wonga need help

[mmmmcc0]

i got a wonga loan last year but did not pay back on agreed date since then i have arranged to pay them 43.75 fortnightly but now cannot afford to pay that i have already canceled my bank card do i now contact the lady who is dealing with it to try and see if i can make the payments smaller or wait until the pass it to a dca please help

[bub1]

Firs thing you need to do is contact Wonga, the person you dealt with in the beginning to set up your arrangement.

Explain what has happened and then tell them what you can pay.

 

If agreed get it in writing etc.,

Once you have done that get back here and let us know what happened.

 

Ask for their bank details to pay money into their bank account, and ask for a reference number to put on it.

I have their bank details if you need them.

 

They may request a break down of what you have coming in and going out.

 

How long has your agreement been running?

 

bub1

[sexybluebell]

I heard that wonga will not do anything but chase. if you don't pay they will write it off.

[theotherside]

I think their may be a problem at Wonga. My payment was due on the 25th but the card was cancelled and they still havent sent an email/text or phone call!

[mmmmcc0]

I have now had an email saying that it will be their last one than it will be going to their solicitors i have tried all week to got the person who was dealing with it but all i get is that person is not in the office what do i do now

[mjc007.5]

Hiya,

 

Bub set me on the road to sorting it out with this lot and they do appear to have been prepared to accept payment arrangements with most folk although you have to be persistent.

 

Between us on here we have bank account details for the firm, specific email addresses (Bub went straight to theire CEO!) and eventually some success in reasonable repayment agreements. Not sure it is good form to post specifics up on here but have a look round the Wonga threads and a well placed PM or two will gain you more specific info for the company. I would not worry about the "solicitors" at this stage, part of the tactics to scare you into paying more than you can afford.

 

Best thing is to persist with realistic and affordable repayment proposals and not be swayed. Start paying them when you have the account details (with reference to track payments and ideally by Standing order so no funny business with your bank account). Do not provide I & E as they will almost certainly not be interested or take account of your priority debts. Advise them that if this arrives in court they are going to get pro-rata payment which is likely to be less than you have offered in the first place. Experience so far has been they will agree to this - if not post back and I would think folk would suggest treat as disputed debt (amount owed and needs to be repayed but dispute how much and realisitc time frames).

 

I am still not aware that any of these have gone as far as court or to date even defaults on file.

 

Hang in there and stick to your guns

[bub1]

Be persist with Wonga.

Dont worry about solicitors etc., they will agree a repayment plan you just have to keep at it. As was said I went straight to the top after fishing around for the details.

 

If you dont have any joy, pm me and we will see what can be done.

 

Bub1

[honey08]

hi bub i have received email as well form wonga as final deman and the same they threatened to take me to court.i've been paying them for almost 3 months now of what i can afford.they wont respond directly to all my emails that i've been paying monthly.i cant call them as i cant afford it.any advise please.

[mjc007.5]

Hi Honey,

 

When you say you have been paying them for three months is this with their agreement?

 

If it is then I would keep paying, email them back reminding they agreed to the repayment arrangement that you are maintaining (if you can quote the original date and text of an email confirming this all the better), insist that they respond confirming this is the case and wait for their next step.

 

If it is not, I would still keep paying the monthly amount you can afford but respond with some of the tools at your disposal here (if not already) - CCA request, telephone harrasment letter, doorstep visit letter (or merge the two). Complaints - OFT, FSA, Trading standards. Tell them you are disputing the charges which have been added since they have frustrated your attempts to maintain a resonable payment plan by their refusal to respond.

 

If they do actually get brave enough to take you to court they would have to justify interest rates and be open to attack around unfair contract terms and to now experience suggests they simply will not go there. Also bear in mind that if you have worked out a realistic I&E (either yourself, with the help of folk here or via one of the free providers) and have been paying them the amount you can afford from that it is VERY unlikely that any judge would find in their favour. Going to court in many ways potentially then makes them more vunerable.

 

In the meantime, keep away from speaking with them (unless you are able to guarantee that that the only thing the conversation is about is confirming they are accepting your payment arrangement) and hang in there

[bub1]

Honey, what you need to do is write (Email) them and say that you have been paying x amount and they have never refused payment. Also, state that you cannot afford what they ask that is why you are paying what you can. Then get them to set up a payment plan.

 

Do not ring them. Email everything you have copies then.

 

Tell them you will be talking to government bodies with the view to having them investigated as they are taking your money but refuse to set up a regular plan.

 

Bub1

[mmmmcc0]

i received an email thanking me for paying back my loans which i have not when i went in to the site and logged in it was going to let me reloan which im not going too

[bub1]

I think you should not be fooled with this email etc.,

If you still intend to pay back the loan you had with them either put the money into an account so that you can say to them if they chase that you want to pay the money back and have so much towards it. Or pay it direct into their bank account putting the reference as your name.

 

bub1

[robjam1969]

Hi mmmmcco

 

Bet they were after your bank card details.

 

Rather than reloan you they probably had other ideas

 

Never trust them

[la2006]

i received an email thanking me for paying back my loans which i have not when i went in to the site and logged in it was going to let me reloan which im not going too

 

I also got that email yesterday - they most likey had another system email error. They sent me another email today saying it was an error and they will get a DCA on my case - but this account is still in dispute with the FOS ( who are taking their time)

[bub1]

I also got that email yesterday - they most likey had another system email error. They sent me another email today saying it was an error and they will get a DCA on my case - but this account is still in dispute with the FOS ( who are taking their time)

 

 

 

Hi, write to Wonga (email) and state that your case is with the FOS and if they refer your account to DCA then you will also tell the DCA that your case is with the FOS. You could try chasing up the FOS to see what is happening.

Have you actually paid wonga anything?

 

Bub1

[EBOY]

ditto with email. Can say much but sent them a very nice reply saying it was good to hear from them for a change. ERROL you should be consistant in what you say! YES THAT IS A MESSAGE TO YOU ERROL DAMRON or whoever you are!