Wonga fight under way

[toofiegap]

Quick update received a mail back from them still insisting they can dip into my accountthey will find getting any money very hard as transferred what is in there now to another acct and only put back when making a payment for bills any left gets transferred back straight away to different acct.

Wonga still insisting they are right and I am wrong and only offered a sorry yeah right for the mail . Local paper very interested in me also and are coming back to me as the story has a double whammy to it implicating another company who were the ones that caused me to leave my job but thats nothing to do with debt. also told WOnga that I will be pushing for compensation for the vile E mail sent (the reporter was extremely shocked)

[Guest Mrs Hobbit]

Word of caution regarding Wonga dippuing into the bank accoutn if you have not cancellked the Direct Debit Mandate and informed your bank of the same in writing and warning the Bank this DD is not be re-instated at all. You could end up with charges for an unpaid DD if there is not enough money in that account. Please make sure you havedefinitely closed this loophole.

 

Perhaps a bit of publicity exposing Wonga's practises will alter others to this problem. Will the email be published? Or just the wording of the same?

[lord_tiger_putin]

They do not use DDs, they use the same way when you are paying someone over the phone, do not know what you call that.

 

I had the same situation with them when I banked with the Co-op, whenever there are money in the account they "sneaked" out a series of £10.00 payments. Co-op said they cannot prevent that and that I have to discuss it with them (Wonga). I did reverse all those payments and it didn't cost me anything.

 

It did render the account useless and I had to switch banks.

[Guest Mrs Hobbit]

It is a form of Direct Debit Mandate,only difference is you haven't signed the Mandate, I think it is in the forms they send you to sign when you get the loan. Same rules apply.

 

The banks say they can't do anything about it, BUT THEY CAN. You have just got insist and put in writing in to them, that if any payments go without you instructing the bank, they are held responsible. Been there and done it.

[toofiegap]

update today I actually spoke to one of their "HEAD OF COMPLAINTS" people, who was not in the bit interested in the complaint I had but all he wanted was repayment plan refused to freeze my account now over 100 worse than it was 2 weeks ago I made offer for a token payment as I am now unemployed and he refused wanted my life history in writing etc including when I was made unemployed and why NO BUSINESS OF HIS, yet he claimed everything was his buisiness. I started to tell him about the compaint about the guidelines but very uninterested when I also mentioned to him about the banned advert (which he claimed was not banned but had run its course, YEAH RIGHT) when I offered to point out the site containing all the information, he decided then would be a good time to terminate the call.

 

If this so called head of complaints, ALAN is looking in, be prepared for a very long battle, you have my sympathy as I am very stubborn and know my rights, hope your dinner was cold as I kept you a whole 15 minutes longer than your so called business hours

[Huff&Puff]

It should have dawned by now that Wonga aren't interested in anything you have to say, they just want your money. You are wasting time by trying to communicate with them, jut leave it in the hands of TS/OFT/FOS. You have complained to them haven't you?

[toofiegap]

all 3 but they are uninterested. been to CAB conusmer direct TS just told me to go speak to deb councelling. all as useful as a chocolate fireguard. Even on the phone he was trying to twist my words and lie I only called as he left a message saying that he needd to discuss the guidelines with me LIES he even denied he even said that I still have the voicemail ( when I started of mentioning the faults especailly the threatening mailsThe numpty said they needed to send these as they were necisarry one point he thaught I slammed the phone down (only the cat blooming knocking something over) I also tols him why in the mail they said they can send someone round to assesss my assets due to poss legal action he refused to answer when I advised that it was abuse of powers refused to answer , The best one was telling me the ad had run its course and was never banned when confroonted when I asked would he like to hear what the asa said he said not speaking anymore and slammed the phone down on me.

Edited July 29, 2010 by toofiegap

[sillygirl1]

Good on you for sticking up to your rights. This lot phoned me on a mobile when I was in France and told me that I couldn't afford a holiday as I had to make them my priority, they then took money from my bank account and I ended up getting Trading Standards onto them.... they didn't do much so Wonga tried to get Marstons to send a bailiff round, that failed and I ended up paying them back what I legitimately owed in MY timeframe, which was two months later (minus the amount they took on the 'wrong' day).

 

Companies who operate in this way should have much tighter legislation and have independent observers in their offices on 'collection' days. However as I suspect most of their people are 'outsourced home workers' then that would be difficult.

 

Let us know about any publicity and what happens next.

[toofiegap]

will do on the publicity side a lot of places seem to just suck through thier teeth and unwilling to get involved. I have e mailed watchdog but as yet no replies and what I owe then was originally only 125ish now seems to have gond up in a little over 2 weeks tl nye on 240 quid when discussing with my poor sweet long suffering partner he agrees when I said they will add on inerest until it gets to a level where they think they can make you bankrupt try that route (as I am a homeowner with equity) take the property and sell it on for an expobident price and pocket this.

[lord_tiger_putin]

I have seen posts which states that Provident do not take any cases to court because Judges frown at their interest rate. These guys make Provident looks like the Good Samaritan, wonder what they think the Judge will say abot their interest rates?

 

I think it is safe to assume they will never go to court anyway.

[lord_tiger_putin]

However as I suspect most of their people are 'outsourced home workers' then that would be difficult.

 

Good point! I only phoned them once when I went on a DMP and needed my account number. They asked me why I need my account number (thought it was a daft question anyway) and they put me through to someone with the name Angelina, if I remember correctly. There was a lot of background noise and she said please wait a minute, it sounds that she was sending a dog into the back garden, and I thought are they a family running this from home?

[toofiegap]

I wish they would take me to court funnily enough that way at least I could produce all my evidence direct to them and watch them squirm and try and wriggle out of it that way but as you say chances of that are 0 to absolutly 0

[fuzzybobble]

I had a battle with Provident on behalf of my ex girlfriend. Invited them to take her to court, and they went quiet for 2 years. Provident charge about 500% interest and it's well known they won't go to court, as the few times they did try, the judge dismissed their claim due to the interest rate being excessive and unfair. So Wonga deffo won't set foot in a court room charging over 2000% Especially if you revealed Wonga's view of the law in that email they sent you.

[toofiegap]

just talking to my better half about this If I carry on with this and go through before action maybe get some sort of renumeration from them

[toofiegap]

even better been doing my calulations on what they have taken out the bank and i should owe them the grand sum of only 27.00 working out on what I owe them rest is all illegal fee interest etc added to this account I only took out 400 + thier interest for this it should be only 450.00 paid 422.81 so I barely owe them anything and yet now my account now stands at 3 weeks of arguing with them just over 240.00 no wonder they are reluctant o do anything

[UnmoderatetheNet]

I Haven't read this post and sorry to hijack but when will the government grow a spine and stop **** like wonga operating.

 

APR IS 2689%

 

HELLO IS ANYBODY LISTENING 2689%

[toofiegap]

best thing to do is go read the thread as I am attempting to get this outfit done good and proper mostly over the breakages of guidelines youll ge a better insight of whats actually going on (no offence just better to go through the thread to gain a better understanding thats all) they have already had thier excruciating ad banned by the asa and I am about to E mail them telling them to take me to court dont think they will as its known time and time again its been thrown out due to just that the illegal interest rates as everyone says they are no more than legalised loan sharks.

[Seminole]

Just looked at their website and it's the scariest thing I've ever seen on the internet.

[toofiegap]

scarey LOL try the mails they sent me if they had thier own way Id be jailed for 10 years have a bailiff over spit roast my kitty (sorry couldnt resist last bit) if they did send anyone over they risk being jumped on b y my cat, deafened by her purring padded into unconsiousness then drowned in a sea of drool

[lostinspace1000]

took out a wonga loan end of december 2009, only £125. i emailed them about not being able to make a payment on a given date and asked if it could be changed to the following week. no reply....they tried for the money...no joy.....emails telling me i was in arrears....sent them emails but got the usual phone us email (sorry i dont speak Chimp!)....about 3 weeks later an email telling me my new debt was 300 odd...what the ? replied via email and post...no joy and heard nothing since end of jan...hate to think what my new balance is, probably a 4figure sum now....oh well bring the monkeys on!

[toofiegap]

just got my old card cancelled awaiting for a new one now so they cant touch my acct they can blustr all they want wont get them anywhere they cant even bother to try nd sort hings or deal with my complaint.

[toofiegap]

quick update still no replies from them concerning my cmpalint at all have now twice e mailed "errol" direct and still no reply would the next step be letter before action

[toofiegap]

Quick update to let you know I WON all interest written off letter of apology from them and Compensation for the trouble they have caused.

[sillygirl1]

Congratulations, it seems they may now be waking up to the fact that the UK law can give them some headaches... don't forget to donate to the site if you can.

 

I wonder what was said by you to make them cave in?

[toofiegap]

Not what I said but what I did Can I PM you so I can explain more cos I dont really want to post or rock the boat.