wonga .com DEBT £514.16

[clairemul]

can anyone please tell me what is the best way to deal with this debt ?

DEBT 8 HUSBAND wonga .com DEBT £514.16

This debt is not on CRAs

Started in 23/3/2012 borrowed £270.50 for 7 days to pay back £289.13 wonga wrote out in 2nd april 2012 asking for £314 has now been passed to collection agency portfolio recovery associates last letter dated 27/11/13 asking for £514.13

[renegadeimp]

Wonga probably loaded on charges and interest before selling it so it would look more enticing to a debt buyer, or the DCA has added unlawful charges to it.

 

Either way, do not pay a single penny until you get a full breakdown of the debt.

[clairemul]

is there a template letter ? or write my own ?

 

 

could any give me prompts if no template please

 

 

thanks again for your time

[renegadeimp]

Just tell them that you want a full breakdown of the debt. Doees PRA actually own this debt or are they just the talking shop for wonga?

[fletch70]

Such fun !

 

They are Mucky Hall

 

As Renegade says, are they acting on behalf of their client Wonga or do they own it in which case you should have had a letter saying they are now the data controller.

[Tawnyowl]

How about sending a CCA request.You want full details of all these charges.Costs a pound.

http://www.oft.gov.uk/about-the-oft/legal-powers/legal/cca/unenforceable-credit-agreements

Borrowers and hirers are able to ask creditors to send them information about their credit agreements. If information is not provided within 12 working days, the debt becomes unenforceable until they get the information they asked for.

Sections 77, 78 and 79 of the Consumer Credit Act 1974 outline the information creditors must provide to debtors under fixed-term, running account and hire agreements.

Under these sections a debtor can pay £1 to get:

 

• a copy of their agreement
  
• copies of some of the other documents mentioned in their agreement
  
• a statement of account.
  

 

 

Date

Dear Sir/Madam

Re:- Account/Reference Number 1234567890

With reference to the above agreement, I require you to supply the following documentation before I will correspond with you further on this matter.

1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement, under the legislation contained within s.78 (1) Consumer Credit Act 1974.

2. A full statement of account.

3. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists.

4. A copy of any other documents referred to in the agreement.

I understand that under the Consumer Credit Act 1974 (Sections 77-79), I are entitled to receive a copy of our credit agreement on request. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. Please note that under no circumstances should this payment be set aside any alleged debt. If you are unable to supply the documentation requested, this fee should be returned.

I understand a copy of our credit agreement should be supplied within 12 working days.

I understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

I look forward to hearing from you.

Yours faithfully

Mr A N Other

 

Or This one-Take your pick.

CCA Request - Consumer Credit Act 1974 with Form Fields PDF:

 

Attached Files

• ASK YOUR CREDITOR FOR A COPY OF YOUR CREDIT AGREEMENT UNDER THE CONSUMER CREDIT ACT 1974 - with .pdf‎ (21.5 KB, 220 views)
  

Edited January 4, 2014 by tawnyowl

[fletch70]

Only problem I can see with that is that the statement of account need only be "you owe us £xxxx"

 

Again you are unlikely to get the DOA but could ask for the NOA

 

It does strike me as being a waste of money as they will only print off a copy with your digital signature or at worst do a recon.

 

Remember that this is Mucky Hall we are dealing with

[renegadeimp]

Actually, the statement of account must clearly show the status of the account, when charges were added, how much they were, what they were attributed to. They cant simply say " you owe us xx now pay up."

 

like fletch said, a CCA for a PDL would be pretty much pointless due to it being so recent and them being able to get a recon.

 

First steps though are to check who the real owners are, then get am itemised statement of account. Also, wonga can, but rarely ever do enter an entry on your credit file. They only ever do this just before they sell it, out of sheer spite.

Edited January 4, 2014 by renegadeimp

[Tawnyowl]

I see.They want to know about all the charges that have been put on.

I wonder which is the best way then to find out.

A while now since i had dealings with DCAs.But yes can be tricky.

A cast iron letter needed.Which they may ignore by the sounds of things.

But the CCA would put things in dispute for a while would it not.

Who is good with a quill.I had better retire now from this thread.

Which is the best way to go.

The amount they are asking for has increased so much.

Edited January 4, 2014 by tawnyowl

[fletch70]

Renegade

I am sorry to argue but if you read OFT 1272 you will see that there is no requirement to supply a full break down of charges. It is however binding . so if they say you owe £300 they can then not say oops it was £500

The CCA letter in the library was recently changed after I pointed it out and I doubt they would have done that just because I said it

 

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/OFT1272.pdf

[renegadeimp]

No obligation but if they dont supply a breakdown of the debt, then why pay them? Even in court a judge would order a full breakdown of the debt to see how it is made up. Especially if the numbers dont add up.

[fletch70]

I see.They want to know about all the charges that have been put on.

I wonder which is the best way then to find out.

A while now since i had dealings with DCAs.But yes can be tricky.

A cast iron letter needed.Which they may ignore by the sounds of things.

But the CCA would put things in dispute for a while would it not.

Who is good with a quill.I had better retire now from this thread.

Which is the best way to go.

The amount they are asking for has increased so much.

 

For that I would be either writing to Wonga or do they have an account log in?

I believe that they should be sending out statements on a regular basis anyway but I stand to be corrected on that

[Tawnyowl]

Seems the best way to go.Write or if still possible log in to the Wonga account.

Quote.

Started in 23/3/2012 borrowed £270.50 for 7 days to pay back £289.13 wonga wrote out in 2nd april 2012 asking for £314 has now been passed to collection agency portfolio recovery associates last letter dated 27/11/13 asking for £514.13

 

So from 2nd April 2012-314.00.When was the debt passed to portfolio.And how much for.

As says the last letter was 27/11/2013.Were there others,a difference unless misprinted the year of 19 months.

Do Wonga wait that long.

 

I see Clairemul is also in difficulty with another lender.

Thread here.

http://www.consumeractiongroup.co.uk/forum/showthread.php?414056-wage-day-advice-express-finance-%A3766%281-Viewing%29-nbsp

 

Just in case Clairemul advice is also available here.

https://www.moneyadviceservice.org.uk/en/articles/where-to-go-to-get-free-debt-advice

 

FREE ONLINE HELP FROM MONEY ADVICE SERVICE

Free online help with budgeting is available from the Money Advice Service here:

www.moneyadviceservice.org.uk/en/categories/managing-your-mone

Edited January 4, 2014 by tawnyowl