After no searches on my credit file for over 2 years,I now find that Wonga have done an Authentication check.Could this be in relation to an email that I have received from them informing me of a £49.89 refund.

Regards,John.

I guess it could be, but I would be inclined to write asking them why they felt the need to do this. Although I believe this will not be visible to anyone other than yourself, it is still a bit of a cheek !

I would hope that this was purely an address check to make sure that when they send the money, it goes to the right place

In their email,they are requesting that I phone them with my bank details.

In December 2014,they did an identity check on me.When I asked them why,they did not know who I was and could I send them further details.That is correct,did a check on me,but did not know who I was.So I just sent them a screen shot of their check on Noodle.Then they said no one had done a check.The previous check and the latest one,are visible to third parties.

Just a couple of their emails from 2014.

Hi ,

Thanks for your email.

Please reply to this email with following details so we can assist you. Unfortunately we can’t seem to verify who you are at the moment.

Full name:

DOB:

Postcode:

Email address applied with:

You could also call us on 0207 138 8330 to discuss the matter further.

...............................................................................

Hi John,

We can confirm no manual search was performed on your account for a loan application this month. The last loan/search recorded on your account is dated February xx, 2012, for a loan of a xxx GBP.

We are liaising with other departments to check if they have requested any searches on your account, and will let know if anything new occurs. In the meantime we can confirm no fraud issue (unauthorized account access, ID fraud) had been detected on your account and no other account with your own has been recently set up.

Best wishes,

Customer Care

The search was finally removed after informing Noodle.

Regards,John.

Who removed the search. Noddle themselves of the company ?

Perhaps Silverfox can advise whether you ask for a cheque or give them your bank details !

Give them bank details! Not a hope in hell considering the way they have treated bank details in the past.

Fedup....

I informed Noodle of what was going on and every time I received an email from Wonga,I sent the emails to Noodle,who removed the search from my file.

Silverfox.

They did have my bank details.But after repaying Speed Credit/Toothfairy,I was a bit concerned after reading about them (SC/TF) on CAG.So I went to my bank (Santander) and explained the situation,where a very helpful member of staff advised me to report my card as LOST.I just paid money into Wonga's bank account,which also presented problems,as a alternative thread will explain.But all settled now.

I think that I will send them a letter or email,asking for the refund to be paid as a cheque.

Part of the email that Wonga have sent me is below,there is also a section regarding how they have come to the refund amount etc,etc.

..............................................................

Back in June 2014, we began a programme of significant change to improve our service and ensure we are a responsible financial services provider. Working alongside the Financial Conduct Authority (FCA) we carried out an internal review that highlighted a number of shortcomings which we are working hard to put right.

As part of our commitment to putting things right for our customers, we have reviewed your loan agreement(s) and can confirm that a refund of £47.89 is due to you. We apologise for these mistakes and are making the necessary changes to our processes and systems to make sure they will not be repeated.

We need your current bank account details to send the refund to you. Please call us free on 0800 840 0836 to provide them. Once your bank details have been verified we'll send the refund within 21 days. If you haven't received it within 28 days, please contact us.

Regards,John.