I am after some advice please if possible

Having had a number of loans with Wonga I eventually reached a point I could no longer afford to make the large payment back on my last loan, taken out in February of last year.

Before the payment was due at the end of March I raised a complaint of unaffordable lending and asked for a payment plan offering an amount I could afford to pay.

Wonga sent me an I&E sheet which I completed and sent back, then I heard nothing from them.

Next message was a couple of months later with a threat of court if I didn't pay,

which was a surprised as i'd offered an amount that they never came back to me on

After that a payment plan was agreed and I made 2 payment towards to loan.

In the meantime my complaint was rejected by Wonga,

sent to the FOS where it was upheld and Wonga agreed to a refund of £2.5k,

although £850 would be used to pay off the outstanding loan and all negative information removed from my credit account.

Not an issue, all sorted, balance was paid back to me at the start of October

In mid December I was contacted by Moorcroft about an outstanding loan with Wonga.

I logged into my Wonga account and it showed I still had an outstanding loan.

I then checked my Noddle report (I usually look at Experian but Wonga don't report to that).

My credit report showed not only was my loan not paid off,

but showed as defaulted in July.

I contacted Wonga who at first told me that the last loan hadn't been part of the arrangement (utter rubbish) but they would look into this.

Over the last few months of the year I had an MBNA credit card suspended and a catalogue account suspended due to "adverse information on my account"

Now Wonga have admitted they should have removed the loan and have asked Equifax and Call Credit to delete this.

Now that would be great if they hadn't done so much damage to my credit over the last 5 months.

Also looking at my Equifax file it shows my loan a month in arrears in Nov 2016 and then 2 months in Dec, up to 4 months in arrears.

All this before I even opened in the loan at the end of Feb.

The loan shows as AP (?) from March to June 2017 and then defaulted in July 2017, which is all total lies

Where do I stand with this?

I'm absolutely furious with Wonga,

but currently stuck in their 8 weeks complaints procedure (again),

but this whole saga is a shambles.

I have all of this documented on email.

Any advice would be great

Do you have the letter confirming they should have removed this? This could be instrumental!

Do you have your historical credit files?

Thanks for the quick response

I have the confirmation email from the adjudicator on 31st August that stated what they should do.

They didn't argue with any of it.

They left the first 3 loans on my credit file, which was as the adjudicator said.

They confirmed to the FOS they would work to the proposal put to them by the adjudicator, this was on the 25th September.

I received the confirmation calculation on the 3rd October 2017 and that was the last communication I had from Wonga until Moorcroft emailed me on the 19th December.

In that time I received no phone calls (my mobile hasn't changed since 2005), no emails and no letters in the post.

Wonga claimed they had rang me and had a list of when, so I asked for a copy of this but was told I would have to pay £10 for SAR!

I have quite a lot of Experian credit files but Wonga don't report on there.

I only set Noddle back up once Moorcroft got in touch, and also my Equifax report (the last one I had is a fews years old unfortunately)

In this instance i believe you have further recourse to make a complaint. This is all dependant however on the info from the below;

Over the last few months of the year I had an MBNA credit card suspended and a catalogue account suspended due to "adverse information on my account"

If their mistake has caused you great detriment, damages may be brought in the form of a MCOL Court Claim and taking this through the legal channels.

I have a screen shot of my Next account stating that it was suspended due to adverse info on my file.

I also spoke to MBNA who would not remove the suspension my credit card account for the same reason.

I have a letter from them telling me that this is why my account is suspended.

I no longer believe a word Wonga say, couldn't trust them to investigate my complaint properly and believe that no matter how much info I send them about the effect this has had on me, they aren't taking this seriously.

I suspect on Feb 15th when the 8 weeks is up I won't get a response as they are inundated with complaints.

I can't possibly think why!

I haven't even had an apology in writing yet.

Although I do get mad at times, and especially so with this,

i'm more than happy to get even, sadly this may have to be through MCOL.

I have no idea what a suitable compensation would be though.

Any ideas or cases studies would be great

pers id be on the phone to the FOS tomorrow!!

Hi dx, they won't do anything unless Wonga have had 8 weeks, as they view it as a separate complaint to my original one last year. I emails the adjudicator the second Moorcroft got in touch and to be fair to her, se responded straight away, chased up Wonga to see what they were doing (after the New Year) and emailed me back. She saw this as a new complaint but added the info to my original one.

If i don't get something I feel is a suitable response then I will be looking at a complaint with the FOS (although complaints seem to be taking 3 months to be picked up at the moment), send everything to the FCA and see what i can do through MCOL. I'm sure a newspaper or 2 might be interested too!