wonga adding interest to repayment plan

[sengamctavish]

Hi there, I arranged a payment plan with wonga in October to start in November. To be honest they were great. They froze the interest, I.made the first payment of 99 and then had to ask them to reduce it by 50 which did no problem. So my balance of 597 reduce down to under450. However I had some urgent car repairs this month so I had to ask my creditors Inc wonga to.accept a smaller payment of 10 in January and then split the rest of the Jan payment over the remaining months. Mr lender and sunny did this through email, no problems. I emailed wonga expecting them amend like the did before (after an email and phone call). But I had to phone them, I explained all to the helpful customer services chap who said hed sort this and I'd get an.email to confirm

And my payments would increase by just under 4 after January. No email came to confirm so I logged I to my account, and now my balance is at 603 and the 10 in jan was sorted but the rest of the payments were 73! I called them and went through the fact that I'd made payments as I'd initially thought they just forgotten to consider the payments already made and worked out the repayment plan as.if I'd not made payments. However the lady on the phone. Whilst very helpful said she would escalate the issue to hardship bad I'd need to do an I and e form. Saud thus was because I was asking for more than 12 months to pay. I said I wasn't and explained all again. She said that the interest on my account was frozen until I sort out the I and e and an acceptable offer is agreed. I got a statement if account and it shows interest being added since October, immediately after I've made a payment and ny balance as 603, and it shows the payments i've made. It looks to me as if the interest was never frozen but the interest was frozen! Part of the my account sections shows a balance of 450 why ate they doing this?

Help!

 

I'll get the I and e done when I'm back at work and am going to cancel the cpa and just make the 10 payment by transfer. Ive entailed them and said I'm bot shining a

[renegadeimp]

Tell them that if they do not stop interest as agreed, you will have no choice but to drop them to £1 a month for the life of the debt as their actions do nothing to help you.

 

And please, STAY OFF THE PHONE. They will lie and say ANYTHING to you in order to get you to agree to THEIR demands. Keep everything in writing and get complaints off to them. As youve already seen. They have lied to your fact by saying they will send an email to confirm the call. if you call them back questioning why they didnt, they will say no record of the convo exists.

[sengamctavish]

Thanks renegade. I'm so angry! Do you think I should do their I and e again? I'll we send in a complaint tomorrow as well and yes I'll stop discussing over the phone.

[sengamctavish]

Just saw my spelling isn't great! Sorry I'm using a keypad on a phone with a mind of its own!

[renegadeimp]

Dont do their I&E. Get a FULL complaint in. Keep it short and sweet and TELL them what they are going to get. Do not let them tell you.

[sengamctavish]

I've fired off a complaint and copied in the CEO. Hes on holiday so it's went to his assistant. I've also applied to step change change as I'll not be able to go back to paying 49 in February, and I've another 3 loans. 2 are on payment plans.

[renegadeimp]

Sounds like you are on top of things right now

[sengamctavish]

They sorted it out and they were great actually! That's me entered the dmp with Stepchange and so.far all except Mr lender have kept the interest frozen. My balance with a ML has jumped considerably since I.told them about my dmp on.Monday, even though they has already had me on.a frozen interest plan which I've been sticking to. I've not been told what the charges are for, and how much interest they are adding. I've asked them for it though. I think these are going to be difficult people to deal with.

[Bazooka Boo]

Drop ML from the DMP, and pay them £1 a month, end of.

[sengamctavish]

They've said it's one month intesest and they'll.apply it again on.1st Feb if not heard from.stepchange or payment made. They are saying they've not heard from.stepchange yet. Hmmmm.

[renegadeimp]

They can try and apply whatever they want. Doesnt mean youll be paying it.

[sengamctavish]

They've sent a letter today saying if they don't hear from me or if I.don't pay them by 31.1 they will pass file to MMF. They have said I can.pay.just the original l

[sengamctavish]

Orginal loan amount in one go or loan plus interset over 3 months and if I.use their recommended debt management co, debt reversehey will "guarantee to beat any offer and lower fees" than any other company and after the 3rd payment they will wipe the whole debt! Can you believe it! They know I'm going through Stepchange and are still insisting they've not heard from them.

[Bazooka Boo]

Unbelievable, drop them NOW from your DMP, inform stepchange to never pay them a penny again, just pay them £1 a month for the life of the debt.

 

Report them for bribery to the OFT & TS, puerile little fools sure fire way to have them stripped of the credit licence.

[sengamctavish]

I've sent the letter to SC. And i've raised a complaint on oft waiting on a call back and I'll discuss the letter with them. I want to avoid dealing with MMF so won't drop from dmp I'll see if ML respond to me. I've dealt with.MMF before and they left messages at my mum n dad's when I hadn't lived there for years I hate them!

[Bazooka Boo]

I cannot impress upon you enough just how loud you need to be complaining.

 

MMF are more than likely going to get their grubby mitts on it anyway,

as for them previously calling your parents address, this should have been reported to Ofcom, Police, trading standards and the press/media.

 

I would also get onto trading standards regarding their attempted bribery, that really is lower than a snakes belly.