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Hey all..

 

I said I would post any updates I had on here for you all. Today was my default day with Wonga , QQ and Payday uk..

 

Got a call about 11 this morning and a voicemail from payday uk.. So I sent them an email explaining my situation and that I wanted to set up a repayment plan with them.. To my suprise I actually got an email back from them saying they will be happy to set up a plan of £66 for 3 months.. So I have replied back and are now awaiting them to email me back with their bank details... On the email I wrote in big red letters 'please note I will only communicate with you in writing' - phone has only rang once all day..

 

Other than that not heard a peep from QQ or wonga yet... Sure it wont be long but I shall keep updating to help any of you guys out!

Edited by Tink_2010x
spelling mistake silly me!
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I've just set up a repayment plan with Wonga.

I emailed them the day after repayment day to ask about setting up a repayment plan and I got an email saying I needed to speak to them as they needed my income/expenditure.

Not very practical as I'm at work all day and don't get home until after their offices close. I emailed them my details but still needed to speak to them to set up the plan but as they had my details it was just a formality to arrange the payment date. The maximum they do is over 12months

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Thanks cornetgirl - QQ havent even bothered to phone or email me yet.. Will wait another day or so and then I will email them to start the ping pong!

 

I know robjam1969 so glad I found this forum or else I would have never taken the plunge.. Thanks for your help/advice - I shall keep you posted!

 

kazma - only received an email today no calls or anything so I emailed them back and still awaiting the reply. What email address did you use for them?

Edited by Tink_2010x
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Well done with getting repayment plans arranged - wish they had all allowed me to do so also!!!

 

I have only just managed to arrange repayment plans for all of the above but only after it went to DCA. I must admit Cash Genie are the least responsive with regards to this although Wonga are not much better!!!

 

PS: I hate the fact that Blackpool are doing well in the premiership - just cos they are sponsored by Wonga!!!! lol

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quick update all

 

Wonga have sent me the odd email and I emailed back to a couple of email addresses I had and have received a reply this morning from collections team in which they mentioned 'please note we require documentary evidence of any change in cicumstances' ..

 

Any ideas on what I can do next or any other email address I should be using to try and get a plan setup.. they also kindly stated they were still adding interest and charges blah blah obviously the reason for taking so long to reply to my emails! grr

 

cooldude1980 - its not going as easy as I intended to set up some plans.. payday uk have now gone silent so no plan is in place of yet! wonga reply once in a blue moon - no plan as yet and QQ well I havent heard a thing from them lol..

ha ha i agree when I 'have' to watch sky sports I hope blackpool lose when they play just because of what it says on their kit! stupid wonga!

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Hi Tink

 

You just need to be patient. They are delaying payment by not reaching agreement. However the three you have mentioned invariably reach agreement in the end. As for Wonga they can add what they like, doesn't mean you have to agree and pay it. I personally wouldn't send them I/E etc. As for QQ you will have to play the 'long game' - no quick solutions with them but the same rules apply to them as do Wonga.

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Thanks Robjam1969, yeah I think I have emailed every address I could find on here for them. Paydayuk just keep ringing and ignoring my emails! I have received one call from QQ so Ill keep checking they dont set up any sneaky DD.

 

I shall sit tight and see what happens..

 

Thanks again!

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I went a bit of a round about way, I joined the Wonga forum and asked a few questions about repayment plans, I didn't put any figures/details in but they replied through the forum admin that the thread wouldn't be approved

as it had sensitive info on it. I'd previously sent my I/E to the collections & customer care departments. The Forum admin people had already contacted the collections and let me know what monthly payment would be acceptable, one phone call later and it was all sorted

 

Not the most conventional way of setting up a plan but at least it worked

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Hiya everyone.. Just got this email from wonda today any help/advice would be appreciated seen as they keep adding charges on!

 

 

"Thanks for your email.

 

 

As you have given us no understanding as to how your circumstances have changed since initially borrowing from us and therefore why we should accept payment by installments, your offer is rejected.

 

If you do wish to arrange a repayment plan with Wonga, please provide proof of any changes in your financial circumstances such as loss of employment or ill health as soon as possible. Please show the change in your finances between the dates you borrowed the funds, *****, and your due date *****

 

 

Your current loan balance is £*** and your account is * days in arrears.

 

You should be aware that until a agreement is set you may continue to receive contact from us regarding your arrears. Our card payment collection programme will also continue and interest will also accrue until an agreement is in place.

 

 

Please contact a collections advisor on 0844 842 9109 if you have any further questions regarding your account.

 

 

 

Kind regards,

 

 

Collections Department

0844 842 9109 "

Edited by Tink_2010x
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OK they want a change in circumstances scenario. Just say you have got in to debt and are now trying to be fair to all your creditors. There can be many reasons why people can't pay. I would continue to withold any payment until they agree reasonable plan. They usually seem to in the end.

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Hiya everyone.. Just got this email from wonda today any help/advice would be appreciated seen as they keep adding charges on!

 

 

"Thanks for your email.

 

 

As you have given us no understanding as to how your circumstances have changed since initially borrowing from us and therefore why we should accept payment by installments, your offer is rejected.

 

If you do wish to arrange a repayment plan with Wonga, please provide proof of any changes in your financial circumstances such as loss of employment or ill health as soon as possible. Please show the change in your finances between the dates you borrowed the funds, *****, and your due date *****

 

 

Your current loan balance is £*** and your account is * days in arrears.

 

You should be aware that until a agreement is set you may continue to receive contact from us regarding your arrears. Our card payment collection programme will also continue and interest will also accrue until an agreement is in place.

 

 

Please contact a collections advisor on 0844 842 9109 if you have any further questions regarding your account.

 

 

 

Kind regards,

 

 

Collections Department

0844 842 9109 "

 

OH DEAR OH DEAR this I presume is Wonga (you put wonda LOL ) have they stated sending you threatening mails as yet let me know as I have recently won a case against them (out of court) about this kind of contuct keep us posted and let me know.

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Thanks robjam1969 - I just emailed them back and basically said what I could afford and if they wont set a repayment plan up then I will just wait until it is passed to a DCA, rather blunt but it would be much easier for them to accept a plan so I could at least start paying them - but noo they will leave it as long as they can so they can add more charges on!

 

toofiegap - ha ha yeah i meant wonga .. I would love to change their name but believe me it would be to something worse than wonda lol.. Not really had any threatening calls - infact they havent rang me once as yet.. just the odd emails, they havnt been threatening as such but a little patronising etc! Good on you winning your case with them! does that mean I have some delights to come..

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just watch your bank acct they have the happing of trying to drain it best on that side to cancel your card (report as lost or stolen) and get a new one if you do start getting nasty threats from them I have details on how to deal with that. good luck on trying to sort out your Pay day woes I would never ever again use them more trouble than they are wiorth

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yeah I cancelled my card when I was due to default to make sure they couldnt dip in and take what they wanted.

lol yeah I can say for sure I will never ever use a payday company again! Thanks for your help and advice - I shall keep you posted on what they try and do next.. Are you all done and dusted as far as payday loans go?

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only got 2 now chasing PDUK want nyone 700 for a 400 loan for earlier this year they call up but they seem to ease off since this wongs thing the One is QQ abot 300ish they seem to have gone very quiet . wait for these to be passed over to a DCA then go for F&F settlements as know they will not take them to court because of the interest if they do then I will defend the charges

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well yours are same as mine then, payday uk accepted a plan of 4 payments @ £50 for 4 month and asked for my bank details.. nooo chance! so I emailed back asking for theirs and they have not replied! I shall be resending it shortly. QQ is my biggest at 500 and they are numptys! they have gone quiet so I shall wait for DCA too but apparently reading on here the DCA they pass to are a nightmare - the joy! I shall keep you updated with them and give you whatever advice I can..

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Quick update all

 

Just received this email from wonga,

 

"

 

Thank you for your email.

 

 

In order to agree a repayment plan, a collection advisor will need to assess your current financial situation.

You should be aware that until a repayment plan is set you may continue to receive contact from us regarding your arrears. Our card payment collection programme will also continue and interest will also accrue until an agreement is in place.

 

Please do not hesitate to contact us on 0844 842 9109 as soon as possible to come to a mutual agreement. The office is open Monday to Friday, 9am to 6pm.

 

 

We await your call.

 

 

Kind regards,

 

 

Collections Department

0844 842 9109

Wonga.com "

 

I really dont want to ring them because I know I will back down to them and apparently they can get really nasty.. Do you think they will set a plan up by email or am I just going to have to bite the bullet?

 

Thanks everyone!

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lol thanks Jamie I shall try be strong! Just read the other post about them taking money when they want even when a plan is in place.. They are ridiculous. I will email once more and failing that I may have to ring them uggh.. Thanks again..

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Just going to send wonga a payment now because they wont setup a plan until I show my intentions to pay..

If I go onto my online banking and do a transfer to their account details they have given me - is this safe??

Thank youuu in advance!

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Totaly safe Tink

www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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