I want to send the letter to wonga asap. Sorry for the constant (word) it is just im very stressed. Any help is welcome

Hi, fko thank you for the response, hope you can help me further. Thanks a lot. I have mentioned the details below: Statement 1: Agreement Date: 27th August 2014 Loan: £120 Top Up: 27th August 2014: £30 27th August 2014: £22 27th August 2014: £33 31st August 2014: £25 31st August 2014: £25 Total Loan amount: £255 Total Repaid: £331.91 Statement 2: Agreement Date: 14 June 2015 Loan: £300 Total Paid: £5 Total Outstanding: £357.40 Statement 3: Agreement Date: 6th August 2014 Loan: £22 Total repaid: £28.33 Statement 4: Agreement Date: 21st May 2014 Loan: £60 Total Repaid: £83.19 Statement 5: Agreement Date: 20th June 2014 Loan: £102 Top Up: 27th June 2014: £10 09th July 2014: £15 09th July 2014: £10 10th July 2014: £20 11th July 2014: £15 14th July 2015: £27 Total Loan Amount: £199 Total repaid: £262.75 Statement 6: Agreement Date: 28th December 2014 Loan: £100 Top Up: 28th December 2014: £100 Total Loan Amount £200 Total Repaid:£251.20 Statement 7: Agreement Date: 29th January 2015 Loan: £300 Total repaid: £386.16 Statement 8: Agreement Date: 06th October 2014 Loan: 250 Total Repaid: £273.39 Statement 9: Agreement Date: 22 July 2014 Loan: £225 Top Up: 23 July 2014: £123 25 July 2014: £10 Total loan amount: £358 Total repaid: £399.46 Statement 10: Agreement Date: 17th May 2015 Loan: £252 Total repaid: £304.41 Statement 11: Agreement Date:15th August 2014 Loan: £35 Total repaid: £41.72 Statement 12: Agreement Date: 19th August 2014 Loan: £25 Top Up: 24 August 2014: £17 Total loan amount: £42 Total repaid: £55.92

Isn't the forum there for providing advice? Just saying...

Anyone?

final ones Please refer to the statements posted in the last 3 posts. Statement of accounts from 1-12. Statement of Account 11.pdf Statement of Account 12.pdf

more Statement of Account 6.pdf Statement of Account -7.pdf Statement of Account 8.pdf Statement of Account 9.pdf Statement of Account 10.pdf

further Statement of Account 1.pdf Statement of Account -2.pdf Statement of Account 3.pdf Statement of Account - 4.pdf Statement of Account -5.pdf

Statements from Wonga do I have a case?

Well I have limited experience as I myself is in the process of having to dispute the loans lent to me. But from the details you have given me I think that's a huge mislendage from these lenders. I am static, that you payed all this amount. This is a big case of mislending and should be investigated asap. Plus you should start disputing it with the lenders. Make a start with getting the Statement of account from each lender. Hope some expert on this forum in this field will helpful you further. Thank you

2 emails sent.

Thanks. Whats the timeframe for getting a response?

Boss is the letter good to go now? I will expand on my points more Also can you please provide me with payday uk's ceo email.

I have added the extra points in bold, thoughts?

Address Address Address Post Code Date Formal Complaint Regarding Irresponsible Lending Loan Ref; xxxxxxxx & xxxxxxxx I wish to log a formal complaint in relation to irresponsible lending with has been caused by company. I wish to start by saying that as you are formally aware, the FCA took over regulation of the credit market from April 2014 and then imposed caps on all high-cost short-term credit (HCSTC) in 2015. These rules were set to stop irresponsible lending and they included; - Affordability checks for every credit agreement to ensure that only consumers that can afford a loan can get a loan. - Firms that do higher risk business and pose a greater risk to consumers will face a tougher supervisory approach. Specific rules for the payday sector have been proposed and include: o Limiting loan rollovers to two; o Limiting the number of attempts by a payday lender to use CPAs to pay off a loan, to two; o Information on where to get free debt advice will be given to every borrower that rolls over a loan - Treat Customers in Arrears more fairly. - Do not relend to customers who appears to have taken numerous loans in a short period. - Report information correctly to the CRAs. But also the FCA also stated that lenders should implement their own policy and also change how they lend to customers. Well I believe that you are in contradiction of that because; - Both before and after the regulation dates, you were lending to me on a near monthly basis across the board as shown in a monthly statement. - You did not do appropriate checks on where the money was being sent to. Should you have asked to see bank statements, you would have seen that this money was being used for Gambling purposes - Should you have done the appropriate affordability checks at the time of every loan, you would have seen that I would have had more than 1 loan on the go. - On my CRs, I can see you carried out credit check, and you didn't flag up the numerous other loans that I had along with the £23000 car finance loan - I was using these loans to pay off other loans to **Companies** and this ended up creating a spiral of debt. - When you performed a credit check of my credit report you would have seen I had a £23000 car finance loan, this again breaks your affordability checks. It means correct checks were not made at the time of the loan I was granted - When I was given the loan I was unemployed and was a university student - Now I am also aware that Callcredit offered an update to their reporting facilities where it would essentially be Real Time Reporting. But I am also aware that under these loans, the actual product being offered changed from a pay day loan to a revolving credit facility. From that you should have still seen that I was constantly in and out of using these. I am bringing this to your attention because I believe that you as a lender have not followed treated me with Due Respect or Due Diligence and I believe that I am now in this position because you continuously lent to me. **Input Summary of Loans Here** I will be reporting this to the FCA for breach of the new lending practices and also because you didn’t do the appropriate checks at time of lending etc. and after every withdrawal which should have been done. Should you wish to contact me; **Name** **Address** **Telephone** Kind Regards Payday

Ok got it income and expenditure. No I don't think i lied at all as far as I know. I can't remember whether i stated my car finance loan and insurance or not. Do you think it's better to leave this point out?

Fko can you please tell me what does I+E stands for?

The lenders shouldve seen the car loan and the payday loans that i took on my credit file?

Yes thats my point i took out car finance on nov 2014. And these loans were taken out from may-august 2015. So surely they couldve seen my credit file

Do you think it would be better not to mention that point?

they didn't ask me about any outstanding loans when i did the application

Will the above point put extra weight on this case?

Alsoi wantedt to mention when i was given all these loans i still had a £23000 car loan. So i was paying £520 finance each month

Hi thanks for the response. Yes i did give them notice. They still tried to take out £57 from my account. Then immediately I cancelled the direct debit. What if they sell my debts to a dca then they will put a default on my credit file?

Just a quick update here. Sky said they have reinstated the £56 charge. And that i need to pay it as soon as possible as it will go to a DCA again. Sorry i am abit paranoid, if this goes to a DCA is it 100% that they won't touch my credit file? Sorry for querying again. Thanks

I will use the letter you have provided..i will modify it and add my circumstances. I will post it here once done when you can give it a final check. Again sorry and thanks a lot for all your help.