Wonga repayment plan cancelled by Wonga?

[RiHarv]

I've been paying Wonga the repayments of around £40 a month as agreed in our repayment plan. This has been happening for over a year, without any problems. I noticed a month ago that my payment bounced back into my bank account. I tried to manually pay the amount online but again it bounced back. I then contacted Wonga via email to ask what the problem was and to assure them that I was attempting to pay the amount. I got an email response a number of days later to say my interest will be frozen for 35 days until an offer was agreed. I then emailed back with my original offer, as my financially situation had not changed. Sent my income and expenditure sheet and stated that I've been paying this amount for over a year and I can't pay anymore.

 

They declined my offer and have requested the following information:

 

We do require the following:

REDUCTION IN SALARY- Salary Receipt

3-6 Month Bank Statement ;

P45 if currently unemployed or

Proof of Benefits.

Over burden of debt : 2 bill prints

 

 

What should I do?

 

Kind regards

Rick

[renegadeimp]

REDUCTION IN SALARY- Salary Receipt

3-6 Month Bank Statement ;

P45 if currently unemployed or

Proof of Benefits.

Over burden of debt : 2 bill prints

 

They are entitled to NONE of those.

 

The only thing they are legally entitled to is a very simple budget summary signed as a declaration of fact. Nothing more.

[havinastella]

How much did you borrow? How much have you paid back? How much do they claim you owe?

[citizenB]

You should write/email asking why they suddenly started to refuse your payments without reference to you. Tell them you need this information in writing so that you can make a complaint to the OFT and Financial Ombudsman.

[Trurider]

Don't wait - Complain to the Ombudsman now and detail your case. Wonga are not the nice people they pretend to be.

[2009dg]

Oh they cancelled mine too. I'm defaulted on my credit file, some months it comes up with 'arrangement to pay' some months just 'default'. I have only been paying £10 since September and since they cancelled my plan I have been in disagreement over how much I owe. I claim a start of £658 (they agree at start of repayment plan) with current balance of £558, they claim a starting balance of £740 and seem not to have reduced it for anything I've been paying.

 

I will continue to pay £10 until I can afford to pay more, they don't seem to be taking any further action on me at present.

 

Oh and communication with them is terrible, most of the time it's the same generic email 'it is better to phone us' etc then never seem to read my emails.

[jeb192]

I had a plan set up too. I made my first payment early with an extra £12.50 on top. I thought this would show willingness to pay. However as I didn't pay on agreed date via cpa they have cancelled my plan and are saying I owe them everything plus the interest I accrued whilst interest was frozen. They are threatening to raid my account for the total amount.

 

This makes little or no sense to me, I refuse to speak to them by phone. The tone of their email is beyond rude and when I have emailed them stating I have clearly paid the money they just send a reply that it would be easier to discuss by phone.

 

This is what I received:

 

We haven’t been able to collect your first instalment, despite our attempts using the debit card you provided and by contacting you.

 

As explained previously, we would have frozen interest on your account when we received your first payment. But as we haven’t received it, this didn’t happen. We`ll cancel your repayment plan from 10pm tonight and try to collect the full balance you owe: £1,311.02. This includes all the interest and fees you would have avoided if you`d kept to your arrangement. Interest will continue to accrue until the full balance is paid. Please get in touch before 10pm to discuss your options.

 

You should also be aware that we’ll be making further attempts to collect the money you owe from your debit card during the course of your loan (up to 120 days past your due date). We will try at first for 80% of the outstanding balance and will continue to attempt to take a payment of decreasing amounts until we successfully collect a payment. If 80% is unsuccessful, we will try 60%, then 40%, then 20%, then 10%. We will never take less than £10. If you have provided us with details of another debit card and we are unable to collect from your primary debit card, we will also attempt to collect payment from the most recently saved card in the same decreasing amounts.

[ukaviator]

Wonga will use this method to pay off a debt via a Continuous Payment Authority, it's designed for businesses to claim payment from your account on an ongoing basis. This is what seems to have happened to you here, you need to get another bank account. A CPA gives the company you are paying the mandate to take payments on dates of their choosing and for different amounts.They may wipe you out if you do not get another account set up. Also do not give them details of work etc.. Once you have a new account set up negotiate with Wonga to freeze interest and offer a realistic repayment plan. Use a standing order to pay them.

[jeb192]

Thanks ukaviator, I continued to refuse to speak to them on the phone and demanded they reinstate my payment plan. After a week of fighting I just received this email:

 

Thanks so much for your patience while we were checking your account. Your payment was received and your plan remains in good standing. We really do appreciate you keeping your word.

 

The status of your arrangement can be viewed, and payments can be made anytime, by logging into the ‘my account’ area of our site.

 

To avoid any hiccups, please make sure your debit card information is up to date. If you know of any potential problems, please call us on 0207 138 8331 asap.

 

Best wishes,

 

Collections Team

 

What a change in tone!!! Don't give in to them. If they cancel your plan with no good reason you have every right to get it set back up again.