Just a quick follow up on this as I don't know if its been mentioned elsewhere, but I was affected by the current FCA ruling and was told by wonga that my debt would be wiped. They have since contacted me to ask why they have not received the latest payment on my repayment plan. Obviously I won't be paying them but they did try and take money from me. Unbelievable.

I hadn't cancelled the CPA and couldn't remove my card details from their website. I moved my money to another account and they tried to debit it anyway. They have now acknowledged receiving my bank transfer but haven't edited my account balance to reflect this. They also told me bank transfer takes 3 days which is odd in 2014. I'm just going to do what renegadeimp has suggested and keep to my payment plan and send them a complaint through the post. If you keep at them they will probably set up a repayment plan for you.

Sorry for the late reply, but I do have an update. They finally agreed to the repayment plan (14th June, via email) I had originally suggested, perhaps because of my formal complaint or threats to take the matter up with OFT. I told them I agreed with the repayment plan and would send payment via bank transfer, as I had done whilst sticking to my own repayment plan. Sent the payment on the 24th June via bank transfer and received an email saying they had tried to debit the amount and failed (via card). I replied telling them I'd sent the payment via bank transfer and gave them a reference. They have not acknowledged the payment or my emails and have since threatened to, and now removed me from, the repayment plan (this despite the fact they said in emails they'd cancel the repayment plan on the 27th June!). I also went on the website today and have noticed they've added charges/fees again. I can't believe I'm going to have to go through a whole load of crap again because they refuse to read emails. I'm definitely not paying them twice and perhaps I should have just paid via debit card, but frankly it shouldn't matter. Don't really know what to do now but I have a complaint written up for CAB to get some advice, hopefully they'll tell me how to proceed with OFT. Alternatively wonga will read the emails I sent, acknowledge receipt of the money and removed charges/reinstate the repayment plan. You'd think they'd be a bit more helpful since the news about their fraud has come out, but it appears not.

I've emailed wonga with a complaint but don't know how much good it will do. I've sent so many emails at this point I don't even think they're reading them. Just another quick question; should I pay them the amount I said I could pay this month on the 27th, even though a repayment plan hasn't been set up?

Thanks for replying so quickly. Who should I direct my complaint to, OFT? Seems an idiotic tactic for wonga if it just results in setting up a repayment plan later on down the line.

Hi all, Unfortunately I borrowed from these guys and then had a sudden reduction in income due to ill health, so knew I'd be unable to repay. Loan was due on 12/05/2014 and I was unable to pay any amount until 27 of May so I tried to set up a repayment plan through the wonga website. This resulted in an error message every time I tried and I tried with different browsers and computers. I emailed wonga on the 7th of May explaining my problems with their website (and my financial difficulties) and received what must be a template email telling me to call them (I replied saying I'd rather deal with them via email due to cost and pressure). I sent a few other emails to various wonga email addresses but received pretty much this reply to all of them. One of the emails I sent had an attached screenshot showing the website error and I finally received a reply on my payment due date, acknowledging I had a problem and asking me to reply with income and expenditure details. I provided these along with what I could pay and when. I received no response to my reply to this first email asking for I&E. I’ve sent many follow up emails since then usually receiving a generic response but I did receive an identical email asking for income and expenditure which was infuriating (This directly after receiving an email saying I could only sort I&E out by ringing them). Today I received an email from their debt management email saying ‘thanks for sending us your income and expenditure (I sent the info again), we feel we should discuss this on the phone’, to which I replied that I’d provided all the relevant info in the email. I then received another email shortly after which I have pasted below. ‘Hi, Thanks for letting us know about your current financial position. We can see you’re experiencing serious financial difficulties so we’ve placed your account on hold for 38 days and stopped all collection activities. This means we’ve frozen interest and charges, stopped trying to collect payment and we won’t send you any collections communications. In light of your current circumstances, we suggest you contact these organisations if you feel you’ll benefit from free, independent money advice: (Citizens advice etc) Once you’ve received independent advice from one of these organisations, please call us on 0800 107 8140 to discuss your options. If you don’t contact us within 38 days, collections activity will restart on your account.’ What’s my next step from here? I imagine contact CA will just result in them telling me to set up a repayment plan with wonga, which is what I’ve been trying to do. Should I just bite the bullet and phone wonga? I don’t want to be pressured into paying what I cannot afford. One final point is that they’ve been adding interest and charges since the 12th, even though I asked them to freeze these. All these generic and repeated emails seem to be delaying tactics for adding more interest. Any advice would be much appreciated.

Thanks for the quick reply David, I have had the card since 2011 and I have one other credit which is Vanquis. That's currently on payment Plan, charges and interest frozen. My main problem now is getting Capital One to understand I cannot pay off the full amount which they now say I owe which is about £660 in total (£500 limit).

Hi I've been falling behind on payments on my Capital One account due to a worsening of my disability and lack of employment. I wrote to Capital one at the beginning of August (via recorded delivery) explaining this to them and asking them if they could freeze all charges etc and implement a payment plan. I included a basic income expenditure form too. I did eventually receive a reply to this letter which said 'sorry to hear about financial difficulties we find it best if customers ring us to discuss'. Maybe I should have but I didn't see what they needed to discuss with me on the phone that my letter hadn't explain. During this time I continued to pay them what I could and they continued to add charges and interest. In October I received a notice of default letter saying I had 28 days to pay the amount my account was over limit. I could not afford that so sent another letter via recorded delivery explaining this, but telling them in the letter I could pay the full over-limit amount in November. The letter was received by Capital One before the 28 days was up but I have since received a letter stating the account has defaulted and I owe the whole amount. I also received a reply to my recorded letter today, which is identical to the last one I received (phone to discuss) and does not mention the default. Obviously I'm not thrilled about the default but I probably could have sorted it better. The default letter mentioned they may pass the account onto a DCA. I would rather Capital one had listened and let me pay the over limit off in November and then set up a payment plan. Could this still happen? Any advice on what the best course of action is would be greatly appreciated. I'll even phone them if that will help, especially if I can get the default removed (Not appeared on my noddle credit file yet, but it hasn't been updated this month). Many Thanks

Hi again, So Vanquis have replied with the CCA and sub access request. The CCA response included a letter with the following: '(1) your account is in debit to the amount of ....... (2) The amount currently payable by you is....... (Same as full amount above) (3) If you do not draw further on the account, then you will have to pay Vanquis bank at any time on demand the above debit balance and any further interest accrued' The third response confused me as I cannot draw on the account as I am under a payment plan. A statement I got from Vanquis for this month states I owe my payment plan amount by the end of the month (interest and charges still frozen). As well as that letter I received a copy of my digital signature application details with my information filled in from when I applied and a print out of the Vanquis credit card agreement and full terms. I assume this is what they are required to provide and my goal was not to avoid paying a debt to Vanquis but to avoid dealing with Moorcroft and getting a default. Speaking of Moorcroft they have also sent me another couple more letters, one of which was threats of further action (in comic sans, very professional) followed by another which was a reply to my phone harassment letter. This said they would agree to communicate in writing but that the account has remained 'active for recovery, as requested by our client'. It also included an income and expenditure form to fill in. In terms of the Subject Access Request I received a copy of account notation and a list of transactions and charges. Essentially an excel spread sheet print out. No actual copies of statements but I'm not too fussed as long as all the transactions and charges are included as they seem to be. Now I don't plan on doing anything until after Christmas anyway but will following this up mean they'll want full payment on the account? Further advice on all the above would be very much appreciated. Hope you all have a Merry Christmas

So I sent both letters off by recorded delivery but unfortunately the Moorcroft one is 'in the delivery system' which probably means lost unfortunately. I'm still getting calls from them and a text today and they always leave answer phone messages which I hate. I also received a normal statement from Vanquis today asking for the arranged amount so I have no idea why Moorcroft are even bothering. Vanquis letter was delivered though (CCA and sub access request) so hopefully I can start reclaiming soon. Thanks for the help again, will update when something substantial happens.

Thanks both for the quick replies. I do actually have a letter already typed up for reclaiming fees but had yet to send it as I didn't want to incur this default for any reason, but will do so now along with a phone harassment letter to Moorcroft. I guess I was just thrown by Moorcroft's involvement as I paid vanquis by the required date on the default notice letter and they have not contacted me since.

Hi, and please bear with me, I've had a vanquis card since 2006 (limit £1750) with ups and downs but this year I started struggling to pay the £100 or so each month in interest. After missing a couple of payments an arrangement to pay £30 a month with all interest frozen was accepted by vanquis. This was going fine until due to my health I was unable to pay the £30 in October. I did email vanquis about this and sent a letter (not recorded stupidly) but other than a couple of threats from Impact and lots of phone calls that I ignored I received no letters from vanquis until a notice of default arrived (dated 18th) giving me until 6th of November to make payment due. I was able to pay the amount asked for by the day they requested (6th) but I could only make payment on that day. I did check evanquis before they blocked my access and they had received the payment from me that day. On the 6th I also received a text from them threatening to pass me onto credit line (call credit?) if I didn't pay and later on I received one about a one time offer to pay my outstanding balance minus 50% (could not afford). I also paid the £30 for the next month as that had become outstanding and was back on my arrangement or so I thought. Out of the blue I received a letter from Moorcroft (09/11) saying they had been instructed by vanquis to collect my debt asking for full payment within seven days and telling me vanquis had defaulted me. I was fairly surprised by this as I thought I'd paid vanquis by the date they stated I sent a letter to them asking if I had actually been defaulted and why I was receiving letters from Moorcroft who I did not acknowledge any debt too (Vanquis have yet to reply). I sent a CCA request to Moorcroft who did reply (14/11) saying 'we have approached our client with regards to the request who have confirmed that to obtain a copy of the agreement you must put your request in writing to the following address (vanquis address). That letter doesn't prove they hold the debt and have vanquis defaulted me as it has yet to appear on my credit file? I have continued to pay vanquis and have received two letters from Moorcroft acknowledging the payments for the last two months but stating they should be going to them. I thought the CCA had at least stopped Moorcroft from calling (it seemed to for a couple of weeks) but they left a message on my home phone this evening saying to ring them as it was an emergency. Any advice or answers you can give on all this, would be greatly appreciated.