Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Hi all, this seems like a great community that can help me!
Basically on the 23rd February I needed £200. So I got a wonga loan just until I got paid on 26th February. I needed to repay £211.63. That was fine, 26th of February came and I checked my bank to find out Wonga had taken TWO payments of £211.63 out of my account. Furious I contacted them to speak to the supervisor he appologized and said he would refund the payment in the afternoon. So they did BUT apparantly (I didn't know) they credited my account with TWO payments of £211.63. I didn't even know until I just got a call from Tariq of the fraud department today saying I have to pay it back at the end of the month!! He also said it will affect my credit as an outstanding debt!
Surely I have rights, as this was not my fault. I personally do NOT have £211 to give them at the end of the month and I told him this, which he replied "Well you spent the money".
This will probably end up being hard work. If they they have given you the money they will want it back. However if paying back in one go is an issue you will need to 'lose' your debit card as they will help themselves without telling you. They may even take more to cover their costs.
They are rude and you have had experience of their attitude. I would offer to pay it back in instalments that you can afford. As this was an overpayment by them I doubt any court in the land will let them add interest etc. I would be quite forceful in writing to them.
I doubt they want to deal with this in court. Oh by the way I would complain in writing and state that only a reasonable/acceptable reply will stop you complaining to the FOS.
Many thanks, so you suggest writing a stern letter stating I will pay back in instalments?
The only problem with this, would it affect my credit as an outstanding debt (even though it was their fault). I am 20 and am building my credit for a bank loan to start my own internet buisness. So any mishap will delay this even further than need be.
I appreciate your time for replying.
PS- Would anyone reccommend lieing and saying I had direct debits on that day and because they took the money out twice in the first place I owed bank charges. Or can they check that out.
I would stick to the truth. In any event they won't be interested in any hardship (even if it was true!)
As for your credit file you could request a copy and check that they have not recorded any adverse info. You can of course make it a condition of paying them back.
I have checked my online experian credit file and nothing has been recorded so far.
However if I decide to pay them in instalments can they class this as outstanding debt? I currently am £0 in debt and never plan to be! Plus as I was saying about getting a buisness loan this would delay it.
Wonga Loan - Credited my account twice
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Re: Wonga Loan - Credited my account twice
