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Hi - I have a payday loan with Wonga The loan was for about £600 but due to money problems and job problems over a 3 month period they have managed to add over £1500 in charges i now owe £2187.70 They are adding on £150+ per 5 days i have tried to talk to them but they just demand the whole lot, Can anyone give me any advice on how to deal with this, Many Thanks

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Stcik to your guns. I had the sam etrouble with Wonga and they did add on over £700 pounds worth of charges, they wont listen to your offers of repayments and will basically say anything to get you to pay. Do not speak to them over the phone keep it all in writing. Albeit they will not reply but all letters send recorded and all emails keep in your sent becasue you can then prove you have tryed sorting it out. They will pass to PDP management services who i am dealing with now but this is after a good few months. They are really easy to deal with and accepted my offer of £30 per month no problems, I am just trying to negotiate about the rest of the amount but that a different story lol ;) Just please try not to worry i used to be so scared of these companies but thanks to the people on here i am really confident in dealing with these. Oh yea and you haven't done so already "lose" your card because they will drain your wages as soon as they hit. I learnt thjis lesson had about 300 quid taken once at about 2:30 in the morning coz its done by computer! :mad: you will feel so much betetr once you are in control of your money again just dont let them get you down becasue they will try. At the end of the day you can only afford what you can afford don't be bullied! Hope i have helped x

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Well said Sue.

 

I would also add that, if they are ignoring your emails (which is what they do best), then why not set up a standing order and pay a monthly amount that you can afford directly to them. they won't refuse the payment and you then are in control about what you pay and when. I have done this and only paid back the amount borrowed. I am waiting to hear from them about the dubious balance of charges ;)

 

Pm me if you need their bank details.

 

:)

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  • 2 weeks later...
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  • 5 weeks later...
Stcik to your guns. I had the sam etrouble with Wonga and they did add on over £700 pounds worth of charges, they wont listen to your offers of repayments and will basically say anything to get you to pay. Do not speak to them over the phone keep it all in writing. Albeit they will not reply but all letters send recorded and all emails keep in your sent becasue you can then prove you have tryed sorting it out. They will pass to PDP management services who i am dealing with now but this is after a good few months. They are really easy to deal with and accepted my offer of £30 per month no problems, I am just trying to negotiate about the rest of the amount but that a different story lol ;) Just please try not to worry i used to be so scared of these companies but thanks to the people on here i am really confident in dealing with these. Oh yea and you haven't done so already "lose" your card because they will drain your wages as soon as they hit. I learnt thjis lesson had about 300 quid taken once at about 2:30 in the morning coz its done by computer! :mad: you will feel so much betetr once you are in control of your money again just dont let them get you down becasue they will try. At the end of the day you can only afford what you can afford don't be bullied! Hope i have helped x

 

Hi

 

When your account got passed to PDP, were you able to negotiate the overall amount due to be paid back?

 

eg, i originally owed £398, and 2 months later this balance has now risen to £800 wiht interest/charges. By the time it is passed to a DCA it will be over £1000, which is just ridiculous.

 

I don't mind paying back the £398 in installments, or even a wee bit more, but im not paying back over £1000.

 

Are PDP likely to agree a lower outstanding starting balance if a plan is set up? Did anything like that happen with you?

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