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    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
    • It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further.    
    • This must be part of the new tactic from Evri.  They know they are going to lose. They take it to the wire and then don't bother to turn up in order to save themselves costs and of course they don't give a damn about the cost to the British taxpayer and the extra court delays they cause. This is a nasty dishonest company – but rather in line with all of the parcel delivery industry which knows that their insurance requirements are unlawful. They know that their prohibited items are for the most part unfair terms. They know for the most part that a "safe place" is exactly what it means – are not left on somebody's doorstep in full view. They know that obtaining a signature means that they have to show the signature not simply claim that they received a signature. They are making huge profits especially from their unlawful and unenforceable insurance requirement. Although this is less valuable than the PPI scandal, in terms of the number of people who are affected nationwide, PPI pales into insignificance. I hope the paralegals working for Evri are proud of themselves and they tell their families what they have done during the day when they go home.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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You can get an online account with the Halifax which doesnt go through a credit check, then get your salary paid into that, keeping the old account open to put payments into. That way you should be safe from the 'unintentional' taking of your money.

 

I would ignore QQ by phone as their operatives are Canadian based, if they do get nasty tell them you have their details and will be reporting them to the Canadian government as working for an illegal trade... that should help shut them up for a while, remember it is only the Canadian ones this applies to.

 

Emails should be kept and replied to within a few days, they are all automated and there is no point trying to get through to them - they have no compassion, only greed.

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thanks robjam, i bank with lloyds tsb and have read storys that even though u get a new card and i have cancelled DD they can reinstate without me knowing and still take money from the old card, is this true? any1 know if you can change account number and sort code by just calling and asking?? ive recieved an email from quick quid saying urgent action required as ive cancelled the DD. do i email them now asking for payment plan or wait till i default?

 

Only a few payments are forced through on cancelled cards but no consolation if it happens to you. The only 100% safe route is to take Sillygirls advice and set up a new account. Quick Quid have been known to reinstate direct debits so you will need to keep checking and cancelling if needbe.

 

Keep your money safe and they will have to negotiate. QQ will only negotiate if you can pay over 3 months so you might have to wait until they pass to DCA.

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Only a few payments are forced through on cancelled cards but no consolation if it happens to you. The only 100% safe route is to take Sillygirls advice and set up a new account. Quick Quid have been known to reinstate direct debits so you will need to keep checking and cancelling if needbe.

 

Keep your money safe and they will have to negotiate. QQ will only negotiate if you can pay over 3 months so you might have to wait until they pass to DCA.

 

 

quick update, ive opened up another account but my wages department at work said they cant guarentee it will go in my new account so il just have to wait, yea i noticed that WDA reinstated the DD but il just keep cancelling. il update after the 29th, thanks again for the help, much appreciated

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Another update, ive just spoke to my bank and have asked them if they can block these companies taking payment but got told they cant as the debit card was used as a guarenteed card payment or summit like that so even though i have a new debit card they can still use my old card details to gain payment. can any1 else clarify if this is correct? the lady i spoke too also said that if i ring the companies and ask them not to take payment and then they do then the bank can step in and get the payment back, they also advised me to give citizens advice a ring as they can ring the companies themselves. Im only doing all this as im not 100percent sure my wages will go in my new account next week. can any1 clarify any of this, help is much appreciated.

 

thanks

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i just read thru these forums and what i have seen sickens me. I have a friend who is about to go thru what you guys seem to have had to endure. i started a post on the site but what you have said here seems to be good advice. Just shows you how much trouble you can find yourself with these companies. my friend is with quick quid and she has already start getting threats. its only been 3 weeks. these companies pray on people in diffcult circumstances and then circle likle vultures when they inevitable cant pay up. something needs to be done. thinking about tasking my fiends case to the CAB or better still one of thoese consumer programs. If anyone is interested let me know

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I really feel for you tillytiger, I myself have got into a bit of mess with these payday loans.

 

It started off with some money to tie me over then got out of control.

I ended up borrowing to pay off the previous loan.

Then I moved to England for a new job that fell through.

With no job, I've been stuck.

I haven't borrowed of any other companies & have since found work (I get paid next month) which will solve most of my problems.

 

But I owe Quickquid £300.

The money is due next week, I cancelled my direct debit ages ago, & they've sent me a few emails reminding me that the payment is due.

Am I safe?

I mean because I cancelled the direct debit, I was hoping to not pay them then pay it all off & whatever interest I get in Feb.

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cancel your card and get yourself in a payment plan. pay only into their account directly, no other way.

 

if you want you could set up a payment plan for £20 a month and send 20, £1 checks just to be awkward....they have to accept them and usually charged around a £1 to cash :D

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Thanks for the advice! LOL that's really clever!

 

I emailed them over the weekend telling them that I closed my account (I haven't) & that I didn't have the money.

 

They got back saying that the account would go into default status, & I should contact them as I am a valued customer.

 

The money should have been paid yesterday - they haven't tried to take the money out as yet!

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  • 4 weeks later...

hi guys. still havent got anywhere with wonga or quick quid. just automated emails daily.

 

payday offered a payment plan but wanted 7 times more a month than what i offered. told them couldnt do it and we are now getting letters and emails from keyes whitlock regarding this loan.

 

they will not accept what we are offering either,

 

wonga are awful as both of our wonga loans are now double what thhey were.

 

none of them listen and dont know what to do anymore.

 

because of personal problems i am having trouble concentrating on any of it but need to do something as i could do without the extra strress.

 

wonga and quick quid will not give bank details so cant do standing orders. they just say i have to phone them.

 

we have a debt management plan with payplan but they wont help us as they say 3 contractual payments have to of been paid on a debt before they can take it on but there isnt 3 contractual payments???

 

 

any advice. ive actually developed grey hairs recently and am only 32!!!

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Hi Tilly

 

Wonga bank details are on the sticky at top of the forum. PDUK details are also on it if you need them.

 

You are doing fine. Just keep going. Wonga can 'want' what they fancy, doesn't mean they will get it. They will have to reach agreement in the end. Keyes Whitlock the same. keep it all ojn your terms, remember you are the one in control here as they can only have what you will pay them.

 

Just stick to your guns.;)

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Hi ive also got into the horrible payday jungle :(

i owe ptp, and i have cancelled Direct debit, and been checking all week, i get paid friday 26th, and can see they have not set it up again, or sent me emails or called after i cancelled it. Im gonna repport my bank visa card lost / stolen tomorrow. But i am worried something can stil go wrong so they take the money.

I also need to take the money out of my account on friday. But rules are that direct debit has to be set up at least 3 banking days before they get taken, isnt this correct? hope someone can calm me down :) Also i will still be able to take out money on friday in barclays as long i bring my identification like passport or driver license?

Also in trouble with UncleB etc.. really worried and afraid. Because i cant let my fionce know that ive messed up again. I just want to get back on track, and get them paid off trough a debt collector, just dont want her to find out :(

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Hi paaske

 

Direct debits can be set up the same day they are presented, they can also be cancelled by you if you spot them. Most banks will let you withdraw if you can prove your identity.

 

It will be difficult to keep from the other half as they will happily discuss your business with her if she answers the phone. I hate to say it but sometimes it pays to come clean- only from personal experience.

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Direct debits can be set up the same day they are presented, they can also be cancelled by you if you spot them

 

Same day they are presented? i dont quite understand? :)

If a direct debit has been set up, and i have cancelled it.

Do You then mean they can just set it up again like tomorrow thursday, and money will be taken after midnight? that cant be clearly correct? hope someone can calm me down? :(

I have to rapport my card lost/stolen tomorrow thursday with Barclays.

Which means i wont be able to acces my internet bank until i get new card :(

But if they set it up, then they wont be able to take money trough direct debit until the next agreed date correct?

I have just read some rules around direct debit, and if i cancel agreement or delete it from my internetbanking.... then it has to be setup at least 3 days before amount gets taken.... but what now if they like next week set it up, can they then take amount before the 26th which is in the original direct debit contract (agreement) ?

Hope someone can give quick answer :)

Thx.

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Direct debits can be set up the same day they are presented, they can also be cancelled by you if you spot them

 

Same day they are presented? i dont quite understand? :)

If a direct debit has been set up, and i have cancelled it.

Do You then mean they can just set it up again like tomorrow thursday, and money will be taken after midnight? that cant be clearly correct? hope someone can calm me down? :(

 

If the worst happens and they set up a new direct debit which you do not spot in time then immediately telephone the bank and ask for your money to be refunded under the direct debit guarantee. The only problem with this approach is that the bank may not always understand their obligations under the guarantee scheme and may try to argue with you, but stick to your guns

 

The way the guarantee works is that 1) you have to authorise a direct debit being set up and 2) the amount taken has to be according to the terms agreed between you and the company when YOU authorised the direct debit. Anything not done according to these terms MUST be recalled by the bank and IMMEDIATELY refunded to you

 

If the bank refuse to refund you immediately you then simply take the matter to the Financial Ombudman

 

There is a similar provision for ongoing debit and credit card authorisations. If you have notified the company that they are to take no further sums from your debit/credit card and they do then the bank must, within a "reasonable" amount of time, refund the money to you. It is for the bank to prove that you authorised the debit, not for you to prove you didn't. However, if you have already written to the company (preferably by recorded or special delivery) you will have the proof that any authorisation was rescinded

 

The major problem would be that if you have insufficient money to start with it can be very stressful trying to manage while you fight to get your money back - but you WILL get it back as it will have been taken fraudulently

 

The best advice is always the advice given earlier in this thread. Get a new account with a different bank and have your wages paid in there. That way you are 100% safe. Also make sure everything you say to the loan companies is in writing and sent by recorded delivery at a minimum

 

The legislation you need to fight the bank if this happens to you is the Banking: Conduct of Business Sourcebook which you will find at FSA Handbook - Full Handbook

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  • 1 month later...

well update. not getting anywhere with wonga and both loans have now doubled in size. i came to an arranngement with payday and am paying them £40 a month by standing order,

 

my husbands payday and quickquid have been given to mackenzie hall. any tips on how to deal with them. they seem aggressive. wont accept payment plan.

 

are they an independant debt company?

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well update. not getting anywhere with wonga and both loans have now doubled in size. i came to an arranngement with payday and am paying them £40 a month by standing order,

 

my husbands payday and quickquid have been given to mackenzie hall. any tips on how to deal with them. they seem aggressive. wont accept payment plan.

 

are they an independant debt company?

 

Hi Tilly

 

Yes, they are not related to QQ.

 

Lots about these vultures on the DCA forum. Worth you having a read to see how best to deal with them.

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Hi tillytiger

 

I to am in a mess with loads of these companies. Im a working single mum of two. I took out the first loan then another etc just like you did. My income then dropped and i cannot pay. It is horrible and I can relate to that constant sick feeling in the pit of ur stomach.

I havent read all the posts, so sorry if im repeating myself. This is what the cccs advised. Cancel all cards if possible change ur account.

They will try all sorts of tactics to scare you............dont let them. You are within your rights to tell them to remove all ur phone numbers from their records and only contact you by mail. Im sure payplan have template letters for this kinda thing. As long as u pay them a pound a month there is not much they can do.

This is what I have done.( I owe to at least 10) They still try it on now and again but I no longer enter into debate with them. I just send a £1

I phone the CCCS for advice now and again when Im feeling vunerable and they really put you at ease. I recommend trying them.

Oh also, I was told by cccs to never send cheques as they are not secure. But to set up standing orders as you then have the control.

These company are the absolute pits, and are nothing more than bullies. They have never visited me in person although they have threatened it.

 

So tillytiger I know its a horrible thing to be dealing with. But you are not alone. Im amazed by how many people are in the same boat.

 

The best advice i ever had was to contact CCCS who are totally impartial. (i heard a rumor that payplan recieve its funding from lenders!!!!!!!! which isnt very impartial). Apologies if this isnt the case but i was told this by a large financal institute.

 

sorry if ive gone on a bit. But I have so much I would like to say about it all.

Take care.

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well update. not getting anywhere with wonga and both loans have now doubled in size. i came to an arranngement with payday and am paying them £40 a month by standing order,

 

my husbands payday and quickquid have been given to mackenzie hall. any tips on how to deal with them. they seem aggressive. wont accept payment plan.

 

are they an independant debt company?

 

Hi Tillytiger,

 

Hope this helps with wonga,

 

Email [email protected], he's their director and copy in [email protected]. Entitle your email 'formal complaint'. Put down your proposal, and state that you've been informed by the office of fair trading that the offer is reasonable if you state in the emails your in financial hardship. The reason for this is, I did have a genuine problem with wonga in the fact I did have genuine fraud on my account so my bank cancelled my card. I informed wonga way in advance and got their account details to pay the money in. On the day of repayment, my new card arrived, but wonga wanted an extra 10.00 because my card had been cancelled.

 

I went to the oft, they just told me to deposit the money in their account but they said that wonga by law had a duty to act on any correspondance that had 'formal complaint' written on it. There is a big lack of customer services in wonga's organisation and I got a call from the head of wonga called vicky and I still have her details if you need them. She was extremly apologetic and I got the interest refunded.

 

If you get no where let me know and I will pass on vicky's email and phone number so you can ring her in person. She is genuinly the head of their customer services actually based in there secrative head office.

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