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Hello, I posted a few days ago seeking advice however got one response which was not helpful at all. I'm hoping this time to get more responses.


On 24th November, I took out a Wonga loan for £100.00 it was for an immediate cost, and I know I was stupid to do it, but everyone is entitled to a mistake or two. Due to cashflow problems I have had to roll over the loan and it was due on March 1st, I recieved an e-mail saying I could have extended again but cash is that bad I couldn't even afford that.


I owed £206.26 on the 1st March and now £20 has been added to that for failed collection. They sent me another e-mail asking me to get in touch and pay, problem is I can't, not until I sort my finances out, which is I don't know when.


I am self-employed and having an absolute nightmare with invoices and money collection. This is affecting my personal health a lot and my partner has also recently had an operation so I'm trying to give her as much time as possible.


They only have my personal phone number which is the same as my work and funnily enough the phone is broken! So they can only reach me by E-Mail.


What do I do? Any advice is welcome. Please Help!

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Welcome to The Consumer Action Group.



I am just letting you know that as you haven't had any replies to your post yet, it might be better if you post your message again in an appropriate sub-forum. You will get lots of help there.


Also take some time to read around the forum and get used to the layout. It is a big forum and takes a lot of getting used to.



Once you start to find your way, you will soon realise that it is fairly easy to get round and to get the help you need.


It can be bit confusing at first.

Please be advised that my time will be limited for the next few weeks.Thanks for your understanding.

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posted inthe wrong forum



p'haps why no responces


moved to payday loans forum



please don't hit Quote...just type we know what we said earlier..


DCA's view debtors as suckers, marks and mugs


NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..


If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 



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Hi there


Firstly you will need to get in touch with Wonga regardless of your situation. Send them a letter/email telling them your situation has changed and you no longer can afford to pay the loan upfront. Ask them to consider a payment plan (whatever you can afford) at the same time asking to freeze interest/charges. You need to do this soon and keep all correspondence sent/received. Once you have done this post again here and let us know what's happening. Best of luck x

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Hi again, see below for wording of my email to my PDL's, amend to suit your situation. I would email to both departments so you can be sure that it will be received!




Unfortunately I cannot now afford to agreed monthly payments because XXXXXXXXXXXXXX. Also, the interest on payday loans has made it impossible for me to now pay off lump sums on a monthly basis. I only have a monthly sum of £XXX left for my creditors. I am willing to pay the original loan of £XXXX plus one month's interest. The offers I have made have been worked out on a pro−rata basis.

In view of my circumstances, please would you agree to temporarily accept a reduced offer of £XXXX over XXX months. If charges are being added to the account I would be grateful if you would freeze these so that all payments made will reduce what I owe you.

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Hi, So I sent what you advised. It took them until tonight 07/03/2011 to respond simply.


'Please call collections'


What now? They don't seem to be playin the game.


Thanks again guys

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Resend your email to the following BIG CHEESES at Wonga. errol.damelin@wonga.com - balanceoffer@wonga.com, john.hegarty@wonga.com. Ask Wonga for there bank details so you can pay them directly or by standing order.


Open a new account to channel all your funds into as most PDLs will pilfer your account even with a repayment plan in place (Don't give these new bank details to any PDL). If/When Wonga accept your offer, request there acceptance in writing (email). Good Luck :-) TT.

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keep e-mailing your offer and keep hold of them.















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Hey guys.


I e-mailed the bosses like you suggested. Shortly after the same night I e-mailed, I got back a very co-operative response with a very affordable payment plan attached.


Thanks alot for everyones advice.


This site has proved to be an invaluable resource!




Kind Regards BPJD

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