La2006 VS, Wonga

[EBOY]

This company makes the FSA a laughing stock. What gives them the right to completely ignore complaints/correspondence, what gives them the right to lie about so called "solicitors". My complaint with the fla has got no where because Wonga refuse to cooperate.

 

Its about time the Government took action against these sorts of companies.

[sillygirl1]

Lets not forget their use of Marstons to collect debts which have not been to court - that rather fell flat (and must have cost them a bit). Sending out an email with over 600 names on it must be illegal - but of course they know the 'loopholes' and their employees aren't employed directly so that is another [problem].

[la2006]

I sent a scanned copy of my letter from Wonga to FOS. The FOS replied that they will send a letter to Wonga to put any debt collection on hold while the account is in dispute. Hopefully Wonga will get the message.

[reddennis]

I have used them and they were fine ?

Summary backgorund:

 

In November 2008 took a £87.00 loan out with Wonga.com, the repayment amount was meant to be £119.00 after 30days. I lost my job ( temporary contract) in December so could not repay this loan back.

 

Wonga in the space of 9 weeks have taken this from 92.50 to 320.00

 

I wrote to them on 15 Jan with a formal complaint - which they have not replied to. other than sending further demands for payments via Chainey D'Amato Shannon Consumer Litigation department.

.................

[reddennis]

[reddennis]

ok thanks

[la2006]

Well finally I got the FOS assessment on my complaints regarding the extra £400 plus charges WONGA tried to get from.

 

Basically, FOS agreed that WONGA was in breach of OFT DC guidelines instructing third parties to collect the debt after I offered a repayment plan, and disputed their charges and not providing a breakdown of charges or a statement of account.

 

FOS said that I didn't provide them with enough evidence regarding my unemployment ( so if you offer a payment plan, send a copy confirming your recieving benefits letter ( in my case JSA), and by recorded delivery so you have proof).

 

On conclusion FOS said " Overall, it seems clear to me that the business has fallen short in its obligations to you...."

 

The important bit: Wonga have agreed to remove all the extra interest and charges and agree to the offer of full and final settlement of the original loan amount ( the same amount I had offered in March).

[sillygirl1]

Congratulations, they sent the alleged debt I had to Gothia Limited, who sent a 'statement' stating

 

Debt £875.00 Original Sum £450.00 Special Discount Price £250.00

 

and after much emailing on my part settled for £100... I did point out that their 'client' took money from an account I had and didn't let them know this, and had money from a DMP which they refused (which I still must chase up what happened to that) and eventually caved in.

 

I think that the more the FOS are aware of these companies and their 'fees' and 'habits' the better.

 

I am continuing to get emails and texts from this type of company and have no need of their services anymore. I am not going to fall into the other trap of getting a clean credit rating to build up credit again, it just is not worth the hassle.