Can Wonga take money from my Bank Account - cancelled card?

[gemspan]

Just found out today that Wonga have taken £5 from my bank account using a cancelled card. I phoned the bank and they told me that because I had previous dealings with Wonga they could do this. I asked them if they had sight of a court order or arrestment order to allow them access to my bank account and the CSO lied and told me they had. I then spoke to the Manager and they told me they were able to do this.

 

I cannot see how a bank can give access to my funds to a company they have no evidence that I actually owe them money. Surely the fact that I paid them money before is not a liability for them to take money whenever they choose.

 

The bank told me that they were within their rights to do this. Crikey, if I make payments that are unusual I can't get access to my own money without contacting them and yet they just paid out money to a company without my consent. they didn't even write to me and ask me for approval or tell me it had happened.

 

I think this may fall under the unfair trading regulations. Am I right?

[renegadeimp]

If the CPA is still active then yes, the money can still be transferred . Thats why you must cancel the CPA on the account as well as report the card as lost.

 

Reporting it lost cancels it immediately. If you just cancel it and ask for a replacement, it can still be active two weeks later.

[dx100uk]

We have been telling people to put a letter into their bank instructing them not to make any payments under any circumstances to these companie

http://whatconsumer.co.uk/visa-debit-chargeback/s - it works!

 

banks MUST follow written intructions from their customers !

This fsa guide has now been updated:

 

http://www.fsa.gov.uk/pubs/consumer_...ghts_guide.pdf

 

Here's the text:

 

Cancelling a regular

card payment:

 

When you give your credit or debit card

details to a company and authorise

them to take regular payments from

your account, such as for a gym

membership or magazine subscription,

it is known as a ‘recurring transaction’

or ‘continuous payment authority’.

These are often confused with direct

debits, but do not offer the same

guarantee if the amount or date of the

payment changes.

In most cases, regular payments can

be cancelled by telling the company

taking the payments. However, you

have the right to cancel them directly

with your bank or card issuer by telling

it that you have stopped permission for

the payments. Your bank or card issuer

must then stop them – it has no right to

insist that you agree this first with the

company taking the payments.

Be aware, though, that you will still be

responsible for paying any money that

you owe.

see: http://www.consumeractiongroup.co.uk/forum/showthread.php?336569-How-to-remove-a-lender-s-continuous-payment-authority(2-Viewing)-nbsp

dx

[gemspan]

They didn't even contact me before allowing this to come out. I just think that is wrong! It was from a different card and they lied to me saying they had a court judgement or a bank account arrestment. I think this is criminal..... The whole thing about cancelling my card was because I knew they would raid my account and I wanted to pay it with what I could afford. Surely if they are taking this money they should be telling me! If they can get away with this the banking world is just wrong. They told me it was done through my branch so my branch should have contacted me to get confirmation surely! It wasn't done automatically. Would that make any difference? I will send off the letter....what a scandal!

[gemspan]

Oh, I cancelled the card some 3 months ago and this is the first they have been able to get out. The girl on customer services told me they had been trying to get money out right up until today so why did this one debit slip through the net? I don't understand this. I think the bank have made a mistake because they haven't allowed anything else through.

[sillygirl1]

Then Wonga need reporting to the OFT - they are already on a warning - so go to http://www.oft.gov.uk and report them for taking money they were not entitled to on a day they were not entitled to.

 

You should also report the bank to the FOS for good mesure for breaking their own BCOBs code (Bankinc Code of Business)....

 

You now need to get an alternative account with another bank just in case - Halifax Easycash Online (although their customer service is bad) or the Post Office are good bets.

[anditipping]

wonga has just done the same to me today and have taken 900 quid out my account leaving me with £100 to last me till 30th november.

 

dunno what to do now

[dx100uk]

We have been telling people to put a letter into their bank instructing them not to make any payments under any circumstances to these companie

http://whatconsumer.co.uk/visa-debit-chargeback/- it works!

 

banks MUST follow written intructions from their customers !

This fsa guide has now been updated:

 

http://www.fsa.gov.uk/pubs/consumer_...ghts_guide.pdf

 

Here's the text:

 

Cancelling a regular

card payment:

 

When you give your credit or debit card details to a company and authorise them to take regular payments from your account,

such as for a gym membership or magazine subscription,

it is known as a ‘recurring transaction’ or ‘continuous payment authority’.

These are often confused with direct debits, but do not offer the same guarantee if the amount or date of the payment changes.

In most cases, regular payments can be cancelled by telling the company taking the payments.

.

However,

you have the right to cancel them directly with your bank or card issuer by telling it that you have stopped permission for the payments.

Your bank or card issuer must then stop them – it has no right to insist that you agree this first with the company taking the payments.

Be aware, though, that you will still be responsible for paying any money that you owe.

.

see: http://www.consumeractiongroup.co.uk/forum/showthread.php?336569-How-to-remove-a-lender-s-continuous-payment-authority(2-Viewing)-nbsp

.

http://www.fsa.gov.uk/pages/consumerinformation/product_news/banking/know_your_rights/solving/index.shtml

dx

[gunny45]

I'm just about to on the 9th to default on my payment, i will then get a payment plan set up with them, but today i called wonga and asked them to take off/delete two of my three cards they had on their system they did this, i then called them back and asked if i defaulted on my agreement what cards/accounts would they try and take money from and they said they only had one card now on their system and only that card they would try and take money from, is it that simple??

[gemspan]

I'm having problems with RBS at the moment due to a payment being taken for £30.49 to Network Solutions. I didn't know what it was for and tried to contact the company. they never got back to me so I have had to contact RBS. They refunded the debit and sent me forms to complete. I completed the forms and instructed them on there not to make any payments to this company. they then sent me back the other side's response and asked me to reply before 4th January. This arrived just before Christmas but I completed it and sent it off. I explained that I no longer have this account with them and because my account was cancelled any payments should have been cancelled with it. they didn't receive it before 4th January and took the money out again and are refusing to refund it. I've just sent them the links found in this thread and given them until tomorrow at 5pm to deposit the money back into my account. They told me they cannot stop any payments leaving my account. Since I instructed them not to pay this company they have taken a further 3 payments. These have been refunded but the £30.49 has not. It's a disgrace!

[scrambled77]

To all those with wonga loans that are having trouble.... go onto your account and click onto the set up re-payment plan... fill in the means form and don't leave yourself skint!!... then submit your re-payments and booom.. They will freeze interest and you done get stung, they get there money and everything is pukka

[renegadeimp]

Except they ask for waaaaay too much info on that I&E form. They're not even entitled to know peoples finances.

[gemspan]

I took a wonga loan for £400.

 

 

I paid back £200 and then became ill so couldn't repay the rest.

 

 

I have had constant phone calls from somewhere that are using all different types of numbers to try and get me to answer.

 

I answered on Friday and now they say that the debt is £960.....for a £200 balance.

 

 

Is this correct?

 

 

I cannot pay anything like that as I am now very poorly.

 

Does anybody have any contractual info on what they can charge and what they can't?

 

 

Thank you!

[renegadeimp]

They only said that because it was over the phone.

 

Can you give us some dates?

[gemspan]

what do you need?

 

 

They were able to give me the amount that I had paid and said that with interest etc the balance was now £960+

 

 

I have had letters saying the same thing which I just disregarded because obviously that is nonsense!

 

 

The loan was taken out September 2011.

 

 

In fact I took another one and paid it off,

then had this one and paid £200,

then became sick.

 

 

surely they can't get away with this?

 

 

I thought the interest was only allowed to run for the duration of the loan ie a month, is that wrong?

 

 

It appears that they have been applying their ridiculous amounts of interest over the entire period since it defaulted.

[renegadeimp]

Did you ever tell them that you couldnt pay because you were very ill?

[gemspan]

No I didn't!

 

 

I did think I read on here a while ago though that they could only apply interest for the length of the contract

and that is really the information I am looking for.

 

 

I will be making a payment plan with them but I cannot understand for the life of me how a £200 debt has now gone to £960...

 

 

..that is outrageous!

[gemspan]

Can anybody direct me to this information please?

 

 

I'm very disappointed that recently whenever I have asked questions that I can't find the answers for myself.

...that often the questions go unanswered.

 

 

This never used to be the case with this site....it was always full of very helpful people.

 

 

Can anybody help me? If not, please let me know and I will go elsewhere. Thank you

[AndyOrch]

" Does anybody have any contractual info on what they can charge and what they can't? Thank you! "

 

Refer to their Terms & Conditions on the agreement you signed and agreed to.

 

Regards

 

Andy

[renegadeimp]

Did wonga chase you at ANY time whilst they were adding on interest to the account when you werent paying? Really, if they had no contact with you for a prolonged time, they should have stopped interest and terminated the account, and not kept the interest accruing purely for self gain. However, this doesnt absolve you of the fact that you really should have told them you were in financial difficulty/illness, so they ould have no room to move.