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I have had a Lloyds TSB current account for many years and I have NEVER had a loan from Wonga.com. While on holiday over Christmas, Wonga.com took, on one day, just short of £500 from my account causing me to go into an overdraft situation and incur charges.

 

Upon my return on the 28th and realising the situation I contacted the bank who have refunded the amount until they could establish whether Wonga.com had any of my personal details (this was the only advice I received). I contacted Wonga.com via email and they advised that I cancel my debit card, which I have now done.

 

Having heard nothing further from Lloyds I called into the branch only to be told it is still beinvestigated and that I should receive a form from the fraud department asking for confirmation of the unauthorised transactions - still waiting.

 

Is there anything further I should be doing please?

Edited by Conniff

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first of all wonga would to toally liable for all charges that you incurred from them taking the money out . i would do a complaint to the FOS as well

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Personally I would write Lloyds a letter, summarising events to date (briefly and more to give yourself a copy).

 

Add to the letter that

1. You have no liability to Wonga and

2. That any payment authority has been revoked under the Payment Services Regulations 2009. Cancelling your card may not be enough, but the PSRs mean any payment will be reversed/refunded if Wonga try again.

 

The fact that Wonga asked you to cancel your card makes me think they have little confidence in their own systems ability to not ask for more payments.

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thanks for this, will do it today

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Also check your credit files to ensure no reporting has been made on them in respect of this.


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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

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