Got a letter from the Co op today. They have not cancelled the CPA from Wonga. Instead they " will monitor my account for further debits. and if the merchant claims further payments against my card they will claim a refund for me via a charge back" Why not just cancel it? Or is the reason that I will then have to prove that I did not owe Wonga the money? I have agreed to pay Wonga at the end of Sept = but only the amount we initially agreed on - not with all the extra interest that Wonga have suddenly decided to add on. Surely I am entitled to cancel the CPR? My student loan goes into the Co op and I have a vision of Wonga now just taking it all. Anybody who as dealt with SL knows that changing my bank account now will hold up my money for weeks. Should I now change my bank account with SL? Write back to the Co op and demand that they cancel the agreement? Complain to the FOS? Or all of the above

I have just phoned the Coop to cancel my continuous payment authority to Wonga. Few problems with Wonga but nothing I can't handle. The Co op have really annoyed me though. First I spoke with a young bloke who told me that as cancelling CPA is a dispute? so he couldn't do it himself. He tried to put me through to another department to sort it out but apparently they were all out. I was rather confused as to how a whole department could be out so I asked him to explain - he said they have actually finished for the day at 4pm. I was to call back tomorrow. Tomorrow is very inconvenient for me so I said no get me someone who can do it now. After some music Christian came on the phone. He refused to give a surname. He started by saying that I had given Wonga permission so they had to cancel the agreement. Rubbish I told him. He then questioned why a payment from Wonga had been received but he couldn't see it being re payed? None of your business I told him. He lectured me on not paying debts (Wonga is my only debt) and blathered on about how the obligations I had agreed to were serious and should be kept. He told me he would 'try' to cancel the agreement but it would have to be done by the Coops policy on cancelling authorisations. He refused to explain how the Coops policy could be any different to the FSA guidelines. Then he informed me that it may not work as Wonga do not use continuous payment authorities. He couldn't tell me what the name of the transaction used by Wonga was though, just mumbled about unpaid debt as if it was his money. This all took nearly 20 minutes of conversation and I am feeling very cross and extremely patronised by this man. When I calm down I will write to the co op and complain. First I would like confirmation that Wonga do indeed use CPA's to collect and that I am right in that my finance situation with Wonga is no business of the Coops? I kinda know I'm right but could do with reassurance. Bit ranty this post. Its a long time since I have been so annoyed & upset by a banker. : ) Thanks for reading.