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?

Hi dave. Can you tell us the date the payment arrangement was made, and the date the closing payment was made. Also, what was the date wonga put on there, and did they send any kind of a default notice before doing so?

Also, what was the overall time you had the loan, from receiving the money, to the final payment? And how long from receiving the loan to the payment plan being accepted?

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!

Sounds like you can contest the default. However, the problem you will have is you spoke to a phone rep and you dont have any evidence of what was said.

In the first instance, i would write down everything you can remember about the loan, right from the start, then form a full complaint.

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.

I would make it direct to their data controller and place a dispute with the credit record agency. Wonga will try and say it is fair, but it isnt. Especially when we have a lot of people on here who go 6 months + and no default is registered.

Hi I was just wondering how you got on with this?

I will be negotiating a 2 month (or 60 day) payment plan this month on the 25th (payment is due 28th), I have called them to ask if this will be marked as a default on my credit file and the advisor has told me that they will not mark a default within the 1st 120 days of the due date, if you have not settled within 120 days they will default me, it will just show as late payments untill then so I should be fine.

However you say they marked you as delfault after 90 days???

This worries me! Did they remove the default for you in the end?

My plan will be as follows £500 28th Sept

£500 28th Oct

£270 28th Nov

So as you can see it will be settled within 2 months of the original due date.

The fact any mark is on your file from a bad could look bad in a lenders eyes. Thats why most pdls dont report to the files unless they ate blackmailing you when you are trying to repay.

Hi, does anyone have any further information about this? I am also in the same boat...

Hi hits555.

Can you start a new thread with as much info as you can about your situation? THat way we can give specific advice to you and not get it muddled with other peoples