Wonga.com debt claims

[stillme]

I have used Wonga.com for monthly PayDay loans for the past 26 months. I realise that their charges are high, but application is very straightforward and precise cost is made known before you confirm the loan.

 

I have never had any trouble with the company prior to this month, but, in January, I changed my bank account debit card from a Maestro to a Visa Debit card. I duly updated the primary payment card details on my Wonga account to match the new card and I thought that would be the end of it. I was then able to borrow an amount in early February because my account at Wonga showed as paid up for January. However, Wonga then started sending me emails and postal letters saying that they had been unable to collect the settlement for my January debt. Eventually, over a week ago, Wonga took the owed amount, plus some eighty extra pounds, which I presume was their charges for alleged default and extra interest from my bank account. Although I have emailed them perhaps eight times they continue to harass me by email with the following letter demanding payment of nothing!!!

 

We wrote to you recently to advise that your loan repayment was declined by your bank and was overdue. We have still not received payment from you and your account is now in serious arrears. You currently owe -£0.00.

ACT NOW!

Interest is continuing to accrue on your loan so we urge you to contact us as soon as possible. Give us a ring straight away on 0844 842 9109 to discuss the matter and settle your arrears. We can then get your account back on track and you we can rebuild our trust – it’s not too late to do this.

 

 

PROTECT YOUR CREDIT RATING

Remember the ongoing risk to your credit rating by not repaying the money we gave you. Your credit rating was clearly good enough to borrow from us, so we urge you not to risk damaging it by not taking any action.

Continued non-payment will cost you more and you may also face formal action from us to recover this debt. Call today to avoid this.

 

 

Yours sincerely,

Collections Department

(Edit)

 

I cannot use the phone because I am deaf and they will not allow anyone else to speak to them on my behalf.

 

Can anyone suggest a solution to this, before they succeed in ruining my credit record over a debt of 0.00 pounds?

 

Thanks

 

stillme

Edited February 7, 2010 by maroondevo52
Removed commercial link.

[Rooster-UK]

I cannot use the phone because I am deaf and they will not allow anyone else to speak to them on my behalf.

This is to your advantage.

We always advise keeping ALL correspondence in WRITING only.

You then have a permanent record of exactly what has and has not been said.

Also, phone conversations often lead to people making unrealistic and unresonable promises because they feel under pressure.

 

I will move this thread into a forum where you should get the help that you need.

[robjam1969]

Hi Stillme

 

Unlikely Wonga will register anything with CRA's. Just keep an eye on this.

 

I would write to them as a formal complaint and give them a set time period to resolve. I would expect my £80 back.

 

However whilst they have your bank details I would be tempted to report card lost/stolen and get a replacement. Who knows if they may 'dip' in to your account again.

 

Sounds like they have a lost a 'rare' satisfied customer.

[trev1865]

i informed wonga i would be missing a payment and requested a payment plan with no telephone conversations just email or writing only.

at first i got a couple of the usual standardised letters saying to ring them but eventually they gave in and emailed me a fair repayment plan online.

that was ok but after i agreed to it i got 3 other emails presumably from a different section of wonga one saying ring us,one saying repayment date was different and one with a monthly payment in dollars!

i had already scanned forums like this and realised the solicitors letters they send are totally bogus and ive yet to know anyone they have sent bailiffs to or to court.

getting money back they have nicked from your bank might be trickier..just make sure they deduct it from you agreement plan.

[EBOY]

agree with everything above. I believe this company should have their lending license revoked.

[EBOY]

Just wondering if there is any update on this case. Wonga are good at spinning their own views/ It's just a pity they don't listen to complaints!