Not been notified properly?

[nikki1982]

Hi,

I had a payday loan with Wonga and defaulted on it.

I had received countless emails from them telling me this and that.

Anyway to cut a long story short, I received a phone call on my landline phone, and it was a text message sent through from a DCA asking me to ring them. I didnt know at the time it was a DCA when I took a note of the number asking me to contact them.

I rang the number and was told it was in relation to this debt I have with Wonga.

I have not received any post stating that this debt has been passed over.

Should I have been notified with a letter instead of a text message sent through to my house phone?

Any advice appreciated!!!

[spamheed]

There are an awful lot of rules which cover the ownership/transfer and enforcement of debt, these companies ignore most of them because nobody wants to attempt to take proce3edings against them.

 

You should have been informed that the debt was being transferred/sold to a DCA, in all likelihood, the DCA is acting on behalf of Wonga.

 

You could request a copy of the CCA, howver my personal opinion is that I would simply tell them that since I do not know them and I have never had a financial relationship with them, then in line with government recommended practice I would never discuss my private financial affairs with them.

 

ideally put it in writing. Then you can prove that you have acted correctly