Help with Wonga communication please

[floricita]

Hi the follwing is starting to stress me out and cause me huge and uneccesary worry. If someone could help out that would be great.

 

I entered into a repayment plan with wonga 2 months ago now. Method that I pay by bank transfer. I have made good on every payment.

 

HOWEVER, every month I get threatening emails from them saying that I haven't paid them and that from tonight they will attempt to take out £800 out of my account and add back interest.

 

Now when I phone them they are telling me that this is an automated response which has been issued because their systems are only set up to acknwoledge or not, repayments taken from plans where wonga takes the money and not vis versa. So because Wonga has not got the money from this method, computer says no, sends me a threatening email or two, then this ceases after two days which is how long they say it takes for the other method to get recognised on their system.

 

The options the manager gave me was to ignore it or I can stop all communications with them. But this would mean I wouldn't get notified if they didn't recieve a payment or anything else.

 

I said that they have certain collection rules to abide by, i.e. not to threaten people, especially thiose who are in financial hardship, in a repayment plan and paying it back.

 

And ignoring it, well I could do but I can never be 100% sure every month that payment has been recieved and that they won't try and take money out of my account (I have stopped CPAs already but they can probably find another way!)

 

What can I do about this?

[floricita]

And am I being unreasonable about this? They seemed to think I was.

[JOHNINYORK]

Floricita.

Just a suggestion,if it takes 2 days to get recognised by their system,would it be possible for you to make an earlier payment.

I had more or less the same problem as you are having last year.To rectify this,I made the payment several days earlier,when possible.I also took a photo of the payment slip,then sent Wonga a copy of the photo as an email attachment,with my name and account details.But even then,things came adrift,after sending me a email regarding non payment,an email would come the following day thanking me for the payment.

Even then,they could not find one of the payments,but that was eventually rectified.

 

Regards,John.

[floricita]

I can't change my payment date as that is payday. I guess they would have to change it at their end.

[porkyp1g]

Do they have an online billing system you can log into, if so you can switch off the updates and just log in each month.

[floricita]

My experiences with these types of companies are that they cannot be trusted in anway shape of form.

 

Anything which requires me to input my details I won't do.

[floricita]

I'll just have to ride with it if they are not in the wrong about this. I have cancelled CPAs and DD so if they do do it I will have to get it reversed like I have done before. But that takes a while whilst in transit and is a pain

[renegadeimp]

IF the bank has allowed transactions to occur, you must get formal complaints in as they are in breach of regulation. The transactions shouldnt even be able to be started if the CPA's and DD's have been cancelled.

[floricita]

With the DDs they reckon they cannot block at source they can only reverse. CPAs have been blocked now.

[renegadeimp]

Of course the bank can block DD's. If they allow it, then simply invoke the DD guarantee for an immediate chargeback. If they couldnt cancel DD's or block them, then they would be closed down as it would be insanely easy to commit fraud/money laundering etc.