Yet another Wonga Help Question

[Saffronflowers]

My husband has run into difficulties with Wonga, the emailed him to say that his payment has bounced but it seems from internet banking that they have taken part of the payment - how do we go about getting this back, we have requested a repayment plan and I have sent a letter saying they are no longer authorised to take monies from his debit card - any other info greatly received and thank you in advance for your assistance.

 

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[turkwyfe4lyfe]

Yep. If they cant take the full amount they will debit the account up to 5 times a day and take smaller amounts. You should declare ur card lost to the bank, not just get a new card cos those card details are still active for a period of time still...if u report it lost, its blocked straight away.

[renegadeimp]

Yep. If they cant take the full amount they will debit the account up to 5 times a day and take smaller amounts.

 

Which is a violation of OFT guidance and MUST be reported and not ignored or shrugged off.

 

To the OP, you need to instruct your bank in writing, to cancel the CPA that exists on the account and deny any and all transactions to the lender. The bank will say they cant, but the law says different.

[turkwyfe4lyfe]

Is it renegaide..Never knew that! Happened to me a long time ago, they took money from my account 5 times in the day just little amounts but never thought it was a voilation as there site says thats what they do x

[renegadeimp]

It doesnt matter what they say they can do, the law and regulation say different. Weve seen it here hundreds of times, including some posters where they had their entire account stripped in £20 or £5 transactions over the course of a few minutes. The bank tried to say they couldnt do anything and it took the intervention of the FOS and court action by the poster to sort things out.

[turkwyfe4lyfe]

What did the FOS do?

[renegadeimp]

FOS charge the lender just to investigate and the majority of the time got the poster their money back. The thing is, all this takes a lot of time. Thats why we advise people to get their finances secure BEFORE you inform them that you will default. Then if the bank decides to not follow your instructions, you can simply get a complaint in, issue a LBA, then take them to court where you are pretty much guaranteed to win. So long as you have followed the rules the whole time.

[turkwyfe4lyfe]

Ah ok. Thanks for that.

[Saffronflowers]

Thank you for your replies can we do a chargeback on these transactions as it has left us with no money what so ever?

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[Followme]

You'd be lucky for the bank to do that, they tend to plead stupidity in such things