Had an email back saying that because it contains sensitive information they will be posting it out to me within the next 5 days

Heres the next email off them. Haven't proposed a time frame for paying back the £377 as yet. Will make sure thats in my next email Hi *******, Thank you for your email We have looked into your loan agreement and unfortunately we would not be able to reduce the balance that is outstanding. The money which you have repaid was to extend the loan that was outstanding. We are happy to accept a repayment agreement which can be created as instalments. If you have any further queries, please do not hesitate to contact us. Kind regards, I'm just gonna keep getting this back again and again arent I! The team at Wonga.com

OK what to do now, do i email them and tell them to expect a payment on 'this' date, (I would like to have the money to pay it in one go) or just do it. Also, do I keep emailing them and argue the toss with them, I know its not really gonna get me anywhere but I suppose if it did go to court I would have email evidence as back up.

thank you too jogs - really appreciate all replies

Nothing today - no email reply from them, but on the plus side no phonecalls - will see what tomorrow brings.......

Thanks Renegade, will do - thank god this forums here and all you helpful people, gives us a bit of oomph when we need it, when they've wore you down!

I don't intend to pay them anymore than that. Fed up of their jargon thinking that they can just 'disregard' what i have paid already, well £826 might not be a lot to a company like that but its a hell of a lot of money to me! Thats why I'm asking, can anyone help me on this, is the loan agreement number, the number i would use when sending a standing order payment? I am going to arrange to pay them the amount I think I owe and tbh they can do what they like after i have paid it. As far as i'm concerned i will have paid what i owe them.

Ok and here is another email I received from them today - just a general one. Loan Agreement Ref : ************* Please pay your Wonga loan today to avoid charges being added to your account We have just tried to collect your promised repayment from your chosen debit card and, unfortunately, the payment was declined by your bank. We understand that juggling your finances can be tricky and mistakes happen, so we hope we can sort things out today and then we`ll be here next time you may like to use our service. Please pay £1,234.24 which is the original loan amount and the interest accrued before 5pm today. You can bring your account up to date by logging in to the My Account section of the Wonga.com website and selecting "Repay my loan" or you can repay us using our automated payment line on 0207 183 0063. As our collection attempt was declined by your bank, a fee may be added to your balance. If we still haven`t received full repayment by 5pm today, you will incur a £20 missed payment fee towards the cost of a failed collection. You should also be aware that we will make further attempts to collect the money you owe us from your debit card, either in one payment or in several amounts, during the course of today and on a continuous basis until the amount you owe is repaid. If you are experiencing a short term cash flow problem and need to borrow the money for a longer period then depending upon your circumstances we may be able to arrange this. If however you are experiencing real financial difficulties paying then you need to speak to us urgently. Whatever the problem, please do get in touch with us as soon as possible on 0207 138 8332. Be assured we want to help. Remember that settling your balance in full before 5pm today will mean you avoid paying the missed payment fee and: * You won`t accrue any further interest * Your repayment will be reported to credit reference agencies in a positive way * Your trust rating will be protected and you will be welcome to apply again in the future Best regards, Customer Care Firstly - I thought Wonga had agreed not to rollover after 3 times, this email suggests they will 'depending upon your circumstances'. Why do I get an email (only after my card declined) wondering whether or not I may be in financial difficulty - Surely the fact that I haven't been able to pay any capital off the loan (as they put it, I still see it that I borrowed 926 and have paid them 826) that would suggest I was having problems, but only when I am not paying them money for nothing every month do they bother asking. As for the email above that I was sent A repayment arrangement is not offered originally, it only becomes available when a customer reaches a point of financial hardship. Ok so here is the email you receive when you are due to repay your loan We hope your cash advance was useful! We know how hectic life can be, so this is a reminder that we will be collecting £***** from your debit card on **/****. Please ensure enough funds are in the bank account linked to that card as a failed collection would result in a missed payment fee of £20, which is the last thing we want to happen! You should also be aware that if we cannot collect full payment from 5am on **********, we will make further attempts to collect the money from your debit card, either in one payment or in several amounts, on a continuous basis until the amount you owe is repaid. Keeping our trust As soon as we have taken your repayment, you`ll be able to apply again next time you need a short-term cash advance and keeping your promise means your Wonga trust rating will increase. This improves the likelihood of future approval and boosts your credit limit. Also remember that repaying your Wonga loan on time does wonders for your credit rating! What if my circumstances have changed? If you know the full amount will not be available for an unexpected reason, you can extend your loan for up to a month from the current promise date. Login to Wonga at least a day before repayment is due, click the MyAccount tab and then select `Extend my loan`. A part-payment of the existing balance is required and an Admin fee will apply if approved. Remember the sooner you repay your loan the less it will cost, so if you don`t need to extend we will automatically collect the repayment first thing on the agreed date and look forward to being of service in the future! Where in that email does it state another option for financial difficulty? Just because I struggled to pay the 'rollover' and i do mean struggled - that means I am not in financial hardship does it? They give you 2 options in the email and 2 options when you logon - either pay in full or rollover which is completely my argument with them!! Another point to make - Is the 'loan agreement' number they quoted the same as a one i would use to make payments into their bank account? I did ask for my account number but they haven't gave it to me.

Well heres their 1st reply Thank you for your email . The payments that have been received up till now on your current loan agreement covers the interest and fees required to do the 3 separate extensions you put in place on the account. The three payments that where received settled the accumulated interest and fees for each specific month the balance is outstanding. It does not get taken off the amount that was borrowed from us. A repayment arrangement is not offered originally, it only becomes available when a customer reaches a point of financial hardship. As your agreement is due today, please do not hesitate to give us a call to discuss a suitable repayment arrangement for you most current loan agreement or alternatively please respond to this email. Kind Regards Wonga.com 0844 842 9109

Well D-Day is upon me tomorrow with this company - I have my email ready to send. I have asked them to take into account the £826 I have already paid them when agreeing on a final settlement figure, i have also stated that I do not under any circumstances wish to be contacted by telephone, but can answer emails reasonably quick. Will keep this thread updated as soon as I have their response (although I suspect it may be a generic one at first!).

Thank you - have emailed them with this. Thank you for your reply, however this is NOT what i asked of you. I asked you for a full and complete breakdown of the debt including amounts owed. I await your reply.

ok so i asked for a complete breakdown of the det and they sent me this Dear ....... Many thanks for your email. Your outstanding balance is £400.00.No payments have been received to date. This payment was due on the 26/04/2012. Your account is now overdue as a result of the payment being late. The Collections department are now dealing with your account and payment may be tried at any time in conjunction with the terms and conditions of your Loan Agreement. Please be aware that we use a Credit Reference Agency and if you repay your loan now this may help to improve your credit rating. However, if you do not repay this loan by the end of the month then we will share this information with the Credit Reference Agencies which could have a negative impact on your credit rating and could affect future access to loans. Please contact our collections department on free phone 0800 280 2666^ between 9:00am – 8:30pm Monday to Friday and 10am – 3pm on Saturday. Since I got this in october last year and I have paid them £580 - this is completely not correct!

If they had made it clearer that you can contact them to arrange paying if you are experiencing difficulties and would find rolling over difficult then I certainly wouldn't have chose the rollover option. They make you believe that is the only option available - rollover or pay the lot. But because I could just about manage the rollover (and I mean 'just') I chose that option. Had I contacted them in February, they would have more than likely put me on a sensible repayment plan that I could afford and I would have paid around £540 off by now. I feel like i'm being penalised for them not letting lenders know when to ask them for help, but that is the way they operate....

I haven't taken out a new loan to repay the old one - I only ever had 926 from them in january.....

Thank you for your reply Jogs Nice reading, good to read about someone who stood up to them after such a horrible situation and got the result they did.

Yes i did apply to rollover the loan - because I felt that I didn't have any other option. They say they either want the full amount or tell you you can pay a smaller amount and 'rollover'. I genuinely believed that those 2 options were my only options. However, from reading on this forum, If i had just gone to them and said I geniunley cant afford this and i am having real problems paying, they would have accepted the payments that I have been making off the loan and frozen interest. So to say that £826 counts for nothing is a bit steep - I have no problem accepting that I do owe them the amount I borrowed plus interest, because I signed up to that, but in a state of panic and worry 'rolled over' these loans and incurred silly interest charges on them - thats what I will be disputing. In my opinion, rollovers shouldn't be an option thats when it spirals out of anyones control as we have seen in many posts on here.

I should be quite flattered by it, looks like they signed up just to tell me that!

ouch

Hi Renegade did you get a chance to look at my thread for wonga?

Hi Blossom I am about to undertake the same route as you are going down. I am going to propose exactly the same (the original loan plus the original 1 month interest) and will let you know how I get on. I have asked for a breakdown and will be emailing them with my offer next week. Don't give up. I note they said to you an i quote; The interest and the value repayable that Quick Quid charges is clearly stated before the loan is agreed. and that is what you are proposing to pay them am i right? The interest and value repayable at the time you accepted the loan, you are disputing the disgusting rollover charges etc etc. I have paid wonga £826 on a £926 loan - they say i still owe them over £1200! Payday UK i borrowed £410, have paid them back £580 and they still want £400 from me Suzyem

Ok thank you

Thank you - I have emailed paydayuk, can you look at my wonga thread? I have a breakdown on there according to their website. I just want another opinion in what I am proposing to do

Thank you renegade, I'll do that now. The same applies for my loan with wonga which I have a post on too - I will send them the same email, however, I doubt they will even reply until their payment is refused by my bank on 22nd.......

Hi everyone I have had a few payday loans and have rolled over several times. I have one with payday uk and their reckoning of the balance is £400. The actual loan i took out from them in October last year was £410. I have made the following repayments by 'rolling over and small part payments. I was about to arrange a repayment plan of £100 per month for 4 months - which they said they couldnt agree to yet as I hadn't paid £40 to 'hold the account'. When I checked my online banking I found I had already paid them the following; 28/11/2011 £102.5 23/12/2012 £102.5 28/01/2012 £132.5 28/02/2012 £125 28/03/2012 £117.5 This totals £580! Yet they are saying i have only paid of £10 of the original loan - surely I have a case to tell them to shove it! I have cancelled my card, been issued with a new one and cancelled any CPA on my account. The original loan plus interest for 30 days came to £512.50 - having paid £580 I feel I have paid enough - any advice greatly appreciated Suzyem

Has anyone on here tried this and got them to agree to it? Anyone? This is due on Monday and would like as much advice as possible please:-) Suzyem