Help with contacting payday loans for repayment plan

[Beensilly]

Hi I'm new to this site and just wanted a bit of help to contacting my

payday loan lenders. I have emailed wonga on 3 occasions over last 2 days and have had no response does anyone know errol damelins email adress so I can copy him in.My payment was due yesterday and I have not been able to pay them this is due to my husband leaving and now my financial situation has changed.

I also have 4 other pdls with pduk, lending stream. Express finance and quick quid is it best to email them and how long will it take to setup a payment arrangement as I want to clear these as soon as possible. I am unable to change bank accounts as the company I work for will only pay our salary into a certain bank account any advise would be much appreciated thanks

[citizenB]

Welcome to CAG,

 

I have moved your thread to the PayDay Loan forum, where you will get lots of advice. Have a read round some of the other threads and see if there is a situation similar to yours as well.

[emma1989]

Payday Express wont set up a payment agreement with me. I found Wonga quite helpful actually, and they accepted my payment agreement first time round (£30 a month). Payday UK seem to be ok for setting up payment arrangements, im due to default on friday and will try and set up one then (have rolled over twice already). Not had any dealings with lending stream so cant comment. I do have a PDL with Pounds 2 pocket who are also quick quid. not sure about arrangements with them either as i havent set up an agreement with them. Email all the companies, keep copies of emails, state your keeping copies of the emails and you expect a response within 24 hours. As for your bank account, cancel your debit card, not sure about how else you can work it, unless you talk to your work? maybe someone on here will be able to help a bit more as im only new!

[Stupidgirl1234]

I am new to this and can't seem to start a thread! I have just set up a repayment plan with Wonga, I am usually good at paying back but this one has gone too far to pay back in one go.I found them to be quite helpful and have set up a 6 month plan. My only question is, has anyone set up a repayment and received monthly reminders through the post? They informed they post out letters from the 25th of the month onwards to remind you of the plan and that the payment is due, given how many people are probably in a repayment plan with Wonga I find this hard to believe - can anyone advise ?

[Beensilly]

I am new to this and can't seem to start a thread! I have just set up a repayment plan with Wonga, I am usually good at paying back but this one has gone too far to pay back in one go.I found them to be quite helpful and have set up a 6 month plan. My only question is, has anyone set up a repayment and received monthly reminders through the post? They informed they post out letters from the 25th of the month onwards to remind you of the plan and that the payment is due, given how many people are probably in a repayment plan with Wonga I find this ha

 

rd to believe - can anyone advise ?

 

Hi thanks for your replies can you let me know how you contacted wonga

as I have emailed them twice at [email protected] and also [email protected] and [email protected] but not sure if have correct adress for erroll and have no response.how long did it take wonga to agree to plan as they have now started taking small amounts from my bank account and now being charged £25.00 each time payment authorised as account is now overdrawn thanks

[BreakFree]

Hi Beensilly

 

Just noticed your predicament with Wonga. You mention that you cannot change Bank Account because of your work. Can I suggest you report your debit card as lost/stolen and ask for a new one to be sent to you?

This should help to stop them helping themselves to your bank account. If you gave Wonga authorisation to use direct debit when you applied, keep an eye open for any new direct debit they might set up, after they realise they can`t debit your card and pillage your bank account.

 

I did this with 3 Payday Companies and it stopped them from getting any money from my bank account. Hope this helps.

[asmilecostsnothing]

May be stupid for saying this but ain't 'erroll' spelt wrong - it is errol ; )

[Beensilly]

Hi asmilecostnothing

 

do you know the email address for Errol damelin as think I have sent to wrong email address. I still have not had a response to my other emails sent to wonga collections and debt management team and this has been two days now. How long dies it take for pdl to come back to you as don't know if I should call them to advise of situation to prevent further payments being taken from my account thanks

[mjds]

Hi Beensilly, the email I used was errol.damelin @ wonga.com best of luck, maybe try balanceoffer @ wonga.com aswell. Ignore the spaces, won't let me post email addresses with less than 10 posts.

[asmilecostsnothing]

Hi asmilecostnothing

 

do you know the email address for Errol damelin as think I have sent to wrong email address. I still have not had a response to my other emails sent to wonga collections and debt management team and this has been two days now. How long dies it take for pdl to come back to you as don't know if I should call them to advise of situation to prevent further payments being taken from my account thanks

 

Hun you had it right I think just name without the double LL

Sorry I know it is frustrating but there is no legal remit on these companies having to answer you by email, if experiencing no replies I would formally write to them and try sending recorded delivery 2nd class

 

Anything is better then resorting to phoning - verbal convo's are the worse unless you can record

 

x

[citizenB]

Any letters written to these companies should be headed quite clearly OFFICIAL COMPLAINT - they are obliged to comply within timescales laid down by the regulatory bodies. General letters have no time scales.

 

If they dont respond, their reply is unsatisfactory or they refuse to provide you with a final response letter, then you can take your complaint to the Financial Ombudsman.

[Beensilly]

Hi

 

Thanks to everyone for your replies it has made me feel so much better that I am not alone

I have received 2 emails from wonga one yesterday saying I can make 3 payments of 202.00 a month and another one at 3.am this morning saying they will freeze intrest and charges if pay £50.37 a month for 11 months and to sign onto there site to agree to this. Does any know if I do this if it will be ok or should I ask for there bank details and send payment to them. I don't want to agree to this if they take different amounts each month. I am ok with the payments as I offered £50.00 a month

[citizenB]

Hi

 

Thanks to everyone for your replies it has made me feel so much better that I am not alone

I have received 2 emails from wonga one yesterday saying I can make 3 payments of 202.00 a month and another one at 3.am this morning saying they will freeze intrest and charges if pay £50.37 a month for 11 months and to sign onto there site to agree to this. Does any know if I do this if it will be ok or should I ask for there bank details and send payment to them. I don't want to agree to this if they take different amounts each month. I am ok with the payments as I offered £50.00 a month

 

 

I would want their bank details in order to set up a standing order - which you then have control of. See what others have to say.

[asmilecostsnothing]

Sorry why email for bank details ? from others posting in the past you won't get a reply and which just gives the lender another inch to say 'payment hasn't happened or has been delayed, here is another charge potencially'

 

Bank account details on this site under the Wonga forum and available on their website under Help section

 

On your standing order or bank transfer put account number, D.O.B and surname if you can fit it all in

then I'd email my reply as confirming payment made, and you'll be winning

 

x

 

PS sorry if I sound crochety just had enough now of the tricks these blessed people try and pull! grrrr!!

[Ringosgal]

I have a lending stream account and they have set up a repayment plan for me which will have my debt paid in 3 months. Email them, they were very helpful. One thing I did say to them was that because of my dire financial situation that I no longer had a bank card and asked that they give me their bank details in order to set up the payment - which they did. I also got a new card by tellilng the bank my purse had been stolen - when I have changed my card before I just said that I lost it and they said that payments could still be applied to it until my new one was issued - if it's stolen then any payments being applied to the card will be blocked immediately only direct debits and standing orders were unaffected. This way I am in control of my account and my other payday lenders can't go in and help themselves leaving me more broke than I am already.

[citizenB]

I would be rather concerned, if after advising that I had lost a bank card, that the bank would continue to allow monies to be requested. At the very least, I would expect them to confirm with me, that the payment request was genuine before allowing it!!

[Ringosgal]

Yes totally agree except in my case there was no money left in my account, I made sure that I had taken out what was in there and knew that there wouldn't be any in until my next pay day by which time I received my new card so the old one was void by then.