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    • I've been very agreeable all the way to this point, and I have started to think they have taken advantage of that fact.   Without going into massive amounts of detail, my reasons for not wanting to give them further opportunities to rectify the work are:   1. Delayed multiple times from outset with poor commuication and threats that I could not pull out (despite them breaching their own contract for start date) 2. Repair attempt 11th June (not all issues addressed) 3. Workers attended 5th June (Issues with work not addressed) 4. 28th June Matthew (director) attended and agreed work unacceptable- 5. 15th and 16th July- workers attended to rectify issues and actually made front drive worse by making unnaceptable paving cuts (raised in engineers report). Rear patio issues addressed (not all, and most serious issues remain)   Communication wise, my son has had an amicable discussion with the workers and director when attending my property. I have full CCTV front and rear and have all evidence including audio and video recordings of all interactions. I have not refused to communicate with them. I have refused to communicate with them via telephone as I said that I wanted to avoid misunderstandings etc. and I was also intimidated by receiving a threatening and aggressive voicemail, which again I have a copy of.   I understand the point about being reasonable and fair. I think I have evidenced that I have thus far. They have had ample opportunities and stonewalled me and sent debt collectors after me. Now I've provided evidence of their poor work, I feel they are realising they are looking at a large loss, plus legal costs they probably are unwilling to pay.   I would not be happy to pay for their independent assessment (they have not paid for mine). The majority of the issues that were raised in the engineer's report, I had already highlighted to them (such as the cuts of the bricks not being in line with manufacturer's guidelines- if you recall I had already contacted the manufacturer Tobermore for additional information)   If you feel I'm completely missing the mark here, then I'm happy to be guided by you, however the Consumer Rights Act only provides them with limited opportunities to put work right. Surely I cannot be expected to just sit here for months and just keep letting them try and try again, and only now that they face the prospect of potentially losing at court. I've been reasonable, polite and accommodating from the outset, and I have written, video and audio evidence of all of this.          
    • ok good defence due by 4th oct by 4pm.   so no you wont have gotten an n180 yet...
    • The claim form was dated 2nd Sept. Not filed defence yet.  Not had an  N180
    • Hi dx I have had an attempt at my witness statement just hope i have got enough in and the order sits well. Any thoughts would be welcomed.   In The county court AT XXXXX CLAIM NO: BETWEEN: XXXXXXXXXXXXXXXX Claimant - -and- XXXXXXXXXXXXXXXXX Defendant WITNESS STATEMANT OF XXXXXXXXXX   I.XXXXXXXXX the defendant in this claim make the following statement believing it to be true will state as follows:-   1.It is admitted the defendant entering into a short term Pay Day Loan agreement for the sum of £400.00 plus 4 months interest totalling £600.48 from Moneyboat.co.uk.   2.It is denied that I defaulted on an “agreement”, as the Defendant has made a first payment of £150.13  towards the amount agreed to be repaid which was not been deducted or taken into consideration and the claimant continued to demand the full total amount from the agreement stated in #1. The claimant rejected a request for assistance during the ongoing Covid pandemic pursuant to the UK Government Legislation at which time I was placed on Furlough by my Employer and worried that it would be difficult to make a payment due to my financial situation.   3. It is denied I failed to abide by the Terms and Conditions of the agreement as at no point did the claimant contact myself to offer assistance to make alternative payments to which I could repay.   4. It is admitted that upon receipt of the claim form a CPR31.14 was issued to the claimant on the 31/012/20 and proof is included in exhibit 1.   Namely to show how I entered into an agreement Show how the claimant quantified the amount claimed   5.The Claimant has not served a Default Notice pursuant to sec87 of the CCA1974.    Need for default notice.   (1)Service of a notice on the debtor or hirer in accordance with section 88 (a “default notice ”) is necessary before the creditor or owner can become entitled, by reason of any breach by the debtor or hirer of a regulated agreement,— (a) to terminate the agreement, or (b) to demand earlier payment of any sum   6. As per Civil Procedure Rule 16.5(4), the Claimant has failed to prove the allegation that the full correct amount of money is owed.   7. My defence stated that the claimant failed to serve notice and it is denied that the Claimant is entitled to the relief claimed or any relief entitled.   I believe that the facts stated in this Witness Statement are true.   Signed ……………….   Dated on the day ……………….   Thanks G
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Hi all, first off I'd like to say that I am really quite bad at figures/dates/number related things so please bear with me. Its why I'm here :oops:


I took out a Wonga loan in Sepetember, I'd done this before as an emergency and paid back. Fine. This time I could not pay back. I lost my job.


Here are the figures:


I borrowed £350 in September

I was due to pay a single payment of £455 in October. I couldn't.

I set up a repayment plan, that bounced. So I set up another which I paid a few times.

It bounced again because the minimum they would accept is £40 per month, which I can't afford. And now I'm here.


As it stands my account info looks like this;


Total amount owed £560


Capital repayment £350

Interest £366


Repayments made £160.97


Can anyone advise me what is the best way to approach them? They WILL NOT reply to my emails (only standard meaningless replies) and continue to call me even though I have specifically said my phone is broken (true!)


I'm here because I'm in financial difficulty and the interest they have added is making me even poorer. What is the minimum amount I have to pay them back? I have no income and live with my mum at the moment.



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Hi and welcome to CAG.


Let us get this straight right now. Pay day loans should fall as far down your priority list as possible. Unsecured debts (just like this loan) are non priority debts. Essential bills come first and if all you have after that is £1 a month, that is what you pay.


Never phone them. They will say things on the phone that they would never say in writing.


As they don't seem to listen to you, I suggest writing to them at their registered address with a formal complaint. Pay day companies are under the Office of fair Tradings spotlight and any complaint that doesn't get resolved is likely to end up with the Financial Ombudsman and also a report made to the OFT. Wonga may not want you to go higher so may resolve the complaint.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Hi, Thank you,


Is there an income and expenditure form that Wonga will accept other than their own?


I want to write to them and tell them how much I intend to pay per month? Will I have to pay double the initial borrowed amount because of all

the interest and fees?

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National Debtline do a form you could use and in our library there is another one.




While it can be useful to show creditors that you are in difficulty, they have no 'lawful' right to this data and I bet the wonga one wants to know everything short of your inside leg measurement.


My suggested amount (which is agreed generally but not proven) is to say the original loan plus one months interest. Ignore the silly fees they have added as they are unlawful anyway.


A creditor does not have to accept token payments if they feel you could pay more (based on an I&E) which is one of the reasons we don't advocate sending them anything more than they need.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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