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Wonga cleared bank account!


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My son got himself in debt with wonga and had agreed a repayment programme with them of £40 per month. He thought the arrangement was set for the end of every month and had been paying since November, This month they tried to take the money on the 25th and the money was not in there, pay day is the last friday of every month so the cash went in today. They took £227 everything in the bank leaving him with nothing to live on, he rang them and they were very unhelpful saying they e mailed him on the 25th saying the payments were 4 weekly so they would not give the money back . Is there anything we can do to get the money back? He phoned the bank and they said he has to leave it 14 days before they can step in to try and get the money, what is the likely hood they will succeed?

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You need to speak to the banks management and demand a full chargeback as it was an unauthorised transaction. You do not have to wait for 14 days. They can do it immediately.

  • Confused 1

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..

 

 

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Doesnt matter. They still need to provide notice and get authorisation. Especially as it can leave debtors with no means to pay other bills. They cannot simply take it.

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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If there's a repayment plan in place and the debtor doesn't honour the payment due date, it's clear on the website that the full amount becomes repayable straightaway.

 

This (they will say) is the "notice and authorisation"

 

However. Do try emailing Wonga and explaining the mistake, advise them that this has left you (your son) in hardship. They might refund the money and set up the repayment plan to continue as it was (it's unlikely to be honest), that said, Wonga were reasonable with me when I got into problems and they've always been good taking their £40 something a month on my payday.

 

It's worth an ask. A lot of PDL company's are behaving at the moment and might show willing an refund te money.

 

I doubt you'll have any joy with a chargeback from the bank. It will be there on the repayment agreement on Wonga that should you miss a payment then they'll try for the full amount therefore, it can't really be considered an authorised transaction.

 

Good luck!

It never rains but it pours...

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Again, wonga still need to give advanced notice that they will either attempt collection, or invoice the debtor. They cannot simply take an amount from the bank without notice. This is in breach of Oft guidelines. It is considered an unfair clause in the contract.

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 for the replies, He has e mailed wonga to ask them to reconsider a refund, if as I think that will fail I will tell him to go ahead and contact the bank again tomorrow when they open, Do you know where he can make an official complaint against them? Though they did e mail him a couple of days before I do not consider that enough notification as he does not check his e mails very often , surely notice in writing should be given ?

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Did you email Wonga through their online contact form?

Keep pushing it. They will reply eventually.

Is anything owed on the account or did they take ALL of the outstanding balance?

It never rains but it pours...

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Yes it was there online contact form, there is still £30 owed I don't think they could take that as there was not enough in the bank. I will get him to e mail again, maybe putting it a little stronger, he has just asked them to reconsider paying back the money they took. His other direct debits have failed now because of them

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  • 5 weeks later...

Make sure you get full reports to the OFT and keep them updated as often as possible.

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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Make a report to the OFT and the FOS about this, Wonga are on their list of companies they may close down...

 

Slightly off-topic, but I've seen this list of 30 lenders mentioned a number of times. Do we know which lenders are on it? Payday Express? Safeloans?

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OFT hasnt said who they are... yet

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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I will send everything to the OFT, He received a letter from Wonga demanding payment and says he will get interest added. An e mail was sent to them on Friday with no reply, with an offer of monthly payments, also notified them that all copies of e mails and no response's were being kept and noted. Should I also get him to write to them? Thought it best to keep it to e mail and letters so we have copies

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Can i ask why he didnt go to the bank and claim a chargeback for an unauthorised transaction which left in him severe hardship?

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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Oh i get ya. Ok. The bank is breaking the law. Have a good read of the following two pdf's

 

http://www.fsa.gov.uk/static/pubs/consumer_info/know_your_rights_guide.pdf

 

http://www.fsa.gov.uk/pubs/consumer_info/know_your_rights_payments.pdf

 

They are in clear breach of uk law when they say they cant stop the payments. My advice would be to read up on the relevant legislation : Regulation 55 of The Payment Services Regulations 2009 and issue a full and formal complaint to the banks CEO. Give then the 8 weeks to respond with a final answer, then we can see if we need to get the FOS and the FSA involved, or whatever the FSA is called now.

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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