I had a wonga loan of £500 about 18 months ago and got in a financial mess. I could not repay them. I now have a threatening letter from thiere legal team demanding £1800. I have made them an offer of £10 per month which will kill me, but what I want to know is where this £1800 comes from and can I dispute the figure. If this is interest then I am shocked to the core. Can I make them reduce the interest as this is more than a little obscene.

Hi, yea! Copies of bids I could not possibly have made. 1. I was on holiday, 2. It was Christmas day and I was away. 3. I was in hospital, to name but a few of the bids apparently placed on my behalf by a zinga bidding agent.I was not aware they had bidding agents and certainly never instructed one to bid on my behalf. tried telling the bank, Barclays that i had made no such bids, but they say they have the evidence to say I did from Zinga. That is the computer generated copies of supposed bids made from my computer. HUH!!!! Anyway, it means that the bank reinstated the money to Zinga then came after me to pay it back to the bank. In other words the bank debited it from my account again. (the bank had refunded it to me after i placed a formal complaint stating that it was an unauthorized debit.) At that point I gave up, I could take no more. So ZINGA WON!!!!!!! Cheeky beggers now keep emailing me to tell me I have won auctions. Are they having a laugh or what! I have not been on their site since last October when all this kicked off. So how can I have won auctions?? And again the auctions I am supposed to have won are for things i certainly would not buy not at my age. I'm no spring chicken.and certainly do not need a nintendo thing or any thing else of that nature. Time some thing was done about these guys, but seems there is nothing any one can do. I have tried complaining to every one and no joy. If any one does know how to get your money back from these [problem]mers I would love to know.

Hi, I ended up having to pay the fee's. My bank returned it to me twice them took it again. The bank sent me a load of copies of my apparent transactions with Zinga, some uneligable. They even claimed I had been on there site and placing bids when I was away on holiday. NOT!!! Apparently they were automatic bids, made at all odd times of the night and day on many occassions. According to Zinga I authorised these automatic bids. Strange thinga was that they were bids on things that I would not want in a million years. End of the day I paid them and that was that.

Hi Nakeshia, I did cancel my debit card and got a new one. Barclay's informed that they can still get the money as only the last 4 digits or the long card number are different and because of the way this continuous payment is set up , Zinga don't need any more info to get at our money. I know how you feel we are still both in the same boat. As to the live chat thing. Don't trust what they say to you. seems other people have been fooled by the so called promises made on the live chat thing. Don't you think it odd that it takes so long for Zinga's system to cancel you membership, convenient I would say! Please keep us informed of any more developments. I will do the same but so far I am getting no where. Try not to dwell on it, I know how frustrating it all is but we can not let it get us down. Sorry to bear such bad news.

I tried the chargeback thing with Barclays but it did not wash, the were having none of it. but I am getting it sorted through Barclays now one way or the other. Glad you have reported it to watchdog as well, the more the better. It has left me i a terrible mess now for the next month, It has caused all my payments for normal things to bouce and I have now incurred a £8 bank charge for each one making a total of around £48 in charges on top of the £59.99, it puts you in an esculating situation if you are like me and count every penny and have only enough in your bank to cover normal bills. Hope that makes sense. Any more developments please do let me know. I want to see Zinga stopped. Enjoy your weekend best you can. By the way have you got snow as we have loads of it here in Shropshire.

If you get any emails from Zinga telling you that you have won i Pod's etc please IGNORE them, delete them. It appears to be another one of their little games. People are claiming that they pay zinga for the supposed ipod and extortionate p&p and then nothing ever turns up. I get these emails regular from them now. BE WARNED !!!

Hi Nakeshia, I did contact my bank in December, They put me in touch with their fraud department who are still investigating it. The bank put a hold on my payment of £59.99 and the bank returned it to me. yesterday I checked my statement to find that it had gone out of my bank account again causing me to become overdrawn. I telephoned the bank and they informed me that they had taken it back as I had forgotten to sign and return one of the forms they sent to me. (this was yet another from from the card services department.) I overlooked it as I had 3 letters containing forms all at once. Anyway I yesterday returned the form to the bank and they said I have to wait 10 working days for them to consider returning the £59.99 to me again while they continued with the investigations. As the bank wanted evidence I went on the internet and printed off some of the complaints about Ask Zinga.com. which I found on line. I sent them a whole pile of them. The bank also at my request have sent a letter of what ever to ask zinga's bankers requesting that they cancel the continuous debit. They have 31 days to comply with this. the bank said if after 31 days they take any more then the bank will become liable and have to pay me back. I suggest you contact your bank, tell them that you want to speak to CARD SERVICES and the FRAUD department., I am with Barclays bank. Explain that you DID NOT authorise this transaction. and that you were totally unaware that this company were charging your account. Be very institent with them. tell them that this is theft from your account. Tell them you want a cancellation put on this continuouse debit by this company from your account. they have to do this. I have learnt from other people that canceling this with Zinga and paying a cancelation charge does NOT stop them, many people have said that they still take the money every month. I have reported them to BBC Watchdog and the BBC One Show. P'haps you could do the same as the more of us that do put in a complaint the more likely they are to try to do some thing to stop this. Let me know how you get on, we all need to stick together on this, we are not the only ones. I expect their are many more of us out there that have not spoken up yet.

Hi, I got my PPI back or at least a part of it from the financial services compensation scheme. It took about 4 months for them to sort it out. They had to do their own checks and write to Blemain Finance etc. They only give back a percentage of what you actually paid, I think it was 80% so you loose out a bit. But that is better than nothing. I understand that you also have to pay tax on what you get back. So my accountant had to be informed of the amount i got. This seems a bit unfair to me but apparently it is the way it is. has to declared to the tax man. The tax man is very good at taking money that you have already paid tax on when you earnt it. LOL.

Looks like the easiest way is to close the bank account and open a new one. What a pain.

Not sure if I am allowed to name and shame them on here. But they begin with the letter "B". I am sure you can guess who they are.

I have spoken to the bank again today. No joy. They say they can still debit my account every month with £59.99 as they have set up a continuous debit card payment. This I had no idea about. The bank say to wait until the amount shows on my bank statement, then telephone them and they will see what they can do. They said if they cancel the continuous debit card payments before that, then I will definitely loose my £59.99 but if I wait until it shows then ask them to do a charge back and then cancel the payments to them. Then if after 31 days if they take any more payments the bank will have to refund them to me. All very complicated.

They also send people emails telling them they have won things, eg, free ipod shuffle, then apparently take a lot of money from your bank for p&p. I got one of these emails myself this morning but have ignored it.

Yes but it should let you know that this will happen before you sign up to the site. if a certain other site suddenly put this in their terms and conditions and started to take money from you for nothing you would not be very happy. Also they should send you a bill or invoice or some thing before they take it to let you know when itc, they don't!! they claim to send them but you never get them and you have no idea when that money will be taken form you.

I will talk to them about it next week when they re-open but do not hold out much hope. They have already said they can not do a charge back or investigate it as from what they can see I subscribed to a subscription service. Well, That is the banks opinion. As much as any thing else i want to warn other people about this Ziinga.com.

There was NO written communication of any description of when or how much they were going to take. I will ask at the bank on Wednesday when they open about doing a charge back, they never suggested that when I spoke to them..