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Townsk

Wonga - please help

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I have been using wonga for the past year and never had a problem repaying my loan back but now my partner is loosing his job I can't meet my repayment date and very worried what to do I can't afford for them to take the money out of my account - should I report my card lost and get a new one will this be enough to stop them I bank with Halifax.

 

Do I contact them now or wait until end of month

 

I owe 1325 which I would be paying at end of month - how do I set up a repayment plan I can pay back 100.00 per month

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I have been using wonga for the past year and never had a problem repaying my loan back but now my partner is loosing his job I can't meet my repayment date and very worried what to do I can't afford for them to take the money out of my account - should I report my card lost and get a new one will this be enough to stop them I bank with Halifax.

 

Do I contact them now or wait until end of month

 

I owe 1325 which I would be paying at end of month - how do I set up a repayment plan I can pay back 100.00 per month

 

Can anyone help I'm really worried about this and don't know what to do

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contact them now before they start adding interest.Yes cancel your card say its lost I did .Then I only made payments to them via FPI -FAST PAYMENT OPTION

Send them a income and out come expenditure form .I did mine via NATIONAL DEBT HELPLINE you could even phone the NDH http://www.nationaldebtline.co.uk/england_wales/

who can advise better than me.I got all my info from the other treads on here .

Also put

My offer of repayment is £*** per month. I have sent you all required information

I feel i must remind you of your obligations under OFT guidance on debt collection in regards to this debt Please reply within 24 hours.

 

.If you can get a letter from Halifax showing what payments you have already made to them scan that into your email.This shows that until your change of circumstances you paid regularly.

.

These are the e-mail Address's I used

 

hardshipreferrals@wonga.com

assessment@wonga.com

 

If they try and fob you of contact these guys-

aohn.hegarty@wonga.com

errol.damelin@wonga.com

 

keep all your emails to and from Wonga so should it ever go to court you have proof you tried to sort the situation and that it was Wonga who stalled.But after contqacting the two last emails with all my emails I had sent./Received they accepted my offer

 

.

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contact them now before they start adding interest.Yes cancel your card say its lost I did .Then I only made payments to them via FPI -FAST PAYMENT OPTION

Send them a income and out come expenditure form .I did mine via NATIONAL DEBT HELPLINE you could even phone the NDH http://www.nationaldebtline.co.uk/england_wales/

who can advise better than me.I got all my info from the other treads on here .

Also put

My offer of repayment is £*** per month. I have sent you all required information

I feel i must remind you of your obligations under OFT guidance on debt collection in regards to this debt Please reply within 24 hours.

 

.If you can get a letter from Halifax showing what payments you have already made to them scan that into your email.This shows that until your change of circumstances you paid regularly.

.

These are the e-mail Address's I used

 

hardshipreferrals@wonga.com

assessment@wonga.com

 

If they try and fob you of contact these guys-

aohn.hegarty@wonga.com

errol.damelin@wonga.com

 

keep all your emails to and from Wonga so should it ever go to court you have proof you tried to sort the situation and that it was Wonga who stalled.But after contqacting the two last emails with all my emails I had sent./Received they accepted my offer

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Thank you for the info will do that today do I need to go into my bank with a letter asking them to stop all CPA to wonga?

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I just called them and told them had lost my card .If your on line banking with Halifax just search your statements and copy paste the payments that you did make .

BUT DO NOT WORRY.If your worried about anything call NATIONAL DEBT HELPLINE .They helped my daughter get out of a major fix that was making her ill.Good Luck

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Before you think of contacting them, you MUST secure your money and bank account. PDL's including wonga are well known for automatically taking money the second they get a hint that you might default.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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thanks I will do i cant move my money to any other account or open a new one so how do i secure it ive reported my card lost so waiting for a new one - do i tell me bank not to allow any money to them?

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You need to write a letter with specific wording, and take it to your branch before close of business at the latest the day before the payment is due to happen.

 

So if the payment is due on a friday, then the letter must be taken to the bank, photocopied, stamped and signed by thursday close at the latest.

 

If you need help, let us know. Also tell us the name of the bank, as some banks think they are above the law.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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my payment isnt due until end of this month 31st oct and i bank with the Halifax - what do i need to put in the letter

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do i have to tell my bank about the problems im having with them - i have my overdraft which i pay each month but use and I cant afford to loose that so dont want to worry my bank

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Nope. It is no concern of the bank what happens with your money. If you instruct them to stop specific payments and mechanics to a creditor, under UK law they MUST comply, unless the transaction was initiated by a court authority.

 

You also shouldnt just write that you want a payment stopped. There are a few other things to instruct them about to. If you need help, let us know.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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ok can you tell me what i need to put in the letter or how to draft it - is there a template I can use - i def need help and thanks for the info so far

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Can someone tell me what I need to put in my letter to the bank please as I will have to do this on Monday coming

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ok so story so far - i cancelled my card with my bank and also asked them to cancel the automatic payments which they did - the loan was due to be paid yesterday and I sent emails as soon as it was due however i am yet to receive a reply

 

I did receive a phone call yesterday which i answered and was an automated service so hung up and received a text today to say it was still unpaid and to log into my account and make a payment etc

 

how long do they have to reply - i have sent to the below email address and still nothing

 

assessment@wonga.com

ahon.hegarty@wonga.com

errol.damelin@wonga.com

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Hi Townsk

 

If you read my thread which is prob just above or below this one you will see it was 5 days from the due date that they acually replied to my emails.

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