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    • No I'm not. Even if I was then comments on this forum wouldn't constitute legal advice in the formal sense. Now you've engaged a lawyer directly can I just make couple of final suggestions? Firstly make sure he is fully aware of the facts. And don't mix and match by taking his advice on one aspect while ploughing your own furrow on others.  Let us know how you get on now you have a solicitor acting for you.
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    • Thank you for your reply, DX! I was not under the impression that paying it off would remove it from my file. My file is already trashed so it would make very little difference to any credit score. I am not certain if I can claim compensation for a damaged credit score though. Or for them reporting incorrect information for over 10 years? The original debt has been reported since 2013 as an EE debt even though they had sold it in 2014. It appears to be a breach of the Data Protection Act 1998 Section 13 and this all should have come to a head when I paid the £69 in September 2022, or so I thought. The £69 was in addition to the original outstanding balance and not sent to a DCA. Even if I had paid the full balance demanded by the DCA back in 2014 then the £69 would still have been outstanding with EE. If it turns out I have no claim then so be it. Sometimes there's not always a claim if there's blame. The CRA's will not give any reason for not removing it. They simply say it is not their information and refer me to EE. More to the point EE had my updated details since 2022 yet failed to contact me. I have been present on the electoral roll since 2012 so was traceable and I think EE have been negligent in reporting an account as in payment arrangement when in fact it had been sold to a DCA. In my mind what should have happened was the account should have been defaulted before it was closed and sold to the DCA who would then have made a new entry on my credit file with the correct details. However, a further £69 of charges were applied AFTER it was sent to the DCA and it was left open on EE systems. The account was then being reported twice. Once with EE as open with a payment arrangement for the £69 balance which has continued since 2013 and once with the DCA who reported it as defaulted in 2014 and it subsequently dropped off and was written off by the DCA, LOWELL in 2021. I am quite happy for EE to place a closed account on my credit file, marked as satisfied. However, it is clear to me that them reporting an open account with payment arrangement when the balance is £0 and the original debt has been written off is incorrect? Am I wrong?
    • OMG! I Know! .... someone here with a chance to sue Highview for breach of GDPR with a very good chance of winning, I was excited reading it especially after all the work put in by site members and thinking he could hammer them for £££'s and then, the OP disappeared half way through. Although you never know the reason so all I can say is I hope the OP is alive and well regardless. I'd relish the chance to do them for that if they breached my GDPR.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Wonga Payment Due


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Hi,

 

I am due to repay my Wonga loan tomorrow. I cannot afford to pay this. I cannot even afford the loan extension payment. I have nothing. What should I do? Should i contact them in the morning or do nothing? Are they likely to bombard me with phone calls? I do not want that if I can avoid it as id rather my family never knew about this. Any advice would be appreciated?

 

Thanks

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Hi,

 

I am due to repay my Wonga loan tomorrow. I cannot afford to pay this. I cannot even afford the loan extension payment. I have nothing. What should I do? Should i contact them in the morning or do nothing? Are they likely to bombard me with phone calls? I do not want that if I can avoid it as id rather my family never knew about this. Any advice would be appreciated?

 

Thanks

 

 

Hi

 

I would email them and explain you can't afford to pay the loan back but instead offer them X amount per month until its paid off.

 

I did this and they froze all interest and I had it paid off in 4 months.

 

I wouldn't worry too much about it, have a look through these forums and you'll see more and more people are in this situation and it gets sorted easily :-)

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Hi Lizzy,

 

Thanks for taking time to respond. Do you have an e-mail template you reckon i should use or should I just try put something together?

 

Stewart

 

I havnt sorry, all I wrote was basically I didn't have the money I though I would have, and that I was 100% willing to pay what I owe etc

 

I owed just over £1000 and I offered to pay it over 6 months and they were fine with this and set up a payment arrangement for me. They also froze all interest, provided I stuck to the payments.

 

If you search for wonga, or payday loans on here, you'll find loads of useful info regarding setting plans up and templates you could use.

 

I had gotten to the point where I borrowed money, got paid, paid wonga back, and then had to borrow again to get through the month, after a few months I couldn't even pay it back when I got paid!

 

I wish I'd known how easy it is to sort !

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Thanks again. I have tried this for starters. I'll let you know the response

 

To Whom It May Concern

 

I am due to make a loan repayment on my Wonga Loan tomorrow, Sunday 21st October. The original loan was taken out on Wednesday 29th August for £568. I made a repayment of £124.29 on the 20th of September which extended my loan repayment date until 21st October. Unfortunately I am now in a position where I am unable to make a payment on the 21st October. I cannot even make a payment to extend my loan for another month, I simply do not have the cash due to me having various debts that I am struggling to pay off. I currently cannot afford to pay the £760.43 i now owe Wonga. I do not dispute this debt and would like to pay this debt off on full but would appreciate if Wonga would be able to assist me in this by freezing interest and charges on the account. I would like to offer £50 per month towards this debt until it is paid off, i cannot afford anything else at the moment. If my financial position changes I would be happy to pay more with a view to getting this debt paid off quicker. Can I please be contacted by e-mail on this issue

 

Any help with this on Wonga's part would be appreciated

 

Kind Regards

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The Snake.

Just a bit of info for you.

 

I had the same predicament as yourself some months ago.

 

I found that Wonga were a bit slow in answering the email that I had sent them.

 

I phoned them up.

 

They told me to phone back before 5pm on the day that the payment was due.

Then they would discuss the matter with me regarding a repayment plan.

I know people will advise you not to phone,

but it is far quicker to sort things out.

 

After you have arranged a repayment plan,

they will send you an email containing a list of the dates that the payments are due.

But YOU MUST get this email,

as it is proof that you have arranged a repayment plan.

 

Wonga did tell me that they cannot set up a repayment plan until the date which the money is due,

 

something about breach of contract.

 

You also have to phone before 5pm,

otherwise extra charges might be applied.

 

They seemed very understanding.

I wish you luck.

 

Keep us informed of the outcome.

 

Regards,John.

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Ive never had a problem with Wonga. My original debt was 301, i moved my money out the account as i couldnt afford to pay it so i defualted on it. I left the account with money with a balance of zero as i know they make several attempts if they cant take it the first time,... all month it was empty. when i transferred some money over for council tax at just before midnoght on a sunday....council tax direct come bk returned because wonga took it first.f**kers! So i sent letter with 50 quid postal order to wonga which they took 2 weeks to credit and then i emailed saying i cant pay the rest in lump sum so they put me on repayment of 48 a month for 4 months. I must say, By far the easiest payday lender ive ever dealt with.

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