I recently (again) applied for a credit card to do a balance transfer.

I was knocked back, which I found surprising so I decided to signed up to checkmyfile to see what had happened.

I had applied for some credit cards a year or so back and thought perhaps it was my credit rating, so I did various things to improve it.

I have not had any defaults ever or any late payments ever. It turns out Wonga had wrongly report on 25th of Jan 2014 that I had defaulted.

Ironically when Wonga had their issues with sending threatening letters from fake lawyers I didn't think this would affect me. Furious I got in touch with them and they have now accepted it was a mistake on their behalf, I am however also chasing for compensation as this blemish has directly affected numerous applications. They replied with this

The amount I borrowed £1096 which was paid in full by direct debit at the end of the month with the ridiculous interest (around £1337).

Our report to the credit reference agencies

Dear Mr Sl***,

I am writing to you in response to a query about your credit file.

We are sorry that the default was added in error for loan number 00009509****.

We can confirm that a request has been issued to Callcredit and Equifax to update your credit file and show the account as settled on 27/07/2013. Any default related to this loan will be removed. Please allow 10 - 30 days to reflect on your credit file.

Please be advised that we are not responsible for how lenders who use the reported data make decisions in relation to credit scoring. Other lenders set their own credit policy that we cannot influence.

Should you have any further questions or queries please do not hesitate to contact our customer care team on 0207 138 8330.

Kind regards,

Customer Care

0207 138 8330

Wonga.com

Wonga.com is a trading style of WDFC UK Limited. Registered in England and Wales.

Registered Number: 6374235. Registered Address: 88 Crawford Street, London, W1H 2EJ.

Authorised and regulated by the Financial Conduct Authority under registration number 671454.

You can contact us in relation to all queries at

To me it seems like they are trying to weasel out of the dues I am owned.

I read another thread on here which lead me to believe that highlighting the following points is a good place to start?

1. Failure to inform me (via a Default Notice*) and provide me with a means of correcting the decision;

2. Failure to ensure the accuracy of their data, per one of the Information Commissioners principles;

I am grateful for any advice.

Thanks,

Ryan

I forgot to add that during this period since I did get rejected for credit cards, I did actually apply for a Wonga loan (since I had used them multiple times and never missed a payment) and I was rejected from Wonga! The only blemish was from them!