I was looking at my credit file with regards to another debt i have had a lot of help with on here and discovered a default i did not recognise from quickbridge, who i have never heard of before now. i have a default from another company (gothica) which is for a wonga loan i took out and for some reason my final payment on my payment plan passed to them. The amounts for both these defaults is identical and im assuming that they are for the same loan. so my question is what do i do? i have a similar problem with multipile companies chasing me for a quick quid debt but i have never been chased by quick bridge. I am due to be paid on monday and had planned to pay this debt in full as it is only 90 pounds thats outstanding on it. should i contact wonga directly? or send quick bridge a letter saying that i have never heard of them and how can i owe them money?

I really wish i had never got involved in payday loans!

Edit to add: in the payment history bit on my file for the quick bridge one it also says that i was on a debt management plan for two months, which i was not. should i be worried about this?

Sounds like theyre trying to screw around to make it look like it is justified.

Im so fed up with all this mess with payday loans, the ironic thing is this mess is all because i want to pay them! In a way i wish i had just kept ignoring them

I was looking at my credit file with regards to another debt i have had a lot of help with on here and discovered a default i did not recognise from quickbridge, who i have never heard of before now. i have a default from another company (gothica) which is for a wonga loan i took out and for some reason my final payment on my payment plan passed to them. The amounts for both these defaults is identical and im assuming that they are for the same loan. so my question is what do i do? i have a similar problem with multipile companies chasing me for a quick quid debt but i have never been chased by quick bridge. I am due to be paid on monday and had planned to pay this debt in full as it is only 90 pounds thats outstanding on it. should i contact wonga directly? or send quick bridge a letter saying that i have never heard of them and how can i owe them money?

 

I really wish i had never got involved in payday loans!

 

Edit to add: in the payment history bit on my file for the quick bridge one it also says that i was on a debt management plan for two months, which i was not. should i be worried about this?

Contact the company who has registered the default and find out why it's there first, for a start if you wasn't on a DMP then the information they've provided to the credit agency is false and will need to be removed quickly otherwise they're not following the data protection guidelines.

so should i contact the two companies that have the defaults? or contact wonga directly?

WHich ever company name is on your CRedit file is the company you need to contact. Also check that they own the debt, as if they have placed the default there and do not own it, then you can get the default removed and get compensation.

they cant both own it so how do i go about that? trying to get this sorted today as i start uni tomorrow

If its for the Same debt, then pop a thread in the Credit agencies forum, or PM brigadier. He's really good at creating letters to the right people to get the ball rolling. As for getting things sorted, it could take days or weeks to get it removed as you have to follow due process. Sometimes in rare cases, it takes a month or two, as the companies involved can be reluctant to follow the law.

I am fairly confident its the same debt should i call them to make sure? I will start a new thread there then. I know what these companies are like, i have been fighting another two for a similar situation for months now

If you want to check, its a better idea to contact the Credit agency, as a lot of the time, PDL's will lie.

Ok i will do that then thank you

I thought I would start a new thread since the original one is huge now and my post would probably make no sense in the context of the current discussion.

I was one of the people who received a letter telling me I would be getting compensation for the illegal letters thing from Wonga. I filled in their online form and waited for a call to confirm my details since everything but my name has changed since I had dealings with them. Months on I finally got the call yesterday and confirmed my old address etc.

The woman on the phone said she cant give me specifics or a time frame but I will be getting compensation, I just have to wait on the letter coming in the post. Given the length of time it has taken to get to this point I am guessing it will be a while but I said I would keep everyone updated and this is the only update I have.

How is everyone else getting on with theirs? anyone actually got their money yet?

I initially received a letter saying I would receive compensation, then a couple weeks ago another letter saying they'll need 12 more weeks, so I certainly won't be holding my breath:-)

Oh I got my initial letter from them ages ago, I have been assured it will come through but they cant/wont give me a timeframe I just have to wait for a letter. To be honest I am not that fussed about waiting because its money I never expected to get from them.

Received a letter last night. I've been offered £50 as a settlement or I can have the case looked in to further (you need to supply why you've been affected, reasons etc).

Just going to accept the cash and leave it as that.

I got my letter this morning saying I am being offered 70 odd quid, or as you say I can have it looked into further. I am not doing anything until I double check no funny business is going on on my cra file because I just don't trust Wonga at all, or the companies that collect for them.

Just to finish this off with an update saying that I received my 70 odd quid and nothing has changed on my credit file or anything like that Wonga is still marked settled (although it never was). Although it took a long time, the process was painless and I got 70 quid back that I never thought I would see again so I am quite happy with how things worked out.

Thanks for the update and glad you got a good result.

I hope you don't go to Wonga or any other pdl again, although at least they're capped now.

Thanks to the help of this forum and cleaning up my credit file I wont have to go to one again, I like most other people who use them had no choice due to not being able to obtain any other form of credit, seriously a £200 overdraft at the time would have solved a lot of my problems but I couldn't get one and had to pay the rent somehow while off sick from work. it was a desperate time for sure but I have learned a lot from it, especially from these forums.

Pleased to hear it. Might be worth saving a bit with a credit union if you can, them if anything like that happens again you've got a bit put by, and most likely access to a cheap loan.

Yeah, I am a student nurse so as soon as I finish uni in September (hopefully I pass) I plan to join the NHS credit union. Hopefully by that point I will actually have money to save!

Didn't know the NHS had one. That's great. Good luck with exams and whatever else you need to pass.

It might just be NHS Scotland, I am not sure but we definitely have one. Thank you, I have two essays due tomorrow so I need all the luck I can get right now.