Hi,

I had a loan written off by Wonga in 2014 for their failure to carry out proper affordability checks. I was told this would be wiped from my credit file.

However, I have since found out that although it was removed from two agencies, it still exists on one.

I contacted Wonga and they told me that in actual fact, I defaulted on two loans at once (I don't understand how this happened, how I was able to take out two loans at once, but that's for another day). They wrote off both loans, but only removed the default from one.

I requested a statement of my account from the lender and had taken out 11 pay day loans in a two year period, some ranging up to £1,000 a time. On a number of these loans, I needed to take out a top up on the loan.

I have complained to the Financial Ombudsman that the nature of my borrowing history should have been a clear indicator that I was in financial trouble and that by ignoring that, Wonga have failed to act as a responsible lender.

I have also included copies of my bank statements which indicate that for that entire period, I was living in my overdraft.

Can anyone suggest whether this is likely to be a successful approach in removing the entries from my credit file?

Reposting from elsewhere as I think I've posted inaccurately

Hi,

I had a loan written off by Wonga in 2014 for their failure to carry out proper affordability checks. I was told this would be wiped from my credit file.

However, I have since found out that although it was removed from two agencies, it still exists on one.

I contacted Wonga and they told me that in actual fact, I defaulted on two loans at once (I don't understand how this happened, how I was able to take out two loans at once, but that's for another day). They wrote off both loans, but only removed the default from one.

I requested a statement of my account from the lender and had taken out 11 pay day loansicon in a two year period, some ranging up to £1,000 a time. On a number of these loans, I needed to take out a top up on the loan.

I have complained to the Financial Ombudsmanicon that the nature of my borrowing history should have been a clear indicator that I was in financial trouble and that by ignoring that, Wonga have failed to act as a responsible lender.

I have also included copies of my bank statements which indicate that for that entire period, I was living in my overdraft.

Can anyone suggest whether this is likely to be a successful approach in removing the entries from my credit file?

Thread moved to the appropriate forum.

Regards

Andy

Thanks, sorry, still trying to work my way around the site.