Wonga default

[Dadsmada]

I did receive a letter 2 weeks ago rene but she threw it out by mistake when they call tomorrow I will give them my email address and state in writing only to them

Fortunately I'm a strong character and by reading the forum for the last month have a reasonable understanding of my rights

[renegadeimp]

What he recieved was a simple threat letter designed to try and force communication. As i said, when something of actual substance comes along, then start responding. The OP most likely has a standard form letter from mucky hall. The same letter every debtor gets from them.

 

If they call tomorrow, do NOT talk to them. Just say "in writing only" and hang up.

 

That is not my advice, that is CAG's stance on dealing with creditors by phonecalls. Do NOT give them your email address over the phone. As i keep saying, wait till they provide something of substance before you communicate with them.

 

So far, all youve gotten is "give me money or else" letters/phone calls. Thats it.

[Dadsmada]

Yeah it was pretty standard amt owed ways to pay contact numbers etc and ramifications of non payment

Thanks for all your help and I will post tomorrow and let you know outcome of phone calls

[renegadeimp]

Remember, dont talk to them. They will NOT provide a transcript for you, and when you try to question them, they will deny all knowledge of the call. Remember, trading standards have a big file on them for a reason. You seem to be content on giving in and falling into their trap.

 

If they call you, tell them in writing only. If they call you at work, then you MUST start official complaints, as they are NOT allowed to call you at work. In fact, if you sent the telephone harassment letter, they are not allowed to call you at all. They have to communicate in writing. If they breach that letters instructions, they will be bordering on criminal harassment and also violating OFCOM regulations.

 

 

Anyway, thats my advice and also CAG's stance. Whether you choose to follow it or not is up to you, but remember, if you start responding and giving in to them ( which it seems you are doing), they will mark you as a cash cow, and will NOT back down. CAG has hundreds of threads on this company. We know exactly how to deal with them and exactly what they will do. And if you dont read up and follow advice, then you arent going to like the outcome.

 

One more thing, the reason ive been restating this is because they have been known to buy a debt. Take a settlement of the debtor for a percentage of it, then sell the rest to another DCA who will come along in a few months or a year or so, and pile on their own charges on top.

[Dadsmada]

My problem is I know my rights with regards to payday loans capital plus one mth interest any other charges nonenforceable - this is a diff ball game

I respect your advice and will follow tomorrow

 

Thanks again

[renegadeimp]

Im not saying you dont know your rights far from it. But the one months interest thing was never proven or substantiated in any way. What CAG advises is you pay the original loan plus agreed interest then see if they justify the unfair charges etc. Normally they will start adding on late fee's ( penalty fees that are reclaimable), plus £200 plus for passing it to a "solicitor. This "admin fee" is entirely unfair and unenforceable.

 

Anyways, i hope everything works out for you. Just remember what i said, and make sure you stand your ground. Mucky hall are very well known to us, thats why i've been so hardline in this forum when talking about them. Plus ive had my own dealings with them too.

[Dadsmada]

Cheers rene I have emailed them informed them that I only wish to be contacted in writing and any further phone calls will be treated as harassment and trading standards / god / ofcom informed

[Dadsmada]

Sorry that meant to say fos not god ( predictive text )

[renegadeimp]

Good luck. If you need any help at all, let us know. These muppets can be tricky to deal with. however since you got called at work, you must issue a complaint to the oft and their local trading standards office.

[Dadsmada]

Is that the south Ayrshire trading standards office?

[renegadeimp]

Think so yea. Its the one closest to their address.

[4urbabies]

I had a wonga loan of £500 about 18 months ago and got in a financial mess. I could not repay them.

I now have a threatening letter from thiere legal team demanding £1800.

I have made them an offer of £10 per month which will kill me, but what I want to know is where this £1800 comes from and can I dispute the figure.

If this is interest then I am shocked to the core. Can I make them reduce the interest as this is more than a little obscene.

[renegadeimp]

1800 is unenforceable and full of bogus charges. email wonga and ask for a FULL breakdown of the debt. Make sure that you do not accept liability for that amount.

 

If you took a 30 day loan out, then you only owe the loan plus original interest, the initial default fee minus any payments you have made so far. they cannoy add on tons of interest and penalty fees as they will be unfair.

[chezelle82]

I had a wonga loan aswell last year for 490 they passed it on to mackenzie Hall who ring me about 10 times a day I just ignore them now I offered £40 month an they refused so see them in court they can have a £1a month Then

[renegadeimp]

If they are calling you a lot, contact the OFT and their local trading standards. THeyll sort MH out. Dont just ignore it as theyll think they are allowed to keep doing it.