Hello, I am having the same problem. I've been requesting a repayment arrangement for weeks and told them over and over again that I will NOT talk on the phone. Kept getting the "best to ring us" email and... log in to complete form although it was never actually there and I had already sent one from NDL. Anyway after going round and round, they have emailed me today saying that they can not set up a repayment plan with me and to "ring" to look at other solutions. I am ready to scream.

Thank you, Does this apply even though she has not had confirmation from the bank? She sent the letter recorded delivery and it has been signed for, that's all we know.

Hi guys, I am actually Maggie's daughter....just on here with her at the moment, and bringing you all up to speed. Mum rang me last night at 10.30 crying on the phone because she had gotten herself in a right state over what may or may not happen in the morning ie: today. Well, I came straight round after the call and transferred any money she had in her account over to her savings account and all that was available was 67p. No money has been taken and the same 67p is still there. However, she has not received any emails, texts or calls from Wonga to say that payment has not gone through etc, which I think is strange. She needs to put the money back in her current account for her direct debits tomorrow but is worried that as soon as any money appears, it will be gone. When she logs on to their website, it says that they have not been able to collect payment and that they will continue to make attempts throughout the day. Contradicting what it actually says on their website, that they only attempt full payment once and then once more 30 days later. Mum cancelled the cpa with Wonga over a week ago and has this confirmed in an email. On her Wonga account there is no registered debit card listed at all. It has been removed by them. She also wrote to the bank recorded delivery instructing them to cancel the cpa their end too, plus any direct debits that may have been set up. She has heard nothing back from them since. This was Natwest whom were very unhelpful. what my theory is is this, although it says on her Wonga page that they will continue to attempt, is this just the bog standard message that appears when someone hasn't paid by the morning, and they have not in fact made any attempts to take payment, and will not do. I think the ball is now in Mum's court and she should now send a payment and keep a record until the debt is paid off. Anyone agree? Or should she be careful about putting any money back into her current account? Thanks, Becky.

Also, did they try to take the card payment even though you had cancelled the CPA? Or didn't you ask them to cancel it?

I'm having the same problem with them, they are flattly refusing to set up a repayment plan unless I ring. Also, their I&E form is not even showing up on the my account section, so I can't even try to set one up online. I have sent them my own but they are now just ignoring me.

And so now, everyone is ignoring me. My bank never replied to my complaint and my request to cancel the CPA and block any attempts to set up any direct debits, and now Wonga are not answering any of my emails. My loan repayment is due this Monday.

Thank you. I've just had this off them... Thanks for contacting us about a repayment arrangement. We can’t set up repayment arrangements over email so please log in to the My Account section of our website where you can set up a suitable and affordable arrangement. If you haven’t got access to the internet or you have any questions, please call us on 0207 138 8331. Please note, we will suspend all collections activities, including any applicable interest and charges, once you have set up a repayment arrangement. So we urge you to set up an arrangement as quickly as possible. How hillarious is the last line? I've been trying to do this for a week now and still they refuse to set one up. Also, the option to do it online is not even there on my account. Driving me nuts!

Had another email and all it says is after reviewing your email, it is clear that the best way to help you is for you to call us. Please ring or let us know a suitable time for us to call you to discuss your situation and help you find a solution. I had told them that I will not be discussing anything over the phone but they are refusing to help sort this out unless I do. I will not be bullied like this. I have made several attempts now to arrange payments yet they don't seem interested in that. They just want to bamboozle me on the phone.

Ok thanks I will keep on at them. Am I right to be worried about them taking payment or am I just being paranoid? If they do not put a plan in place soon I am just going to send my first payment on 1st anyway. I think they're trying to drag it on so that they can add interest and late fees.

After what seems like a lifetime of emails being sent to wonga, I have finally had an acknowledgement that I sent them a I&E form. However, they are now saying that they need to discuss it further and that in order to set up a repayment plan I must ring them. I do not want to, so have said so. Also said that if they are saying they will not set one up unless I speak on the phone, that they should put this in writing. I'm still very worried that they can get their hands on my money as the bank still have not responded and all I have is wonga's word that they have cancelled the cpa. I think they are using delay tactics so that I default on Monday or they can take full payment, taking me way overdrawn.

Well still no payment plan in place. I got an email saying that I must log on and complete the online form and I&E form to set up a plan, however there is no option to do this anywhere on there. It is 7 days before my actual repayment date and I am getting more worried. Also, I have their email saying that they have cancelled the CPA. So, if they did actually take any money now from my card, would I be able to get it back through visa disputes? As my bank is a complete waste of time. They do have my bank details from when they deposited the loans, does this mean they could set up a direct debit?

Hello, I am having problems with them too. I have emailed several times asking for them to set up a repayment plan and constantly asking to set it up asap so that I can pay £125 as my first payment but still nothing. All they have said is.... log on to your account and request a payment plan that way, we are unable to set them up over email. However, when I log in, there is no option to set up any payment plan. Have you tried emailing [email protected] and [email protected] they do eventually reply although tend to totally ignore what you're saying.

Just a quick update.... Wonga eventually emailed back after I had explained my situation and attached the I & E form from national debt line. All they said in the email was.... if a debt management company are acting on my behalf, to get them to email them and that they want a detailed income and expenditure form etc, also no acknowledgement again that I have offered XXX per month to pay off the debt, just that they will hold any collection activity for 38 days. I never once told Wonga that I was entering into a debt management plan etc. So I have replied saying that I am sorting my debts out myself, yet again told them of my offer and attached the I & E form again. I have a feeling that they are just trying to fob me off.

Ok thank you both, feel a little better now and have just emailed them again with an income and expenditure form and an offer of repayment, so we will see what they say tomorrow thanks again.

Thanks, I've got their bank details, I can start making payments this month I am just really worried that they will empty my account even though they say they have cancelled the CPA.

Quick update, got email from Wonga saying they have cancelled the CPA. Logged on to my wonga account and there is now no debit card details showing. But no acknowledgement of my request for a repayment plan. Also, my bank called saying exactly the same as the staff the other day....nothing they can do to stop card payments so looks like another sleepless night for me tonight.

Hi, I'm in the same situaton, I have instructed Wonga to stop the CPA but my bank is not budging, they just keep saying as I gave my card details, it's a guaranteed payment and nothing they can do. Did wonga stick to their side of the agreement and not take any further debit card payments after you told them not to?

Ok thank you, I have sent off my letter to the bank and I've emailed wonga collections and wonga payment instructions. Just had an automated response straight back so far so just waiting to see what they say now.

Thanks Daztomo, so when you contacted them, they were alright about it? Also, if you don't mind me asking, when are you due to start paying them? As I would be worried that they do not stick to the agreement and still take the full amount etc. As you won't really know if they have cancelled the cpa until after the promise date and if nothing is taken. It's all very worrying isn't it.

Thank you, that is very interesting and gives me plenty to put into my letter. It will probably be four pages long! I will keep you updated with everything.

Thank you again for the quick reply. I do feel a little better but still worried over all of this. I will type up my letter/complaint/cpa cancellation all rolled into one tonight and get it sent off tomorrow recorded delivery. Having had a good look over this site, it seems that Wonga are pretty good at setting up repayment plans and that a link for this request will be on the my account page 7 days before my due date. I will opt for this option. I would prefer to pay it by standing order but now I am worrying that if I cancel the cpa before requesting to set up the repayment plan, they will refuse it and just empty my account as quickly as possible instead. Has anyone else who may be reading this successfully set up a plan via their wonga account and did they stick to the payments? Also, did anyone cancel their cpa through emailing wonga but still had money taken? Thanks again.

Ok thank you for that. Would I be better just emailing wonga and cancelling the cpa with them and requesting a repayment plan via standing order? I feel like sending a letter to my bank manager complaining about earlier and saying that if this request is not actioned and a confirmation letter sent out to me, I will be reporting them. Or would I be better just trying to sort it with Wonga and forget my useless bank? I don't think they will budge. They just say that I gave my card details and they only have the power to cancel direct debits and standing orders.

Thank you. Well if they are anything like my bank Natwest, they will be terrible! I went in today with a written instruction to cancel the CPA. However, two different members of staff said that there was nothing they could do and that I need to ring Visa disputes. I said that they should do this by law and they just said that because I had given wonga my card details and entered into an agreement, there is nothing that hey can do. I'm sure this is wrong. Also, she said if there is insufficient funds in the account, the payment would still go through because it is a guaranteed payment therefore taking me £1569 over my overdraft limit and incurring massive charges. Also, she said that if I report my card stolen, the payment will still go through on the cancelled card. So effectively, if wonga do not agree to cancel the CPA, I am in a horrible mess.

Hello I am new here although I have been reading for quite some time. I am in need of some advice. I am a pensioner of 67 and I took out a wonga loan to fix my roof as it was an emergency. However, since then I have been paying it back and taking it out again because I can't afford to just pay it. I've been rather silly I suppose and learned a lesson but I usually have a very good credit rating and until my son told me, I didn't know that taking out wonga loans is actually frowned upon. I am worrying at night in bed about all of this and yesterday I received an email from wonga saying that the way in which they collect payments is changing and they will only attempt to take the full amount twice with the cpa, and after this, they will not make any further attempts by cpa and no partial payments. if I do not have the full amount in my account on the due date, am I safe from being drained by them? What I really wanted to do was write to both wonga and my bank natwest, requesting that the cpa be cancelled. then contact wonga and ask if I can pay this debt off monthly via their bank in cash. Can anyone help as it is making me ill and not good at my age. Also, my son mentioned opening a new account. I really don't want to do this as I've had my account for over 30 years and am happy as it is. I did ask my bank for a small loan to pay this off but was declined. Not sure why though. Many thanks.