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Help with overdue wonga debt and loss of job?

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Hello there,

 

I have been just over £500 in debt with Wonga, and I'm about a month in arrears. I wasn't able to pay them back because I had to leave my job and home due to depression and move from Carlisle to Leeds to live with my parents. So I am now on Job Seeker's Allowance.

 

Wonga have stopped interest on my account, and did so when I emailed them really early when I lost my job. I have been trying to email them constantly to arrange a payment plan, unfortunately I can only afford around £20 a month due to a lot of other debts. It's taken them about a month to email back, after lots of emails sent from me, and they just sent a generic email linking me to the Financial Assessment form, which I filled out but they declined my offer of £20 a month and said they can only accept a minimum monthly payment of around £113. Which is way out of what I can afford.

 

I've heard bad things from ringing Payday Loan companies and emailing them has been so slow. Does anybody have any help on what I can do? I need to get this debt sorted, I have organised payment plans for all of my other debt creditors except one other (Three) and I do not want to become subject to depression again.

 

Thank you.

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They dont tell you what you can afford, you tell them or drop it to £1 a month. No negotiation. If they dont like it, then we can help you further.


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,

 

How do I tell them? Through an e-mail or should I ring them?

I'm scared of ringing them in case they persuade me to pay something I can't afford or just use those clever conversation skills to get their way.

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Never call them. Keep everything in writing so you have a full paper trail. Send any letters either by email, or by royal mail recorded delivery.

 

If they try to ring you, simply dont answer any questions and overtalk them saying " everything in writing please" and hang up.

 

Remember, its your phone line, your life. They cannot force you to do anything. YOU are in control over repayments. NOT THEM.


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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