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Zhank

Wonga taking more than agreed

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Hey all,

 

Basically, I took a Wonga loan out a while ago and thought it was paid back successfully however I started getting notices through that it hadn't. The original amount I took out was £150, 80 days later they are asking for £650 which I didn't have. So I phoned them up, explained the situation and we came to an agreement that I will pay back £100 this month, then £220 the next two months. Bringing the total repayment amount to £540.

 

This was still extortionate but I preferred the idea of just getting it behind me. I double checked we agreed on £100 and got him to confirm.

 

A few days later, they took £100 from my bank account in one charge then another £130 on the same day? Can they do this and leave me in financial issues after we came to an agreement? (foolishly not in writing it seems).

 

I'm temted to phone them on Monday (of course they don't operate good Friday, nor the weekend =/) and tell them that as they took a different amount than we agreed upon and that it was over the original loan amount that the matter is considered settled? Do you think this has any chance of working? :)

 

Any advice is appreciated - it's not that they took more than they should, it's the fact they took more than agreed and left me unable to pay some other bills this month which they were fully aware it would do.

 

Thank you!

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Ok, forget about phoning them log on to here

FLA :: Consumer finance :: Consumer complaints

 

make a complaint telling them your story. Point out that they have left you within not enough money to cover "essential living costs" which contradicts the FLA lending code.

 

Did the letters come from Chainey, D'amato and Shannon?

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While ever Wonga have your card number they will dip into your account any time you feel like it. People have had their accounts cleared out by them in one day. Report your card damaged to the bank and ask for another one - that's the only way to stop them. You can then arrange to send them payments by post or by standing order.


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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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EBOY: Thank you, I think I'll do that! Yes those letters did indeed come, up until the letter before action they sent me.

 

Ell-enn: That will be a big inconvenience, is there nothing else that can be done to prevent them dipping into my account? My bank advised me that after contacting the company I can fill out a Visa dispute form but I'm not sure that'll get anywhere.

 

 

Thanks for the replies!

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Zhank,

Add to your complaint that the solicitors letters are adding unnecessary pressure as you are aware that no-one can find these solicitors.

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I've been having a similar issue to this with payday express they have been chasing money off me by phoning my work place ever few days although the debt was officially cleared over 2 weeks ago now, i no this is an old thread but I'm just going to say what ever the OFT have been doing over the past years has not stopped, payday express or wonga from carrying on with their ways.

Edited by Ceri Thomas

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