Wonga/Barker and Lowe - HAVE SENT THE BAILIFFS?

[Willo53]

Hi,

 

I wanted to run this one past you and to garner some feeback on your thoughts.

 

I had a phonecall from my mum in work today who said she had seen 3 people knock on the door with a letter in their hand and after a couple of knocks and waiting they departed together and jumped into a car and drove off. She is absolutely convinced these were bailiffs knocking at the door and as a result I am receiving it in the neck.

 

The only culprit I can think of is Wonga who I have a plan of £80 per month on a £200 loan turned into £420 with their immoral interst. I only paid £40 last month and gave valid reasons why. I never received an email from the guy I was dealing with, even after I fowarded the email on again 3 days later.

 

I have received no court orders or letters threatening bailiffs so I think its is a bit of long shot to be honest, has anyone else had similar problems akin to this?

 

Cheers

 

W

[progress3]

Hi,

 

I have had a client in a similar situation which like you was not awear of any situation that could have called for such actions. How long has mum lived at her address?

I say this as my client had baliff's which actually where chasing the last proprietor>>>>>>>>>>>>> Just a thought!

[Willo53]

They have lived for over 24 years at the property. It would have to be linked to the Wonga debt if anything at all. I am no longer on the electoral roll now anyway so I cant see how they can even try and force entry.

 

As far as I am concerned they need a court order to even try and entertain bailiffs.

[dx100uk]

it would have to got to court for bailiffs to be involved.

and that would take weeks not 1 week

and you'ed know about it

 

and i dont think they use local colllectors either.

 

i doubt if it is linked.

 

dx

[sillygirl1]

Seriously sounds like they might be going to make you bankrupt by serving a statutory demand, which can be easily challenged as the courts frown on companies trying this route.

 

Wonga are known for underhand tactics so get in touch with Trading Standards and report them, they CANNOT send in a bailiff without a court order, although they try and use Marstons or Phillips as collection services, although these are Bailiff companies they are only common debt collectors in this instance.

 

Whatever you do get the letter scanned without your details and let us have a look at it.... I bet it is either a dodgy default notice or a 'pretend' "We need to gain entry to your premises to finalise an arrangement with you" style letter.

 

Both are way out of line.

[gordon'salive!?]

BArker and Lowe are just another department in Wonga, they're harmless. Don't bother with them.

[trev1865]

after getting into debt with wonga i ploughed through lots of excellent forums like this,and i can confidently tell you what happens..stick to your guns and you will NEVER have to phone them,you can do it by email like i did,or by post.give them a repayment plan YOU can afford,again stick to your guns and if its not a ridicuously small amount they will eventually agree.they send out bogus solicitors letters like barker and lowe that dont exist..its just another person at wonga. if no agreement is reached they will give the debt to a collection agency,this is the time to act..you will be able to repay the debt at a MUCH LOWER MONTHLY RATE than with wonga.your wonga debt will expand rapidly at first so if you can pay them off in full its cheaper.realistically though if like me you cant pay in full,they are only allowed to charge interest for 60 days.WONGA DONT SEND BALLIFFS ROUND!

[DarkRain]

after getting into debt with wonga i ploughed through lots of excellent forums like this,and i can confidently tell you what happens..stick to your guns and you will NEVER have to phone them,you can do it by email like i did,or by post.give them a repayment plan YOU can afford,again stick to your guns and if its not a ridicuously small amount they will eventually agree.they send out bogus solicitors letters like barker and lowe that dont exist..its just another person at wonga. if no agreement is reached they will give the debt to a collection agency,this is the time to act..you will be able to repay the debt at a MUCH LOWER MONTHLY RATE than with wonga.your wonga debt will expand rapidly at first so if you can pay them off in full its cheaper.realistically though if like me you cant pay in full,they are only allowed to charge interest for 60 days.WONGA DONT SEND BALLIFFS ROUND!

 

At what point will you get a default against your credit file though? Can that be avoided by dealing with Wonga directly before it goes to a DCA?

[dx100uk]

no

 

they only way to avoid a late payment marker is to pay.

 

a default notice is a diff matter, they HAVE to go through a set process.

 

dont get confused between a 'late payment marker' [which is NOT a default] and a default notice.

 

dx

[DarkRain]

no

 

they only way to avoid a late payment marker is to pay.

 

a default notice is a diff matter, they HAVE to go through a set process.

 

dont get confused between a 'late payment marker' [which is NOT a default] and a default notice.

 

dx

 

Yes I am getting confused, I assumed a DN was automatic once you've failed to honour an original agreement.

 

Does that mean if a suitable repayment arrangement is made (even through a DCA?), a DN itself can be avoided? I'm not bothered about late payment markers, I understand that can't be avoided.

[dx100uk]

if you pay the required amount on the DN bythe date they ask [which MUST be a date not 14 days from this letter]

then they can take no action.

 

dx

[sweedymcsweed]

It's true: it's just a different department of Wonga. They'll still chase you up, but it's still internal.

[pandasarecuuuuute]

Thought Wonga's in House debt collector was Experto?

[Jamie Kingston]

Hi,

 

I wanted to run this one past you and to garner some feeback on your thoughts.

 

I had a phonecall from my mum in work today who said she had seen 3 people knock on the door with a letter in their hand and after a couple of knocks and waiting they departed together and jumped into a car and drove off. She is absolutely convinced these were bailiffs knocking at the door and as a result I am receiving it in the neck.

 

The only culprit I can think of is Wonga who I have a plan of £80 per month on a £200 loan turned into £420 with their immoral interst. I only paid £40 last month and gave valid reasons why. I never received an email from the guy I was dealing with, even after I fowarded the email on again 3 days later.

 

I have received no court orders or letters threatening bailiffs so I think its is a bit of long shot to be honest, has anyone else had similar problems akin to this?

 

Cheers

 

W

 

You've got nothing to worry about - no link to Wonga - i have never seen a case where they have taken anyone to court - they dont have the brains or the man power for it. Basically they'll sell your debt on and you can then arrange payments.

 

Also, you should try and make some sort of arrangement in writing with them so you can get the debt off your chest... But remember - you pay them direct and dont give them your card details whatsoever.

[EBOY]

Can anyone who has received these letters from barker & lowe make complaints to the Fos as it's unnecessary harassment and misleading. The more complaints lodge the more pressure on the ombudsman to take action against these clowns

[toofiegap]

dont let them get to you they tried it with me and the poo is going to hit the fan