Who should I report Wonga to? Is it the OFT?

[Eitha22]

I have a repayment plan with Wonga.

 

I pay £45 per month. I have paid three installments via standing order. There should technically be no problems as they have agreed it, and I am paying it with no problems.

 

However they refuse to confirm they have rec'd the payments (I mailed to check the bank details from wonga as they are different to any I've ever seen posted in this forum) and they point blank have refused to let me know despite the (12) emails I have sent - they simply reply with the generic mail " please call us"

 

Finally this morning they say they haven't had any payments and 'please call us". I am adamant to keep this to email - yet despite supposedly not getting payment, nor updating my online balance, they haven't chased up the debt in way - no calls, no nothing just responses to MY emails. This si since September.

 

Can someone please tell me how to deal with this

 

They did confirm the bank details eventually - but not my payments(obviously I have proof as they are all on my bank statements)

[renegadeimp]

Pay what you legitimately owe via your bank. Then when it reaches the total amount owing, stop payments and tell them to go jump off a cliff.

 

If you have everything in writing and full evidence of your transactions they would be stupid to do anything.

 

Also, they are in breach of their credit licence. Get a full complaint into the OFT and wonga.

[Eitha22]

I haven't got the bottle to do that - just leave it in mid-air I'm too much of a stressbag. I need to know where the hell my money is going to if they can't find it or are refusing to even attempt to locate it.

[renegadeimp]

Dont worry about it. You have proof you sent it to them. What they do with it is their problem not yours.

 

You could file a FULL complaint to the lender and the OFT. The lender would have 8 weeks to resolve the complaint or you can get the FOS involved.

[Eitha22]

I will do that - thing is I reckon they DO have the payments because my account balance has remained static they are not hammering it with charges AND they are making no attempt to recover the debt via any other channel so there must be something stopping them.

 

Thanks btw.

[renegadeimp]

Make sure you get that complaint to the oft asap, and make sure you tell wonga what you are doing. They are on very dodgy ground lately.

[Eitha22]

I' ll try to be brief!

 

I entered into a repayment plan with Wonga starting 30/11/2012. I pay via standing order. I have made every single payment as promised.

 

However they *lost* payments, they contact me every month saying I haven't paid, threaten escalation, refuse to communicate by email. Every time I mail them they send me a generic 'this would be better sorted out by phone' mail and it goes round in circles every single month till they *locate* the payments and apologise.

 

Last month was the worst and essentially their ineptitude made me think the wrong bank details had been input by myself and all my payments had gone elsewhere (they hadn't, but for a few hours I was sick with anxiety)

 

In addition to this my husband is currently receiving treatment for cancer (the loans are in his name) I have told them this and last month threatened to report them until they located all the payments and verified this via email. Eventually...that's what they did.

 

Paid my installment yesterday...guess what? Mail ten minutes ago threatening escalation etc. I'm keeping all this from my husband, but I'm at my wits end so now I need to know who to report them to because I am going round in ceircles on the OFT website - I cannot find any info on what I shouold do or how and who to contact : (

[wittsend]

you go through citizens advice, www. adviceguide.org.uk they have to have a lot of complaints so won't act on just one,keep all your emails as proof of harassment.

 

just a quick question, did they say payment to be made on xx of each month, if so you need to make it a few days before the date due, or was it payment to be made before xx of the month, if so and your payment is made before that date it is a fault at their end.

 

Make a formal complaint, in writing to Wonga, Head the letter FORMAL COMPLAINT, tell them that you are in a repayment plan with them, the payments are made on xx of every month,by standing order, and you have no Idea how THEY can say you havent paid on the same day the payment is sent to them, point out that you have informed them of your husbands illness and that they are harrassing you.which is against OFT guide lines. also tell them that you will not communicate by phone, any phonecalls that are received will be logged and recorded by date and time, all, communication will be by letter or email ,so you have confermation should any question about what has been agreed need checking

 

remember do not speak to them on the phone unless you can record the call, just tell them' i take it you have received my complaint of the xx/xx/xxxx so you know this call is being recorded. if you can't recored the call and they do phone, dont go through security checks ,just say in writing only and hang up.

 

My best wishes to you and your Husband hope all goes well with his treatment xx

[wittsend]

forgot to say keep a copy of the letter aswell xxx

 

the reason they want you to phone is to get you to give them your card details, saying it will be easier for them to take the money each month from your account. DO NOT DO IT, they have been known to empty accounts this way

Edited February 28, 2013 by wittsend
just had a thought

[dpick]

As wittsend say'swhen paying by standing order depending on the bank it can take between 2 hours and 3 days to be in the receiving account. My account at the Halifax had a problem a few weeks ago and instead of the payments being in the receiving accounts over night they did not appear until the third day.

 

dpick

[matttye]

Disgusting that they refuse to communicate via e-mail. Tell them you'll only communicate with them via a written method so as to protect the interests of both parties, in that any and all communications will be logged and available if a dispute arises later.

 

At least you're paying by Standing Order so you have control of the payments. I've read a lot of empty bank account horror stories with this company.