Jump to content


  • Tweets

  • Posts

    • Documents arrived today dated 27th March.  This is a cc taken out a long time ago (2008) and they don't seem to have been able to provide a copy of a CCA agreement, just reams of print outs of lines of texts from old bank statements, default notices etc.   
    • Documents finally arrived today from PRA group.  New day have sent me lots of paperwork, copies of default letters and statements, print out of what looks like a CCA that would have been completed on online, IP address as signature.  This debt is not too old, so possible this is the true copy of agreement ?  Not sure what my defence would be beyond irresponsible lending. 
    • pers i wouldn't.. all you need to know is in the posts of that thread....that being section 127(3) of the CCA refers. if under a CCA return, the 'creditor' claims its a recon, it must not contain any details like a sig, tickbox, or typed name (whether you signed physically or by online tickbox) 1. those are not necessary in a recon, so why inc them? (faked??) 2, it cant thus be a recon!!, it must be a copy of the 'original' from the original creditor, not from a debt buyers filing cabinet. they shouldn't not be 'mixing' some original docs from the OC with crap from their filing cabinet, claiming its ALL a recon! because some of it is faked. just remember there are far more docs like NOA and a DN that are as equally important to a court claim of 'this debt is enforceable'. never rely solely upon the dodgy agreement argument.
    • India has thousands of small gold refineries which are facing more competition from big players.View the full article
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Wonga Repayment Plan


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3803 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi

 

This is my first post and am looking for a little advice.

 

I recently set up a repayment plan for my wonga debt of £1100.

 

The plan has been agreed and I have received the confirmation email of paying £120 over 10 months.

 

I checked my online account and the interest has been frozen and the plan is showing on my account,

 

however under the extend loan section it says the i have reached the maximum number of extensions and full payment is due on my original payment date.

 

Is this standard when setting up repayment plans?

Link to post
Share on other sites

Ignore it and pay the agreed plan by standing order. Do NOT use a credit card and do NOT use direct debit.

 

You have the agreement in writing, so if they breach it, you have full grounds to throw the account into dispute/deadlock.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

Did you get that confirmation in writing? From now on, you must get everything in writing, and NEVER use the phone to call them.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

I did get written confirmation!

 

I have a record of all correspondence with them regarding this from the first email I sent explaining my financial difficulties,

cancellation of CPA with both bank and wonga,

screenshots of the I and E form,

confirmation of plan from wonga,

screenshots of account once the plan had been set up,

confirmation of standing order set up etc!

 

I'm not giving them any room to screw me over!

Link to post
Share on other sites

Keep bombarding them with several emails a day until they get so sick of seeing your emails they see and send you an Income and Expenditure form you fill in online, and u can tweek figures where neccessary until the payment arrangement is to your needs then accept.

Link to post
Share on other sites

Hi,could I just ask,how did you set up your repayment plan? I need to set one up but am unsure of the most successful way to go about it.

Thanks.

 

I intially emailed them and got the standard email reply, I waited until 3 days before my repayment was due, filled out the I and E form online and it was set up in less than 10 mins! No need for phone calls and no hassle!

Link to post
Share on other sites

Secure your bank account , and stop worrying. If they refuse to reply, it's THEIR problem. Not yours.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

No. You must write to them and hand it in to your branch. We've had many reports of people calling their bank, but the debits still go through.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

Never phone the Creditor. Keep everything in writing, so you have full evidence of what is going on. You could email the bank, but you would need to make sure you CC it to yourself AND get a read receipt to prove they recieved it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

  • 4 months later...

Hi irishgal25

 

Just a quick question re your p/plan set up with wonga, I assume you went through wonga's online p/plan i & e but can see that you managed to set a standing order up with them, so does it give you the option to do this on the form and if not how did you go about setting the standing order up with them and did you tell them that you were cancelling the CPA and they were okay with this.

 

Any advice would be grateful.

 

Tinks

Link to post
Share on other sites

You tell the bank to cancel the cpa. Not Wonga.

 

If you have their bank details then you set the SO yourself. You dont need permission from wonga.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...