Wonga rip off

[toofiegap]

After taking a loan out with wonga because of certain circumstances the payment didnt go through as expected.

 

They decided to dip into my account and take little amounts then a huge chunk all on the same day I complained about this as this has left me with bounced council tax and mortgage payments bank charges etc. I went online to thier live chat and spoke to a girl who was of very little help at all. she just kept telling me to call or e mail to set up a payment plan (why should I when they have already ripped me off.

 

I E mailed them with My complaint and awaiting for a reply but not holding my breath (will keep you updated on this) I myself am going to blow them out the water as if they dont respond to the complaint I am going to take things to the top to stop others being ripped of by these people who I can only describe as Loan sharks.

[Jamie Kingston]

waste of time. if you still owe them money wait for them to contact you.

they will not refund you and i doubt your bank will help. sorry but have to tell it as it is...

[toofiegap]

I have already contacted watchdog and also someone has already sent me from watchdog a peice saying that taking of moneys this way has been banned so I have now added fuel. By the looks of it wonga has been using a legal loophole to collect in this manner But should be closed.

[Jamie Kingston]

and so what? do you really think by threatening them with watchdog they are going to turn around and say, oh ok here's your money back? :eek:They are bastards and just dont care - i dont feel its fair that you are given false hope, sorry.

[EBOY]

It's typical WONGA. I agree it's highly unlikely they will return any money. I took my case to the Financial Ombudsman because I didn't want anyone else to be treated the way I was.

 

If history is repeated they won't respond to your complaint and will pass the outstanding balance to a debt collection agency. The only hope is the more complaints lodged the more pressure will be applied to them to behave responsibly.

[toofiegap]

this is exactly what I am going to do ombudsman is the best option as well unfortunatly they completely picked on the wrong person this time My parner says I am extremely stubborn and will see things like this through to the bitter end (but the poor soul has to suffer in the meantime) I may not get anything back and if need be will take this as far as court I do know from reading other threads that they wont take people to court becuse of the excessive interest rates and the judges will act on this but if I can just stop just one company from [causing problems] money out of people in dire needs then my job will be done and I would be happy. Just maked me sick to see that these companies feed off us and spit out our skins for the bottom feeders to nibble on.

[Jamie Kingston]

i really am sorry to hear that they have done this to you and i really do hope that you can make a difference and stop them.

[26072004]

Watchdog or any prime time consumer shows are a bad idea.

 

All it does is give these companies even more national exposure and their reply time and again will be

 

you borrowed the money you must pay it back when you promised, it clearly states there are penalties and costs for defaulting on your loan. we tell people on our website not to borrow the money if they cany afford to pay it back.

 

There is no such thing as bad publicity for payday loan companies

 

All it would do is alert even more people to the fact that even they could get a loan to tide them over til payday.

[toofiegap]

with all due respect we did try and defer this to a more convenient date but for whatever reason didn't let us do this which caused this as for publicicy I understand but for every good report and praise for a comany a lot of people dont bother to praise them for every complaint received a lot more people will, point fingers and poke very hard the more bad publicity they receive in my books the better

[toofiegap]

update still no mail tried again on live chat and guess what theve decided poss to block me as I cannot seem to ge in

[toofiegap]

update on this finally heard and take a good look at it they are threatening me with fraud

 

 

Your current balance is £197.36 and 17 days overdue.

 

Whilst the account is overdue, interest and charges will be applied to the account and letters issued to protect our interests, until an arrangement is in place.

 

Take notice

 

 

We have been informed by our bank that you have challenged payment/s that were taken by us. You will be aware that your recent loan was due for payment and that in applying for credit from us, you gave us express permission to collect repayment of those loans from the debit card that you provided to us during your application for credit or any other debit or credit card subsequently provided to us.

 

Clause 3a of your credit agreement that relates to this permission states:

 

 

 

 

3. Payment

a. You agree to repay us the total amount payable on the date shown under “Key Financial Information”. We will collect this payment by debiting the debit card you have registered with us. If we are unsuccessful in collecting payment, we may try to debit your debit card at a later stage and on more than one occasion. If you have provided us with details of a second debit/credit card and we are unsuccessful in collecting payment from the first debit card, we may seek payment from the second debit/credit card and on multiple occasions as we determine necessary until full repayment is made.

 

 

 

This clause gives us your permission to collect payment on the due date that you selected or on an ongoing basis should you fall into arrears. We exercised this permission on (Payment date). We trust that this clarifies our action and demonstrates that we have acted entirely within the terms and spirit of our agreement with you.

 

If these transactions are reversed and we incur a loss as a consequence, we will consider that you have willfully and deliberately caused us a loss by misrepresenting to your bank that the transaction was not fair. We may consider this to be fraud as outlined by section 2 of the Fraud Act 2006.

 

 

 

 

2. Fraud by false representation

(1) A person is in breach of this section if he—

 

 

 

(a) dishonestly makes a false representation, and

 

 

 

(b) intends, by making the representation—

 

 

 

(i) to make a gain for himself or another, or

 

 

 

(ii) to cause loss to another or to expose another to a risk of loss.

 

 

 

This offence carries a significant penalty as outlined in section 1, of the same Act

 

 

1. Fraud

 

 

(3) A person who is guilty of fraud is liable—

 

 

 

(a) on summary conviction, to imprisonment for a term not exceeding 12

 

 

 

months or to a fine not exceeding the statutory maximum (or to both);

 

 

 

(b) on conviction on indictment, to imprisonment for a term not exceeding

 

 

 

10 years or to a fine (or to both).

 

 

 

It will naturally be our position that, with us having outlined your contractual commitment, that you continue to represent that you were unaware of the reason for the disputed transaction(s) that you are committing an offence of fraud.

 

What happens next

 

 

If you do not contact us immediately, we will consider taking further action which may include informing CIFAS, the UK’s fraud prevention service, of your misuse of our facility. They will retain this data on a database which is available to most of the UK’s major banks, building societies and other financial services providers. Your current creditors may wish to withdraw your current credit facilities and you may find that the record of your actions seriously inhibits your ability to obtain further credit.

 

We will also provide a file to the Metropolitan Police, with whom we have an existing relationship in order to pursue this matter through the criminal justice system. We have an excellent working relationship with several Police forces throughout the UK and have a policy of actively supporting the Police in all joint anti fraud operations.

 

We also reserve the right to commence civil proceedings against you to recover any losses incurred by us as result of your actions. This may include a privately funded prosecution or other formal actions such as issuing a statutory demand in bankruptcy where the value of our loss was of sufficient size.. Failure to respond to the requirements of a statutory demand could lead to your personal bankruptcy. We may also commence legal proceedings against you in the civil courts or we may send a specialist debt collector to your home or place of work.

 

We may also an £80 to your account to cover the additional expense of us having to deal with this matter.

 

Please act now

 

Act immediately. We cannot understate the importance of you dealing with this matter today. Please contact us immediately on 0844 842 9109 so that we can discuss your accounts.

 

 

 

 

 

Kind regards,

 

 

Collections Department

0844 842 9109

Wonga.com

Wonga.com Limited. Registered office: 88 Crawford Street, London, W1H 2EJ. Registered in England no. 6374235. Consumer Credit licence 611974/1

 

 

they recon I dont have a leg to stand on I have now got my MP and financial obudsman onto them

[MondeoST24]

Someone really needs to take this shower on. These are the most aggressive tactics i've seen yet. Shocking.

[cornetgirl]

That is ridiculous! They seem to be getting worse not better! Surely they cannot do this!

[toofiegap]

truly revolting I am on the lookout for a sols as well who does legal aid

[EBOY]

They are in breach of the FLA lending code. I highlighted this before to the FLA but they didn't care. I wonder what the chairman of the FLA would think??

 

It is up to Wonga to make sure you have money for basic everyday needs.

Not to mention the harassing.

If you have repaid what was borrowed how will they be losing anything.

 

Section (a) dishonestly makes a false representation

 

Is this not they did by sending letters from Chainey D'amato and Shannon?

I would point to the FLA lending code. Under section 1d4 your code states -

"not harass you or put you under unnecessary pressure (however, we would

expect to be able to contact you at reasonable times);

● make sure that you are left with enough money to pay reasonable day-today expenses;"

 

 

 

 

[EBOY]

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

[toofiegap]

keepng a copy of that many thanks My MP would poss want to see it will also print this out and highlight all the appropriate parts.

 

I think telling me if I take the money back from the bank then I could be done for fraud and jailed and charge me the 80.00 for renumeration for the compaint I made not only breaks the guidelines but killed it stone dead

also by the way they only really highlighting these 2 parts in the mail they are acting in a very threatening manner (although they will try and dig at the back of the closet pull out thier almost delapitated halos and say they were only pointing this out) this is the clincher I think what do you all feel I need to get this right before commencing any legalities (taken from e MAIL)

 

It will naturally be our position that, with us having outlined your contractual commitment, that you continue to represent that you were unaware of the reason for the disputed transaction(s) that you are committing an offence of fraud.

 

 

I think I have a very good case here

Edited July 15, 2010 by toofiegap
addition

[toofiegap]

you borrowed the money you must pay it back when you promised, it clearly states there are penalties and costs for defaulting on your loan. we tell people on our website not to borrow the money if they cany afford to pay it back.

 

MOLE

[26072004]

Toofie,

 

I very much resent being called a mole for pointing out what Wongas stance would be if you tried to take them on via TV.

 

If you bothered reading my post it is clear that is not my personal view.

 

However, Eboy is right FLA are their trade assoc if they do not care how Wonga treats its customers they too should be taken to task. In wonga's agreements they encourage all complaints to be made via the FLA then the FOS if neither of these companies will take on the likes of Wonga where are we supposed to go to complain.

 

Nobody wants to go to court but how else do we stop these companies from doing whatever they want with their in house legal teams threatening people with criminal proceedings (they seem to basically be saying mess with us and go to jail) I have never seen such a disgusting letter from a company in all my life.

[Jamie Kingston]

its baseless threats - just continue making them an offer and when they dont accept the debt collection company they pass it on to will...

[Nao]

its baseless threats

 

Exactly that and for a very simple reason, if they want to take you to court / get the police involved they would have say you owe them amount x due to agreement so and so. However if they don't get the courts / police involved they can keep inventing fees which will very quickly be higher than the amount originally owed.

[toofiegap]

the best one I had yet I am continaully telling them to place the account into dispute and to freeze charges until resolved

Thier reply not going to until you give us a payment plan well they can go get ********** see em in court Im off to CAB to get legal advise on this

[EBOY]

I think the problem with the FLA is the majority their board of directors and staff appear to be from the financial industry. This may help in theory but is just and old boys club.

 

What bugs me is that they have a code which their members are obliged to follow and when you clearly point out that Wonga has infringed on these rules they fail to do anything about it.

[toofiegap]

on another thread I found a top managers e mail and just posted this if they dont sit up and listen this time the the rod that is thier backs has been tempered harder

Took loan out didn have funds available on due date so wanted to use defferement for this Unable to complained via your webchat and was barred for asking questions and refusing to use your premium rate number to call. E mailed as your company was filtering out 10.00 payments 5 in one day then a chunk taken leaving me with no money for normal day to day needs I am now behind on mortgae council tax cannot afford food on the table etc. When I put this complaint via e mail was ignored until called obudsman then received only what I describe as a extremely threatening and odious E mail back from yourselves stating as I wished this money to be returned that I could be sued for fraud and imprisoned upto 10 years A very cruel sickening Tactic in my eyes. and totally against the OFT guidlines. as well as saying I could be charged 80.00 for dealing with my complaint. E mailed again and everytime I did all they kpt repeating was we cant hold the accountand I have no complaint and would continue to take monies add interest and I am In the wrong. Also keep telling me to ring on the premium rate line and they already contacte me by phone This was never done as my phone is with me at all times. when I mailed yet again I Received another mail back stating that again that they refuse to look into anything until I call set up payment plan (YOUR TERMS) blackmail I beleive

 

I have already informed all the relevant bodies and am due to tomorrow to consult additional legal bodies sgainst your company. All I wished for when this started was for the MOney to be returned to the bank and a plan on my terms to be set up but it seems that because I decided to fight back against the bullying I am to be victimised and coersed into something I am unable to rectify right away .

 

I ask what are you going to do about this as if I dont get the satisfaction I deserve I will take this to court and have you sued for breach of OFT guidelines and sending Threatening MAil

[robjam1969]

Jamie is right.

 

I hevent read the full thread but their chances of getting you done for fraud is virtually nil.

 

Anyway the cps prosecute not wonga.