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Morning all.


A couple of years ago I took out a Wonga pay day loan (March 2011). Unfortunately, due to having my hours in work cut by half, I wasn't able to pay it back as intended. I contacted Wonga at the time and we're no help whatsoever and failed to agree to a repayment plan with me. Since then I moved a few times and buried my head in the sand with regard to it.


This morning, I received a default notice from Portfolio Recovery Associates UK Limted demanding full payment of the loan by the 14th November 2013 or they will: (quote)


- send you a letter terminating the agreement

- demand you pay the balance due under the agreement with us

- report your default and non payment to credit reference agencies

- issue legal proceedings for judgement for the balance due uner the agreement


Now I'm pretty worried as I don't have the full amount to pay by then and no way of me getting it.


What should I do next?


Thanks :(


****** Edit


One other thing. I was fortunate in a way to receive this letter as it only has my name, street I live in, town and postcode - no house number so could have gone any where if it wasn't for my diligent postie :)

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Hi, I'm not an authority by any means, but you will probably need to firstly ascertain whether Portfolio legally own the debt.


Maybe a "do not acknowledge" letter to Portfolio, and an SAR to Wonga, for starters





"Every day, and in every way, i'm getting better and better" - Chief Inspector Dreyfus

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