Hi all,

I have had to default on a loan to these people and having read through a number of similar threads am about to send this letter by recorded delivery, however I would quite like the forum to review it to check there are no issues.

Thanks,

T.

Dear Sir/Madam,

I have recently received numerous e-mails from yourselves and despite making contact by phone on the date my loan was due have not yet had any personal response from yourselves.

I hereby confirm that, as per my legal rights, that I only wish to be contacted in relation to this matter in writing, and for the avoidance of doubt that does not include e-mail. No e-mails or telephone calls will be responded to although as a pre-cursor to a hard copy response, e-mails outlining your position will be reviewed.

Please be aware that at present I am fully aware of my rights and your obligations and retain the right to refer any and all matters to such authorities as I see relevant should I believe you are not acting in accordance with said responsibilities. These include, but are not limited to, OFT, Trading Standards, FSA and Financial Ombudsman.

I hereby inform Wonga.com Ltd (trading as Wonga.com) that I place my account in dispute, and that no means available to Wonga will force to to pay the additional interest and charges which I find unreasonable and unlawful. I consider the amount owed to Wonga to be £xxxx.xx

Furthermore, I am sure you are as aware as I am that any attempt to suggest a “doorstep call” will fail, as such a visit can only be subject to appointment and I have no wish to make such an appointment.

There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, your representatives or other assigned third parties to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

I wish to arrange to make an repayment agreement with yourselves which is reasonable given my present circumstances. My personal circumstances >. Additionally the court fine now due is of higher priority than your own debt.

I hereby offer you the opportunity to agree a settlement at a rate of £100/week in order to meet the repayment of the loan. This will settle the loan of the original amount + original interest within 3 months. I will only agree to this if you confirm that interest and charges on the loan will be stopped from the due date, which is the date I first made contact with your call centre and was assured I would be called back to discuss the matter, a call I am still waiting for.

Of course if you believe your charges, interest and working practises to meet the OFT's fairness guidelines and that my attempts to resolve this matter are unreasonable it is your duty to apply to the court to hand down a ruling. However, as I believe this is not the case I ask you to forward your bank details such that I can create a standing order in your favour and initiate payments.

hi i too had problems with wonga they started taking money out of my bank account with out my permission and my bank account went overdrwn because of them. EVERY TIME I TRIED calling them i would get cut off when eventually got through to them they were not very helpfull. I am now in a repayment programme with them on the understanding that i pay every month on time otherwise the repayment programme will be nil and void and i would have to pay in full the outstanding amount plus interest. The loan i originally fell behind with was only 300 but now its up to 600 and interest is rising.

Hi blue angel, did you agree a repayment with them over the phone or via email/post? Have wonga stopped putting interetest on because your in a repayment plan?

Hi there, as no-one has responded to the contrary, I guess my letter is ok, so planning to send it today. Does anyone know which is the correct address to send it to? I am guessing it might not be their registered address?

Hi again! Please, please, please could someone advise me of the address they have used to send stuff to Wonga. Looks like various people on the forum have sent them stuff, can one of you advise?

I am guessing it's probably 28-32 Wellington Road, London, NW8 9SP ?

I say this as I suspect the Crawford Street address is postal only. No respectable business would want them in that area!

Also, interestingly I found this - http://www.affiliatewindow.com/documents/merchants/1889/Affiliate_Window-Electronic_Wonga_Affiliate_Agreement-5_Dec_09.pdf, which also suggests 28-32 Wellington Road, London, NW8 9SP is a "Billing Address" and even includes a persons' name, how about that?!

I am guessing it's probably 28-32 Wellington Road, London, NW8 9SP ?

i senT a letter a letter to wonga at that adddress and it came bk to me after 3 weeks!

Thought I'd update for anyone interested. I have given up with the idea of sending anything by post and instead created a secured .pdf file (so the contents could not be tampered with) and sent it as at attachment to [email protected] this morning. I have received- an e-mail back:

"In order to agree a repayment plan, a collection advisor will need to assess your current financial situation. Please do not hesitate to contact us on 0844 842 9109 as soon as possible to come to an mutual agreement"

It goes without saying I wasn't going to play ball and have replied:

"To whom it may concern,

Thank you for taking the time to read and reply to my letter. However, you seem to have missed one of the points. I clearly stated that I had no desire to enter into any telephone conversations with Wonga and that all communications should be in writing. Obviously, as I have been unable to send a hard copy of the letter since you are unable or unwilling to supply a valid address, we are now communicating via e-mail rather than in writing, which is not as satisfactory as I would like, but at least you are now communicatiing with me, so that is some progress. However, the fact exists that I do not wish either party to contact the other by telephone and remove your right so to do.

Regardless of the fact that I have no legal requirement to supply Wonga with details of my financial situation, I have already outlined it in the letter previously sent. You also already know my standard salary, as it is a requirement of the original loan application process, Working out that I am taking home half of that, and have the fine to pay should give you all the information you need. Even if I had not given these details, cleary presenting the figures in writing, such that both parties can see what is what is a far less ambigous method of confirming the situation than a telephone call, so that is the second reason why I will not be taking you up on your offer for me to make contact by phone.

Once again, I request you confirm your agreement with the details included in my letter of 8th April 2010 and forward your banking details to me so I can set up a standing order. It should be quite plain to see that I am clearly making an effort to resolve this situation (as I have been since the loan was due, including calling you to discuss the matter on the due date) and that it is Wonga who is delaying the satisfactory conclusion of this matter. I am sure this will be duly noted by the relevant authorities in the event that the situation needs to escalate to them."

Let's see where we go from here ...

Wonga is a trading name of Quickbrige UK-as is their other company-Sameday Cash

Here is their CC licence details-which shows the Wellington Rd address as being historic. So send to the registered office as indicated.

Application / Licence Details

Licence Number:0597616

Licence Status:Current

Current Applicant / Licensee:

Business NameCompany Registration Number Quickbridge (UK) Limited5897177

Categories:

Consumer credit Consumer hire Credit brokerage Credit reference agency

Right To Canvass Off Trade Premises:No

Trading Name(s) (Current):

Samedaycash Wonga

Issued Date: 30-Mar-2007

Expiry Date: 30-Mar-2012

Legal Formation:

Body Corporate (incorporated inside UK)

Current Individuals that run the organisation:

NamePosition Eric GoldblumOFFICER Errol DamelinOFFICER Jonathan HurwitzOFFICER Robin KleinOFFICER Ynon KreizOFFICER

Nature of Business:

Investment/Financial Advisers

Current Address(es):

Address TypeAddress Correspondence3, Prince Albert Road, LONDON, NW1 7SN, United Kingdom Principal Place Of Business3, Prince Albert Road, LONDON, NW1 7SN, United Kingdom Registered Office3, Prince Albert Road, LONDON, NW1 7SN, United Kingdom

Historic Address(es):

Address TypeAddress Correspondence28-32, Wellington Road, St John's Wood, London, NW8 9SP, United Kingdom Correspondence28-32, Wellington Road, St John's Wood, London, NW89SP, Uk Principal Place Of Business28-32, Wellington Road, St John's Wood, London, NW8 9SP, United Kingdom Principal Place Of Business28-32, Wellington Road, St John's Wood, London, NW89SP, Uk Registered Office28-32, Wellington Road, LONDON, NW8 9SP, United Kingdom Registered Office28-32, Wellington Road, St John's Wood, London, NW8 9SP, United Kingdom

Thanks for these details. I would have used them if I hadn't got a reply to the e-mail, but as I now have they cannot deny receiving it. Sure it will help out a lot of other folks - by the way, here it is on Google maps - 3, Prince Albert Road, LONDON, NW1 7SN, United Kingdom - Google Maps

I have put it in the stickied info for future ref.

wonga passed me to barker and lowe about a month ago, iv had letters from them demanding payment, i phoned them yesterday and arranged to pay monthly for 12 months which i have been asking them to do for ages by email but they just ignore emails, once i phoned them i sorted it within about 10 minutes

Good stuff

I was reading the moneysaving forum and it appear that Barker and Lowe don't exist and are just another desk in Wongas offices.

Good stuff

 

I was reading the moneysaving forum and it appear that Barker and Lowe don't exist and are just another desk in Wongas offices.

:D:D:D:D

without a doubt

one digit difference in phone number

they answer saying wonga:roll:

when i called them for my sis the muppett answered saying wonga,I said oh sorry I thought I was calling barker and lowe sols,he said you are "we just take their calls for them"

yea i heard that they were the same people, needed to face up to it though and hopefully sorted now, will be a big weight off my shoulders

You should get acceptance and agreement to your repayment proposals in writing-just in case you need to show that they agreed later.

As we continually stress-its not good to deal by phone-these things should be kept in writing.

Hi All! More fun and games:

Wonga:

"Thank you for your recent email.

Your current balance is £xxxx.xx and n days over-due.

Please note that we cannot agreed any payment arrangement without the first installment.

Whilst the account is over-due, interest and charges will be applied to the account and letters issued to protect our interests, until an arrangement is in place

Please contact us on telephone number 0844 842 9109 so that we can discuss the terms of a mutually acceptable arrangement for payment of the account in the sum of £100.00 per week.

Please give this your immediate attention."

My reply:

"Thank you for your e-mail today, however once again, I must point out that although you are replying to my communications, you seem to either be ignoring, or failing to understand the content. I attach a copy of my original letter and my previous reply.

I will re-iterate that, as per my legal rights, I have no desire to enter into telephone conversations with Wonga. I see no reason why you persist in attempting to arrange such a call. The entire loan application process requires no such communication, so I fail to see why you beieve it is now required. An e-mail or better still hard copy of an agreement would remove all doubt of each party's responsibilities and provide a more substantial audit trail of activity. Wonga continues to be unwilling or unable to use postal mail as a method of communication. I have furnished you with full details of my proposed repayment schedule and requested your bank details to set up a standing order. Wonga has failed to respond as requested. You simply need to confirm acceptance of this and forward said details.

As I have also previously stated I place the account in dispute as I believe the additional charges and interest being applied are unlawful. Additionally, it is I that have initated contact to resolve this matter on the day the loan was due, and any such interest you are attempting to apply is primarily as a result of the failure of Wonga to reply in a timely fashion. I replied to your last e-mail within 28 minutes of receiving it. Your reply to that took 4 days, albeit that that period included a weekend. Additionally there is no legal requirement which prevents you acceding to this request prior to an initial installment. The full amount I believe due and am prepared to repay is £xxxx.xx. Should you wish to attempt to recover amounts above and beyond this you will need to follow due process in court.

Therefore, I conclude by asking you once again to supply the bank details I require so I can start making repayments from Friday 16th April 2010."

i never got that email about the £100 a week, i agree that things should be kept in writing and i am definately going to get the agreement in writing before i make any payments, i was just getting really annoyed with them ignoring me i replied to every one of their emails.

dave_t, think your a bit confused mate, those e-mails were between ME and wonga! Nothing to do with your posts.

Maybe worth also looking at the OFT guidance on debt collection.

It does not just apply to DCAs-its for anyone who holds a CC licence,and covers not only closed accounts,but accounts that are in default or disputed.

http://docs.google.com/viewer?a=v&q=cache:2babpfWiidAJ:www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf+Office+of+fair+trading+guidance+on+debt+collection&hl=en&gl=uk&pid=bl&srcid=ADGEESgnckefKWOXvgHtUawZva5DckV1ELO596j24fqwyup3TKrn79ZXdFnbmQj9JeRRSFaqASJw2dTzcmk44M4FiBukS418Ihk3DgLqT0Er9br9gtv9OIxZbWqH5CQCSB6zJI6xQyiQ&sig=AHIEtbTfyUykhQ2oD_zVx5q3fnwiqvuDHg

no not confused mate just adding my own info and opinion.

dave_t, ok, maybe it was me getting confused when you said "i never got that email about the £100 a week". Of course your opinion is valid, that's what is so good about this forum.

no problem, and yes the forum is brilliant i got a lot of good advice.

Good to hear it:)

Well, well, well, 2 days have passed since my last e-mail back to Wonga, asking again for their bank details, so I can start a repayment plan tomorrow (Friday) and ... nothing!

I have just sent them another e-mail, so if it ever gets to court (unlikely I know) I will be able to show clearly that I have been attempting to kick things off and that Wonga have failed to assist me in this matter. I wonder if that's so they can add more interest and spurious charges? Not that there's any point in that.

"Dear Sir/Madam,

I e-mail you again, as two days have now passed with no contact from you. I am surprised by this as I would expect you would like this situation resolved as swiftly as possible? As previously stated I would like to commence a repayment programme starting tomorrow (Friday 16th April 2010). However, despite all the details I have supplied and my continued chasing, I am still without your bank details, so cannot set up a standing order. Please be aware though, as per my previous comments, that I will only commence repayment if you confirm in writing that the due balance is solely that of the original loan amount & interest, which was a total of £xxxx.xx, and that no additional charges or interest will be added."

Hi All, here's the next installment, which is kind of progress:

WONGA:

"We have tried to contact you by telephone, however we were unsuccessful.

Whilst we appreciate your current difficulties, and will not refuse any payment, we cannot withhold action without a payment arrangement. Your offer of £xxxx.xx is insufficient to maintain the account.

Please make payment to show your intentions.

Your current balance is £xxxx.xx and y days over-due.

As requested our Standing Order banking details are as follows:

Bank: HSBC

Sort Code: 40-06-09

Account #: 21544926

Reference: 2603280

It takes 3-5 working days for a Standing Order to arrive at our bank.

Please note that after any payment is credited to your account, interest and charges will be applied to the account and your outstanding balance in accordance with the Terms and Conditions of the Credit Agreement.

Please contact us on telephone number 0844 842 9109 so that we can discuss your situation and the terms of a mutually acceptable arrangement for payment of the account.

Please give this your immediate attention."

REPLY:

"Thank you for at least partially replying to my e-mail. I do indeed now have your banking details and thus can start to make payments. However, you mention again that you wish me to call you to arrange repayments, which I have explained before that I do not wish today as I do not believe both parties are not adequately safeguarded. You also mention you tried to call me, which is in contravention of my previous requests, and totally unnecessary given we have an open line of communication. I am sorry you feel £xxxx.xx is insufficient, but as stated before given Wonga's complete failure thus far to assist me in a timely fashion with reaching an agreement is all I am prepared to pay. I dispute the figure of £xxxx.xx you give as I believe it is unfair and unlawful owing to the additional interest and charges you have levied.

As I now have your details however, and I do not dispute the original amount owed of £xxxx.xx, I will make payments every 7 days from tomorrow of £100 until that amount is repaid. Any further amounts will remain in dispute and will require relevant court process to determine their status.

My bank now operates the faster payment service for one-off transactions and thus you will actually receive the amount in your account the same day, not within 3-5 days as you state below.

In the meantime, I look forward to your confirmation that £xxxx.xx is the genuine total of the debt for which I am liable."