Help and or advice needed with Wonga and filing some kind of official complaint?

[catzilla27]

Hi All!

 

I hope you can help.

 

I, like so many others, took out a payday loan with Wonga. I couldn't pay it back in March, so I entered into a payment arrangement for 12 months for £57 a month. All this is fine and I am making my payments, but... by standing order.

 

I surfed these forum posts when I started this with Wonga, and took advice on changing my debit card etc. I made it clear to Wonga that I would be paying by standing order, and they passed on details of the account I should pay each month. All sounds fine until I mention that every month without fail I get sent emails threatening to (firstly) take the entire amount from my debit card as I haven't paid etc. The usual Wonga stuff. You see, they can't get their heads around the fact that I pay by standing order. Or their computer system can't, perhaps? The emails get worse over a few days with more threats adding stress onto the situation etc. Makes me want to pull my hair out. How can they be so incompetent!

 

Todays email...

 

We’ve been unable to collect your overdue instalment payment, despite our attempts to do so from the debit card you provided, and by attempting to contact you.

 

As explained previously, from 10pm this evening we’ll cancel your repayment plan and attempt to collect the full balance you owe - £445.22. This includes all the interest and fees you would have avoided if you’d kept to your arrangement. Interest will continue to accrue until the full balance is paid.

 

We’ll also make further attempts to collect the money you owe from your debit card, either in one payment or in several amounts on a continuous basis until the amount you owe is repaid

 

Seriously Wonga... Are you that daft?

 

I made sure that my standing order goes out before the due date, so the money does reach them in time. They're just not communicating internally. So, yeah every month after about 7 to 10 days they send me another automated email to say...

 

Thanks so much for your patience whilst we were checking your account. We are pleased to confirm that your payment was received just fine and your plan remains in good standing. We really do appreciate you keeping your word.

 

Please remember the status of your arrangement can be viewed and payments can be made at any time by logging into the MyAccount section of the site at wonga. You can keep up to speed around the clock.

 

To avoid any hiccups, please continue to ensure your debit card information is up to date. If you become aware of any potential problems, please contact our friendly collections team as soon as possible.

 

Thanks again for your payment and for working with us.

 

6 months of this idiocy has pushed me on to want to complain, but who to? and what about? Harassment? I feel harassed. I feel sick with it all and actually very angry.

 

Any ideas? Thanks!

[renegadeimp]

Calm down. This is easy to deal with. Youve paid as agreed and always on time. Theyve decided to harass you continuously annd cancel the repayment plan.

 

What you need to do now is write full and formal complaints to wonga, oft, trading standards and possibly let stella creasy mp know.

 

Wonga are trying to become a bank but already have their license actioned. Stella is looking for ways to stop wonga from becoming a bank and with all the problems with the company atm every single complaint helps.

[catzilla27]

I don't have the first idea how to complain to anyone. However, I am committed to doing so. Any pointers on how? Or where to get started?

[renegadeimp]

Im at work atm so dont have the links at hand, but hopefully someone can come and give you them. If not ill help more when i get home.

[catzilla27]

Great, thank you. I will have time this weekend to get some letters fired off to the relevant people. I'll keep the thread up to date with whatever comes of it.