Jump to content


  • Tweets

  • Posts

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Wonga Help Please


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4585 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi, I am hoping someone can help me with my current situation.

I took out a loan with Wonga in March this year and everything was fine until my partner got laid off.

 

I contacted wonga and told them I wouldn't be able to repay in full and that I wanted to set up a payment plan of £50 per month til the balance was cleared

(I do and have always wanted to repay this debt but I have 3 young children

and had to concentrate on paying my mortgage, council tax and food until my partner found a new job, which he has now),

 

Wonga agreed to this but never sent any further correspondence to me and never took any money or sent me any details to pay

(I know I should have chased this up and paid something).

 

Out of the blue Wonga took £122.23 out of my bank account without my knowledge and left me £30 to feed my kids, buy nappies and pay gas and electric (I am on meters).

 

I have spoke to my bank as it was a visa debit transaction and they are saying there is nothing they can do as I owe the money

(I have never disputed this) but surely they can not just take the money I get to raise my children and go into my bank and just take what they feel like???

 

I thought (and please correct me if I'm wrong) that if the loan is over 6 months old they have to write to me and tell me when and what they are taking???

 

Please if anyone has any advice it would be gratefully received,

I know I should have never had a payday loan and I should have pursued the matter

but now I am desperate and would like to know what my legal rights are, if I have any????

 

I have cancelled my debit card and switched my child benefit to go into my fiance's bank account.

Thank you in advance

Link to post
Share on other sites

Hi and welcome to CAG

 

I will move your first post to the PayDay Forum where you will get lots of help

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

yep spot on

 

http://whatconsumer.co.uk/visa-debit-chargeback/

 

contact the bank and demand a chargeback

if you get no joy

escalate it up the chain till you get it done

 

bank staff often do not know the in/out of chargeback and brush people off.

 

you were NOT advised in writing this was going to be taken - END OFF.

 

thats all the evidence the bank need.

 

they should reverse the charge & do any investigation AFTERWARDS!

 

dx

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... 

Link to post
Share on other sites

On wonga website

https://help.wonga.com/help/legal/complaints/ email [email protected]

my idea is to you is to email to them with your complaint.

I hope that help you

 

Iain

Iaintw is a registered customer services official/profit Protection staff/supermarket worker and who deals with customers

Buying laptops with advice etc

ISP Moderator and chat room helper for chats

Aviationist and train advice

Credit references and bank helper advice

Loss Protection (civil recovery)

Link to post
Share on other sites

Hi Kitten1, yes the money they took was my child benefit and child tax credits and they took every penny, so legally can Wonga do that?

I have emailed them since and told them I want to pay it but need a payment plan am still waiting for them to get back to me.

I will ring Natwest again Monday and demand a chargeback and I hope I will be able to get the money back although I am not completely sure what to say as I have told them exactly what has happened several times and have had no joy.

Who can I call about them taking my children's money if I get no joy with Natwest??

Link to post
Share on other sites

they cannot refuse

you demand a chargeback

go up the managment scale till you get one that does it

THEN investigates afterwards

if you have to get angry do it

till they understand you will not be fobbed off

just because they do not understand chargeback.

 

as for wonga

they didnt know it was benefits, so not their 'fault'

 

if you wish to 'keep' your benefits to live on

you need to send the letter/notice of appropriation from the library [green tab top left] each month

to your bank specifically denying them the pleasure of using it.

 

debts like wonga etc etc should be £1PCM only.

priority debts like rent/ctax/utils should be paid first

 

see seq's blog in my sig

 

dx

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... 

Link to post
Share on other sites

Please don't feel bad I know they didn't know that what monies where being paid into my account just that there was money in it.

I will be ringing Natwest today and will not be taking no for an answer and I hope I get somewhere and will let you all know what happens.

Thanks xx

Link to post
Share on other sites

Close your current account as this will be constantly attacked by the PDL companies and yes, unfortunately, you have given them permission(ish) to do this. Canceling the card is a good step but closing the account and setting up a new one is the safest option. As they say in other threads, a new bank is the ideal option.

 

You are obviously in a bad situation (join the club) so don't make it worse by letting this happen. Protect your money, you need it!

 

The forums can supply Wongas account details for you so you can set up a standing order to repay them.

 

Hope you get sorted.

Link to post
Share on other sites

Hi I have been on the phone to Natwest for at least an hour arguing as they have said that I cannot have a chargeback because I owe the money???

Please help as no-one at Natwest is listening to me and are making me feel like a fool and that I should just give up?

I did not authorise the payment of £122.23 and I have had absolutely nothing in writing to say that they were going to take the money surely that is illegal.

Please Please Please help xx

Link to post
Share on other sites

who are they to tell you what to do with your money!!!

just because you owe it

does not mean they can let the world & their monkey take it

when they feel like it.

 

demand to speak to the supervisor and then keep going up the chain

dont keep arguing, if the person on the phone will not do it

just keep saying i demand to talk to your superior

record the call if you can too

 

a chargeback is a legal right on a card

they cannot refuse

the debit was not previously notified to you in writing

 

this is disgusting behaviour from natwest.

 

dx

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... 

Link to post
Share on other sites

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... 

Link to post
Share on other sites

this is last resort

http://www.natwest.com/commercial/contact/g1/existing-customer/complaints.ashx

if you wanted to complaint about natwest customer services go here.

 

Yes wonga is having problems with communcation skills

 

and yes their took my money and i have to asked my bank to rebusied me charge back too

Iaintw is a registered customer services official/profit Protection staff/supermarket worker and who deals with customers

Buying laptops with advice etc

ISP Moderator and chat room helper for chats

Aviationist and train advice

Credit references and bank helper advice

Loss Protection (civil recovery)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...