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Wonga and portfolio Recovery Associates UK

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I defaulted on a Wonga loan about 2 years ago after servicing it for a couple of years and

it then gradually building up and up to the point I could no longer afford to repay.



At the time, I offered a repayment plan, but was ignored, and then never heard anything from anyone about it for about 2 years. Then



the other day I got a letter from PRA UK saying I have an outstanding balance of £2345 owed to Wonga (I think I originally borrowed £1200).



This is not currently appearing on my credit file and I actually thought it was one of the debts that had been written off,

but obviously not!



Please could you advise the best way to deal with this, as I don't believe I owe £2345

and also believe that I was not in a position to afford the loan they gave me at the time. Thanks

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While there is no clear guidance on debts that have been sold to a DCA, it may be worth waiting to see if any letter appears from Wonga in the next few days.


IF PRa are collecting on behalf of Wonga, it is more likely that you will get a letter. Check the letters from PRA to see if it says 'their client'

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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if you owe anything

you owe it to Wonga.



PRA are a a DCA




and have







please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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