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.
I took out a loan with Wonga on the 19th February for £200 to repay at the end of February. I believe it to be paid and leave it at that. I get an email today and they claim that I missed the payment and they have taken £100 from my account and claim I still owe them the original £200 plus extra interest!
Are you saying you have definitely repaid the loan?
Do you see the repayments in your bank statement?
If so, immediately cancel the direct debit.
Contact your bank, or better yet, go into the bank, and request that the bank put your money back into the account under the direct debit guarantee scheme.
Take all your documents and statements to prove Wonga should not have taken the money and insist the bank do as you ask. They will likely not want to do it but it is your right.
It will then be up to the bank to get the money back from Wonga.
I would then send a letter to Wonga by recorded delivery stating your position, which is you have paid up (quote them the dates of the transactions and their values, and that ought to be the end of it.
Wonga - please help
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