I have an arrangement with wonga and they have been brilliant. Just call them and set something achievable up. I set up a payment plan and then realised i couldnt make the first payment by four days.....**** myself but emailed them and they said they`d take it the day after.

P.S I can afford to pay more so should i pay what i can (obviously when you have told me how to pay )

Cheers , how should i send the payment?

Thanks. Should i keep sending e-mails then about a payment plan? If yes how often?

Ok. Over the past couple of weeks i`ve been taking out loans with this "company" upto the max £410 that they offered me in the first place. My last £110 loan was last Tuesday which had to be paid on the Thursday but still with an interest charge of £30. So in total i had £410 to pay last Thursday (taken over 2 weeks) resulting in interest of around £130 or thereabouts. I defaulted on Thursday and received approx 20 phonecalls and messages throughout the day. I emailed the company and said i had spoken to the authorities and was considering the phonecalls and amount of them as harassment and would take action if they didn`t stop and would only communicate through letter / email. I looked at my account and they have added 4 seperate £59 fees for the loan although i just thought i was topping up the one loan. I`m just getting the standard `we will only talk by phone` when i email them - i have said i believe this goes against OFT regulations and haven`t heard anything since Saturday. Any help what to do next please?

cheers,i will :)

I decided not to rush in taking court action...read my post and good luck

I will be contributing to the site once the funds have gone in and to anyone unsure about claiming.....GO FOR IT!!!!! I can`t believe i only had to send 3 letters :lol: Thank you CONSUMER ACTION GROUP :D

After reading posts on here i thought i`d leave it a week as natwest seem to be settling as people are putting there claims through the court... Received a letter on saturday (dated 22/02/07,which was the day after i sent my lbo) saying they received my letter dated 5/02/07 and although they didn`t agree with my claim,as a gesture of goodwill they would refund £800 into my account if i signed the attached letter :) :smile:

Thanks..

My letter writing to them is now complete,it won`t make a difference that i sent the letters to the branch will it???

Nearly time for court action.I have sent all my letters to my branch,is this ok cause not received any reply??? I went to the cash machine yesterday and i was £4.90 overdrawn because my internet bill had gone out.Just logged onto my internet banking and i`m now nearly £28 overdrawn because they sent the d/d back and charged me another £38 for the privalage Can`t wait to fill in my claim now....Obviously + another £38

Anyone any advice on if i`ve done the right/wrong thing please??

sent another letter today,stating this was a final letter before court action.I have given them 7days to reply. At the bottom i said that i would be willing to accept £500, if it was paid within 14 days-was this a good move?? I could really do with the money as in yesterday,thats the only reason i added this...

thanks,i`ll take alook at the FAQ now. I forgot to add, my claim is for £800.

Recieved my statements and sent my initial request for refund of charges on the 5th feb.Still waiting for reply. Have they got to reply within the 14 days??