but now to prove that as well.They get you tied up in knots and everything is always there way. so frustrateing. Oh it gets so complicated, it is driving me mad. I get bad headaches just thinking about it and I can not sleep. The guy I am dealing with is on hols this week so will have to wait till he returns for a reply ni doubt. May be I should have adressed it to the MD. Speak soon jackie

Hi, Got me head back together:) I know you mean the Financial ombudsman now. Too early in day for me to get my head round stuff. Just finished hoovering and stuff, so not with it yet. They did write to Click with regard to the miss selling of a PPI. But now Click are basicaly saying that they sold me a life cover, or from what I can make of it, and to my way of thinking that is Not the same as a PPI. Apparently they sold me with my knowledge a PPI which only covers us in the event of our death. It was only to give us 3 years cover as well. So we payed £2,142.00 for that. I assume this was for £25000 worth of cover. If you divide that by 3 years that means we were paying £59.50p per month for cover. Compare that to my normal life cover for which we pay £40 per month for £90,000.00 worth of life cover, you will gather that what they claim we had was extreemly expensive. I also can not understand why if it was only life cover they did not place it with a normal insurance company in the normal way or just tell us to up our existing cover. What person in their right minds uses a PPI for the purpose of just life cover. That to me is not a payment protection plane. Hope that makes sence. I am going to write them a letter I think stateing just that.

Thanks, Nice to have some one to discuss it with, some times you feel like you are alone in these things and that makes you feel down! Not sure what the FOS is now, getting a groggy head with it all. Have they got a web site and if they have where is it? Will ring them. I still want Blemain to settle their huge redemption fees, but do not know how to handle them now either. Wondering if I should use a no win no fee firm to sort it. Jackie

Fed up with it now and feel like giving up. No matter what I do or say it seems to me they will twist it in their favour. Any advice? Jackie

Hi All, I got a letter from Click finance yesterday. They say they are unable to uphold my claim against them as I agreed to the life cover they sold me. Funny thing is that my loan agreemene does not say anything about life insurance, it says PPI. I did not know they were the same thing. They sent a copy of a form which they get every one to sign, It just says at the top, Ensuring your policymeets your needs. It says I ticked a box to say I have retained a copy of the policy summary, but where is that then? Never seen it. If I was purchaseing life cover then surely it would have been with a proper insurance company as are my normal life insurance policys. Seems to me it is another cop out

They did but said they need to look at thir original paperwork. They are supposed to get back to me again in the next day or 2 they can not see a problem

sorry Groovycaz, spelt your name wrong:???: Blame stress ETC !!!!!!! :grin: