Hi all I have a question regarding irresponsible lending.

I had a massive amount of loans from 2011- 2014 with them. I tried getting my full my previous loans from the site however. I have checked my email account for all confirmed payment emails.

£294.51 on Fri Mar 25 2011

£338.64 on Fri Aug 26 2011

£186.17 on Tue Sep 27 2011

£254.14 on Thu Oct 27 2011

£74.54 on Fri Dec 23 2011

£432.64 on Sun Feb 26 2012

£383.84 on Tue Mar 27 2012

£298.34 on Fri Apr 27 2012

£176.97 on Sat May 26 2012

£305.90 on Wed Jun 27 2012

£404.59 on Fri Sep 28 2012

£1377.68 on Sat Jan 26 2013

£198.15 on Wed Jun 26 2013

£726.60 on Fri Jul 26 2013

£551.16 on Mon Aug 26 2013.

£1276.99 on Sat Oct 26 2013.

£1297.10 on Wed Nov 27 2013

£1052.27 on Fri Dec 20 2013.

£1357.43 on Fri Jan 24 2014

£581.33 on Wed Feb 26 2014

£1164.50 on Tue Feb 26 2013

£122.15 on Mon May 27 2013

£1357.43 ON Fri Jan 24 2014.

£112.89 ON jan 24 2014

£581.33 on Wed Feb 26 2014

Total = 14907.29]

I have just sat down and worked this all out I am and really angry with my self for being so stupid.

this is a base figure but I seriously need some advice on how to claim back from Wonga and irresponsible lending to me.

my loans rolled over for multiple months and I did email them at one stating I was having financial difficulties I have email references etc - I borrowed the funds from my family to clear down.

Things just spiralled out of control. I have a young family and these things just kept on piling and piling on.

I finally managed to escape them.

How ever I feel my circumstances were never considered and my account was never reviewed fully. I tried to apply for one again in just after the one in feb 2014 when I was struggling but I think Wonga had finally reviewed my case and deemed that it had gone against responsible lending and refused me.

Can anyone give a step by step procedure.

I would suggest you have a read round other Wonga threads to see how they have dealt with a claim against irresponsible lending.

It might be worth obtaining a SAR - Subject Access Request from Wonga. Also get copies of your credit files from around the time you were borrowing from them to see if they had been doing even the basic of credit checks.

The figures you have posted above - are these the loans you took out ? If so, it pretty much identifies that you were borrowing to repay the previous loan !

There are some information threads in the Pay Day Loan forums which will provide some basic steps you need to take before progressing.

Hi

I agree with CitizenB. Definitely a SAR to Wonga but you may need to do the same for the credit reference agencies as the £2 statutory report or the free ones from Noddle and Clearscore won't show much info going right back to the beginning.

Based on the above amounts, these are the amounts paid back. How many times were they rolled over? At the time Wonga loved this practice as it was basically 'free' money to them.

Getting accurate figures is a must as well as all the account info.

Once you have all these, you can work out when it should have been realised that you were in financial problems (if that was before you told them)

If you go to the financial ombudsmans decisions page there are loads of complaints. Have a read of some and see if any of the decisions are similar to yours.

http://www.ombudsman-decisions.org.uk/

http://www.ombudsman-decisions.org.uk/viewPDF.aspx?FileID=43742