Hi Renegade My account was set to default on 1st May 2013 with a balance of £275 - 28 days before my last payment of £275 was due, and the balance is now marked as satisified in experian. I had met all the payments of my plan in full and on time before this. Do I need to make the formal complaint via Wonga, or a third party? Pretty gutted to be honest, after I thought I had conquered my payday loan nightmare.

Hi RenegadeImp I took the loan out on 28th December 2012, and negotiated the payment plan on January 28th 2013. Payments Feb 28th 2013 - £402.39 March 28th 2013 - £402.39 April 28th 2013 - £402.39 May 29th 2013 - £275 I did not receive any default notice from Wonga. In fact they assured me over the phone it wouldn't count as a default if I met my payments. Thanks for your help!

Hi I took out a payment plan over four months with Wonga which I met on time, and have now settled the balance. Unfortunately, Wonga has decided to mark this loan as defaulted on my credit report, despite the agreement of a payment plan, and the subsequent meeting of payments. Do I have grounds to question this default?