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About Me


  1. Hi all, On my Noddle Credit File, I have an entry from Wonga.com. with an opening balance of £704 in 2014. I have never ever used Wonga. It does say Settled, but not without some adverse credit scoring Apr - UC, Jul - 1, Aug - 2, Sep - 3, Oct - 4, Nov - 5, Dec UC. What is this, where has it come from. I haven't made any payments to them ever. Is this still affecting my credit file? Thanks
  2. This is a thread to contain my payday loans, my original one is here: HERE Here is a list of the payday loans i taken out from 2011-2014 (ish) The last contact i made with them was December 2017 as instructed by Redbridge Finance a company who was "supposidly" going to help me claim compensation from them. Wonga Quickquid Payday express Mr lender Myjar The money shop The cheque centre To name but a few, there are probably more but it really hurts my head when i try and think back. I am not being chased for any of the above debts at the moment, and
  3. There is a very real risk those who are owed money by Wonga in compensation for having been lent money irresponsibly may be chased by creditors for this money, whilst losing access to the compensation to which they are entitled. https://www.msn.com/en-gb/money/news/wonga-compensation-claimants-may-lose-out-due-to-automation-plan/ar-BBPkdZX?ocid=spartandhp
  4. Its been a long time coming but one of the biggest PDL firm is about to fall. Part of it has to do with PDL Reclaims... This is a consequence of this... Wonga is on the edge. Grant Thornton could possibly assist with the administration. Remember this is a firm who in 2014, was ordered by the City watchdog to pay more than £2.6m in compensation to 45,000 customers who were sent letters purporting to be from law firms but which in fact did not exist. At this time their site is still offering loans. As per usual CAG advice is to stay away... Further
  5. Wonga going into Administration. READ MORE HERE: https://www.wonga.com/
  6. Hi guys some time ago a friend of mine signed as a guarantor for a friend of hers. My friend has now passed away. Wonga are now pursuing her daughters for the loan as her friend has since defaulted. My question is, can they do this as her estate has now been sttled. ?
  7. I'm not sure if this is the right place to post this. But I felt it important to bring to the forums attention. I've just seen a grossly misleading advert in my Facebook News Feed from Wonga. Whilst this is absolutely true for Parking on Private Land, It is almost certainly not the case for Council Issued Penalty Charge Notices... But it gets better: "Especially when the charges seem extortionate" Pot kettle black there I think... Worth reporting to the ASA??
  8. I am after some advice please if possible Having had a number of loans with Wonga I eventually reached a point I could no longer afford to make the large payment back on my last loan, taken out in February of last year. Before the payment was due at the end of March I raised a complaint of unaffordable lending and asked for a payment plan offering an amount I could afford to pay. Wonga sent me an I&E sheet which I completed and sent back, then I heard nothing from them. Next message was a couple of months later with a threat of court if I didn't pay, which was a s
  9. Hi, I had various loans from wonga in 2011 date - 11/07/2011 amount - £135 interest+fees - £29 date - 03/08/2011 amount - £280 interest+fees - £60 date - 29/08/2011 amount - £523 interest+fees - £172 date - 30/09/2011 amount - £660 interest+fees - £189 date - 28/10/2011 amount - £780 interest+fees - £223 date - 30/11/2011 amount - £973 interest+fees - £179 I made a complaint of irresponsible lending as i regularly was unable to pay bills etc. they have offered me £159.91 plus 8% interest which totals £222.58. Should i take this further to the fos or sho
  10. Hi, hopefully im in the right place im after a little advice without anybody judging me as finding it hard enough already Age -22 (now) Ive had a problem gambling addiction and have manged to cause myself around 10k+ of debt Without the Loans and the credit cards ive been in a vicious circe with payday loans Such as MyJar-2 Loans wonga-11 Loans Piggybank-8 Loans Sunny- 9 Loans Basicly taking one loan out to pay the other ect been going on for around 2 years now and wouldnt like to know how many loans ive received off the above 3. now ive heard stories unsure i
  11. Hi everybody, I complained to Wonga about a series of loans that I took out with them from 2011-2012, that I felt in hindsight, should not have been lent to me as I was in a cycle of taking out payday loans, paying them back and then immediately taking out another to pay for the one that I had just paid. I was in a terrible financial mess, however, I thankfully entered a DMP in 2013, which I am very happy to say is now complete. Wonga dismissed my complaint, so I escalated this to the FOS. The adjudicator agreed with my complaint and gave Wonga until 25th July to respond. Unfortu
  12. Hello, I have accepted an offer from a refund plus interest from wonga. Does anyone know how long it takes for them to process the refund and put the money in my bank account? Thanks Paul
  13. Hello. I had some loans with Wonga. I wrote formal complaint and after 7 weeks I get a letter from them. I'm due to refund. Now I live outside the UK and don't have bank anymore. I have sent them my nominee (friend) bank details and now they are saying that they can't transfer money to someone else. Is that correct? They are asking my bank account details in my country, but the thing is that I have some troubles with that. I had a small refund from them few months ago (technical problems as they called it) and it went to my friends account without a
  14. Hi again to all on the forum Going back around 4 years ago when i was at rock bottom 'well finacially' i stupidly borrowed £500 off Wonga, it was rolling loan over a period of months, i would borrow and pay back on time and re borrow almost the same day etc etc. This went on until i received a letter from Wonga saying that they had reviewed their lending criateria and i would not have qualified for a loan under their new regulations, I do believe that at the time they wrote off many loans however in my case and as many others they cancelled all the inte
  15. 'The payday loan firm Wonga has said up to 270,000 of its customers may have been affected by a data breach. The firm said it was "urgently investigating illegal and unauthorised access to the personal data of some of its customers in the UK and Poland". The firm said it began contacting borrowers on Saturday and was offering support through a dedicated phone line. The information stolen includes names, addresses, phone numbers, bank account numbers and sort codes.....Around 245,000 of the customers affected are based in the UK with the rest in Poland....' http://www.bbc.co.uk/news/busi
  16. I have received an email today that I thought was going to be an offer, but it has completely disregarded my complaint and has a statment that says ” Indication of Financial Difficulties: In your recent complaint you suggested that you were experiencing financial difficulties and we should not have lent to you. As such we have considered your position at the time and have found no evidence that you: continued to borrow over an extended period of time, took out a further loan immediately after repayment, borrowed high loan amounts when compared to your stated income. We are
  17. i had numerous loans with wonga over a period of 3-4 years and other companys and was just borrowing to pay them off . below is my email to them and there correspondence . I have had numerous loans from you between 2011 and 2014. I have been borrowing more often and the amounts tended to go up. Your payday loans trapped me into a debt spiral, with the loan repayment taking so much of my wages that I had to borrow again from you to cover my next month’s living costs. For this period my income averaged about £1000 a month. My living expenses varied but were roughly: rent/mortgage £
  18. Hi, I had a loan written off by Wonga in 2014 for their failure to carry out proper affordability checks. I was told this would be wiped from my credit file. However, I have since found out that although it was removed from two agencies, it still exists on one. I contacted Wonga and they told me that in actual fact, I defaulted on two loans at once (I don't understand how this happened, how I was able to take out two loans at once, but that's for another day). They wrote off both loans, but only removed the default from one. I requested a statement of my account from th
  19. Hello everyone, I had not even realised that people were reclaiming charges and fees from the like of Wonga and quick quid. Back in at the end of 2011 and beginning of 2012 I had lost my job (just as well since they owed me thousands in wages) and been out of work for several months. With the new job I had i was earning £300 a week and was being chased by debt collectors and the courts for outstanding debts (thankfully sorted thanks to CAGGERS amazing help !) I took out several loans between 2012 and 2013 they are listed below. Does anyone have a template or any comments/input/advice at a
  20. Hi I regularly took payday loans out from Wonga as well as many more companies over a period of 4 years. i continually rolled over or paid it off only to have to re-loan the same day. By the time I realised i could no longer continue with this cycle i had loans with 10 companies and owed nearly £5000. I had paid many thousands in interest over this time. All my loans are now paid off after requesting repayment plans. My last loan with wonga was paid in 12 installments the last one being may 2014. When the announcement came at the beginning of october that they were writing off thous
  21. I recently (again) applied for a credit card to do a balance transfer. I was knocked back, which I found surprising so I decided to signed up to checkmyfile to see what had happened. I had applied for some credit cards a year or so back and thought perhaps it was my credit rating, so I did various things to improve it. I have not had any defaults ever or any late payments ever. It turns out Wonga had wrongly report on 25th of Jan 2014 that I had defaulted. Ironically when Wonga had their issues with sending threatening letters from fake lawyers I didn't think this would affect me
  22. Hi Hoping to get some advice on how to deal with complaining to Wonga about my payday loan that is still outstanding. I have tried to talk to them about a repayment option but I'm getting nowhere. I've seen on here some people had a good outcome after complaining. Is there a template I can use to complain that the loan was not affordable to me and I had to keep rolling it over? Or any advice the first step I should take? I've also got a loan with sunny if anyone can help with that also? Thanks
  23. Hi ThereJ ust hoping for a little advice please. I was with a DMP and all was going well (I have a different thread about this). To cut a long story short, they messed me about and I have now managed to set up payment arrangements with 10 of my 11 creditors with very little fuss. The one that isn't playing ball is Wonga. Firstly they didn't respond to e-mails and I kept sending them the same e-mail for 4 weeks. Eventually, on 4 April I decided I would write to them and copy in the OFT and their trade association. I then received a respons
  24. The UK's biggest payday lender - Wonga - saw its losses double last year as tougher regulation in the industry continued to bite. The short-term lender saw pre-tax losses grow from £38.1m in 2014 to £80.2m last year. It has overhauled the way it assesses applications for credit, and extended the repayment term for some loans. However, it suggested 2016 would be a "turning point" in its financial performance. The company, along with other payday lenders, faces tougher rules from the regulator, the Financial Conduct Authority (FCA), which has ruled that customers must go th
  25. Hi all I have a question regarding irresponsible lending. I had a massive amount of loans from 2011- 2014 with them. I tried getting my full my previous loans from the site however. I have checked my email account for all confirmed payment emails. £294.51 on Fri Mar 25 2011 £338.64 on Fri Aug 26 2011 £186.17 on Tue Sep 27 2011 £254.14 on Thu Oct 27 2011 £74.54 on Fri Dec 23 2011 £432.64 on Sun Feb 26 2012 £383.84 on Tue Mar 27 2012 £298.34 on Fri Apr 27 2012 £176.97 on Sat May 26 2012 £305.90 on Wed Jun 27 2012 £404.59 on Fri Sep 28 2012 £1377.68 on Sat Jan
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