Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
    Basic Account Holder Zhank Novitiate



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    Default Wonga taking more than agreed

    Hey all,

    Basically, I took a Wonga loan out a while ago and thought it was paid back successfully however I started getting notices through that it hadn't. The original amount I took out was 150, 80 days later they are asking for 650 which I didn't have. So I phoned them up, explained the situation and we came to an agreement that I will pay back 100 this month, then 220 the next two months. Bringing the total repayment amount to 540.

    This was still extortionate but I preferred the idea of just getting it behind me. I double checked we agreed on 100 and got him to confirm.

    A few days later, they took 100 from my bank account in one charge then another 130 on the same day? Can they do this and leave me in financial issues after we came to an agreement? (foolishly not in writing it seems).

    I'm temted to phone them on Monday (of course they don't operate good Friday, nor the weekend =/) and tell them that as they took a different amount than we agreed upon and that it was over the original loan amount that the matter is considered settled? Do you think this has any chance of working?

    Any advice is appreciated - it's not that they took more than they should, it's the fact they took more than agreed and left me unable to pay some other bills this month which they were fully aware it would do.

    Thank you!


  2. #2
    Basic Account Holder EBOY Novitiate



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    Default Re: Wonga taking more than agreed

    Ok, forget about phoning them log on to here
    FLA :: Consumer finance :: Consumer complaints

    make a complaint telling them your story. Point out that they have left you within not enough money to cover "essential living costs" which contradicts the FLA lending code.

    Did the letters come from Chainey, D'amato and Shannon?


  3. #3
    Site Team Ell-enn Highly authoritative Ell-enn Highly authoritative Ell-enn Highly authoritative Ell-enn Highly authoritative Ell-enn Highly authoritative Ell-enn Highly authoritative Ell-enn Highly authoritative Ell-enn Highly authoritative Ell-enn Highly authoritative Ell-enn Highly authoritative Ell-enn Highly authoritative Ell-enn's Avatar



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    Default Re: Wonga taking more than agreed

    While ever Wonga have your card number they will dip into your account any time you feel like it. People have had their accounts cleared out by them in one day. Report your card damaged to the bank and ask for another one - that's the only way to stop them. You can then arrange to send them payments by post or by standing order.


  4. #4
    Basic Account Holder Zhank Novitiate



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    Default Re: Wonga taking more than agreed

    EBOY: Thank you, I think I'll do that! Yes those letters did indeed come, up until the letter before actionicon they sent me.

    Ell-enn: That will be a big inconvenience, is there nothing else that can be done to prevent them dipping into my account? My bank advised me that after contacting the company I can fill out a Visa dispute form but I'm not sure that'll get anywhere.


    Thanks for the replies!


  5. #5
    Basic Account Holder EBOY Novitiate



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    Cagger since : Apr 2006
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    Default Re: Wonga taking more than agreed

    Zhank,
    Add to your complaint that the solicitors letters are adding unnecessary pressure as you are aware that no-one can find these solicitors.


  6. #6
    Basic Account Holder Ceri Thomas Novitiate



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    Cagger since : May 2011
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    Default Re: Wonga taking more than agreed

    I've been having a similar issue to this with payday express they have been chasing money off me by phoning my work place ever few days although the debt was officially cleared over 2 weeks ago now, i no this is an old thread but I'm just going to say what ever the OFT have been doing over the past years has not stopped, payday express or wonga from carrying on with their ways.

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