i have not paid back a wonga loan and there terms and conditions say this: If you fail to make any payment under this Agreement, you may be charged a fee of £10 on the day that your missed payment was due and additional fees of up to £105 when your missed payment is more than 3 days overdue, which sum(s) will be deducted directly from your bank account via your debit card. they have lied as my wonga loan that i needed to repay was 260, and it has now rised to 494....that is way more interest and fees than they say.