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camuser

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Everything posted by camuser

  1. I wish I had researched them, never wuld I have dealt with this company
  2. Thanks but i really want to highlight what is going on and would like advice on who to complain to?:?
  3. I have emailed Wonga now for a couple of days. Several emails a day for them to contact me for a sensible and fair repayment plan. I checked the account online and it frightens me the amount that has accumulated these last few weeks. This surly cannot be fair. As I had a couple of loans and bad credit history, they are clearly unreasonable lenders. Can anyone point me in right direction to an organisation to complain? As far as my argument goes I took a loan for 30 days. Things went wrong from my point of view but the interest after the 30 days should be at the rate you would claim through small claims court 8% I think. i have pointed out in my emails the stress that this has put me under and as a customer care LOL email address why is there no contact???
  4. just got phone call from them happy to set up repayment plan but way in excess of what i can afford. kept banging on about i knew the charges and interest when i signed up. any i dea how long they wait to sell on to debit recovery. I feel these charges are going to go through roof. £600 now over £800 in space of couple of weeks so god knows what it will be in months. But i am adament that i will only pay the £600 will keep you posted
  5. Hi I have a loan out with Wonga. Have been indebted for a while. Get a loan pay it back get another loan. Last month I had no money to pay back and did not want to extend as I could not afford to. Now I am receiving emails form them and have been emailing back. I request that they phone me to discuss repayments. They asked for my number which they already have as it end the pin number. But still no call and interest is accum every day is this normal from them. Has Any one been taken to court or fought the pay day loan company's after seeing loan sharks recently brought to court is there really a difference
  6. Sorry ( is this an option with them) or will they pass the loan on to some one who will listen
  7. I have no intention of paying the extra charges or interest that they are added. And have told them via email that i have had difficulties and need them to work out a sensible repayment plan it this a an option with them.
  8. Hi I have a loan out with Wonga. Have been indebted for a while. Get a loan pay it back get another loan. Last month I had no money to pay back and did not want to extend as I could not afford to. Now I am receiving emails form them and have been emailing back. I request that they phone me to discuss repayments. They asked for my number which they already have as it end the pin number. But still no call and interest is accum every day is this normal from them.
  9. Hi I have a loan out with Wonga. Have been indebted for a while. Get a loan pay it back get another loan. Last month I had no money to pay back and did not want to extend as I could not afford to. Now I am receiving emails form them and have been emailing back. I request that they phone me to discuss repayments. They asked for my number which they already have as it end the pin number. But still no call and interest is accum every day is this normal from them.
  10. my reply card not stamped or signed
  11. IN the T&C the max apr is 16.9% so can anyone tell me how I have been charged 22.9%
  12. the t&c were photocopied on the back of the applic form
  13. Any advice what to do next? CAM
  14. Archer, Did you send photocopy IDb with SAR
  15. Sent CCA request 13 april got reply 24 April. Got photo copy of reply card and terms and conditions photo copied at bad quality can't be read. sent S.A.R - (Subject Access Request) 13 april still waitng on reply. Has anyone a phone number or contact details I would like to chase up this request with some calls. Also MBNA required ID to be sent with SAR is monument delay tactics the same:confused: :confused: ANYONE, CAM.
  16. Pers, I'll see can I get it posted tonight. CAM
  17. I recived my CCA request today ( day 12 ) They sent me a photo copy of application form from 1999 bottom right hand corner has my sig inside a box titled reg. by CCA 1974 and sig makes me legally binded. Rest of photo copy unreadable as for T&C. Don't know what next move to be any suggestions. I was looking section 77a and 78a and thinking that they have not supplied this info.
  18. Sorry to sound dumb but is a credit card CCA request section 77 Duty to give information to debtor under fixed-sum credit agreement or 78 Duty to give information to debtor under running-account credit agreement or both
  19. camuser

    taking on mbna

    12 days up tomorrow for CCA request still no response and no response for SAR. What is next step in CCA request write and inform them of their default on not sending CCA or wait 30 days. After 30 days then what? do you contact police for criminal offence has anyone got to this stage.:? :? :? CAm
  20. camuser

    taking on mbna

    Reading some more threads and it appears that this ID request from MBNA for SAR is a bid issue. I have not sent ID nor did I intead to. Has anyone recieved SAR without ID? It's not rquired by law is it? My intention was to ignore ID request and issue N1 is this correct or is it giving them more stalling time? Cam
  21. camuser

    taking on mbna

    Sorry been away for a bit. Just to keep you's updated, sent CCA on 13 April. emailed gareth.tunnicliffe to remind him of 40 day limit soon aproaching for SAR. no response Phoned COE got a nice lady :confused: who confired SAR request was recieved and would soon be processed. Did not mention CCA to her as I did not want to remind them. Keep the struggle going.8-) Cam
  22. camuser

    taking on mbna

    Anybody in similar position, advice needed, Thanks CAM
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