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    • Yep, true to form, they are happy to just save a couple of quid... They invariably lose in court, so to them, that's a win. 😅
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Wonga Letter Help


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Hi all,

This is regarding my previous post:

 

http://www.consumeractiongroup.co.uk/forum/payday-loans/251036-wonga-loan-credited-my.html

 

I have only just managed to get time to put together a letter to send to them and want help wording it. I have never had to write a letter to a loan company or infact I have never had to write a complaint letter of any sort so any help is greatly appreciated.

 

THE LETTER:

 

Jamie Nesbitt

 

 

34 ddfdsfsdf

 

 

fgfgdgdfgfdg

 

 

Belfast

 

 

BTS DFF

 

 

01234567890

 

 

To whom it may concern,

I am contacting you in connection with an overpayment that has taken place regarding my account.

 

On 23rd February 2010 I made an application for a £200 loan due to be paid back on 26th February 2010. The interest included made the total repayment £211.58. Upon checking my bank on 26th February 2010 I see that two payments of £211.58 where taken from my account. I then contacted a supervisor from your organization who gave his name as Tariq. He apologized and promised a £30 deduction on my next loan and a refund of £211.58 to be credited on the afternoon of 26th February.

 

I then, largely on the information provided by Tariq, arranged a loan of £126. I was assuming the deduction of £30 would be taken from this so my repayment would only be £126.14 rather than £156.14. On 17th March, £156.14 was deducted from my account. Therefore, as I largely based attaining the loan due to the promise of a £30 reduction a promise based on your organisation’s mistake, I was left out of pocket by your company’s errors. This is a breach of contract and I wish to have this £30 reduced off the future repayments (see below).

 

I received a call around 5th March from Tariq, the fraud department stating on 26th February two payments of £211.58 where refunded instead of one, he the stated that £211.58 will be taken from my account on 31st March 2010. I am not able to repay this amount, as it was spent on food and clothing for my 10 month old baby. I am however willing to agree to a repayment scheme only if it does not affect my credit history/status, as this was an error on your company’s account.

 

Total repayment- £211.58

£30 Deduction as promised- £181.58

 

27th April- £100

27th May - £30

27th June - £30

25th July - £21.58

Total repaid- £181.58

 

I refuse to pay any interest on the following as it is your company’s mistake which have caused debt to remain outstanding.

 

My whole experience with Wonga has been completely unacceptable. While as a service I find wonga helpful my entire experience has been unprofessional and error ridden. I am in a position whereby only an acceptable/reasonable reply to my acceptable offer will stop me complaining to the FOS.

 

I do not wish to be contacted by telephone or email, I demand to be written to the address at the top of the letter.

 

Regards,

Jamie Nesbitt.

 

Also can someone give me the wonga address.

 

Thanks, James.

Edited by Jay24888
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Get hold of your local CAB and get them to get the Money Laundering Unit onto Wonga, they can help here as you have a small child.

 

You will have a job finding this company's address, go for the registered address at Companies House. I haven't got it to hand at the moment but I have got it indoors.

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Many thanks, i'll look into the money laundering unit there is a CAB literally 2minutes from me, what help would I expect from them? Should I just arrange an appointment and go down and explain the situation?

 

They have an address at the bottom of their webpage but I reckon if I write to that I won't get a reply.

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I just called my bank and said I "lost" my card. Is there any other way they can take money from my bank, i.e. sort code and acc number?

 

They DO have my sort code and account number, also checking my wonga account it say's that the £211.58 will be deducted on 31st March. Can I ring my bank and explain the situation and put a hold on any money being taken from my account from wonga?

Edited by Jay24888
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Address from their consumer credit license:

 

Correspondence: 4, Prince Albert Road, LONDON, NW1 7SN, United Kingdom

Principal Place Of Business: 4, Prince Albert Road, LONDON, NW1 7SN, United Kingdom

Registered Office: 88, Crawford Street, LONDON, W1H 2NA, United Kingdom

 

Also, I am confused by your letter, do they owe you money or you owe them money?

 

Also, title it COMPLAINT so they have to adhere to the regs as regards complaints and have to give you a "final response".

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Many thanks! Should I send it to the correspondence address?

 

Title the letter complaint?

 

It's complicated the link in the initial post will explain the situation. Basically I owe them money but it's their fault.

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  • 3 weeks later...
  • 3 weeks later...

Hi all,

I sent the letter with the only reply stating they recieved it and tried to contact me with no luck (i got no phone calls), just recieved this email this morning:

 

Urgent message from Barker & Lowe Legal Recoveries Demand for Payment

Mr Jamie Nesbitt,

Take Notice:

Amount You Owe £331.55.

Date You Must Pay by: 12 pm on 07 May 2010

We have been instructed by Wonga to recover from you, a debt of £331.55. Our clients have advised us that despite several attempts to secure payment of the above noted debt, you have failed to make good on your contractual obligations.

Continued late payment may cost you even more, so it remains in your interest to deal with this matter today. Contractual interest continues to accrue on this debt and every day that you delay will result in you paying more than you need to.

Our job is to help you deal with this problem, or in the event that you fail to deal with this serious matter, to ensure that this debt is recovered by taking legal action against you or to collect it by any other lawful means.

Take our help and call us today. Our number is 0844 842 9110

Act Now:

Contact us immediately to arrange repayment of £331.55. You can make your payemnt by debit or credit card. Remember: Late Payment Costs More. Talk to us and we can help.

Yours sincerley,

Barker and Lowe

 

What should I do, surely they cannot add interest to this! I cannot afford to give them any money at the moment i'm struggling to keep food on the table and petrol in the car!

 

 

Thanks,

James.

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Send an email back stating that they can only have back what you can afford to repay, and if they insist on taking you to court you will make sure the claim is defended and they will possibly be made to accept a £1 repayment.

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Right, I hope I have read everything correctly. If I have then your defence is this....

 

You have no cotract with Wonga! You paid the loan back (twice), so that contract with them was satisfied in full.

 

They made an error by way of crediting your account with a duplicate amount. This is a simple overpayment, with no contract to enforce.

 

Naturally, you do owe them the money, and their only argument is that you should have noticed that it was extra money and shouldn't have spent it when it was not yours to spend. However, that is by the by.

 

They cannot charge their normal rate of interest on this debt. Any interest, if this went to court, would just be the statutory 8%, which in such a short space of time would be pennies.

 

Of course, you will have to pay anything charged by any debt collection agency in the way of fees, so get everything they want money for broken down and in writing and agree a payment plan.

 

---EXTRA BIT---

 

The Barker & Lowe letter looks like the standard letter a Wonga debtor would recieve. It would be worth a call to them to outline the situation and explain that you have no normal contractual agreement with them as that has already been satisfied. Then if you get nowhere, start it all in writing, stating your case.

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Also, it might be an idea to remove your personal details from your post. Your full name, home address and mobile number are viewable be every Tom Dick and Harry out there!

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Also, it might be an idea to remove your personal details from your post. Your full name, home address and mobile number are viewable be every Tom Dick and Harry out there!

 

Thanks for the help, I'm writing another letter to them today. I removed all of my details from it. I'll post the letter when it's done here and people can review it before I send it off.

 

I appreciate everyones help.

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