Wonga debt assigned to Portfolio Recovery - written off?

[Kitten1]

I know this thread is a bit old but thought I'd pitch in with today's events.

 

I had a wonga loan - probably about 4yrs old if I'm honest. No payments made, loan sold or transferred to pra. Not exactly chased for the debt after I told them a while ago to go forth and multiply when they rang and caught me at a bad time. Can't honestly remember how much they claimed I owed. Verbally disputed the amount a few times etc.

 

Today, I had an email from wonga to say my debt had been written off due to the new affordability rules!! They have recalled the account from pra and removed the default from my credit file. Bonus!!

[superbluesant]

I too have had my old loan written off. Was sent to pra so previously told it wasn't going to be considered in there affordability testing. Such a surprise when I saw the email.

[ba85]

I had the same email from Wonga yesterday and my debt which was sold to PRA has been written off. This comes after they rejected my complaint in January stating they carried out appropriate affordability checks.

My complaint was with the FOS and the adjudicator found in my favour after Wonga didn't respond to them. I was awaiting the final decision from the Ombudsman. I'm pleased the debt has now been written off, but annoyed with Wonga for fobbing me off for so long and they ignored the FOS as well.

[Stacks89]

Hi

 

Do any of you know how much of a percentage your loan was to your stated income? Wonga have not written my loan off stating that if they had carried out the correct affordability checks i would still have been accepted. I find this hard to believe as i received a loan that was over 80% of my stated income, surely this cant be affordable. My complaint is still with the ombudsman so fingers crossed, it would just be helpful to know what they class as 'affordable' and if they are being consistent with the loans they are choosing to clear.

[RosePetalBeauty]

Sorry I've left this thread for an incredibly long time but... SUCCESS!

 

My Wonga loan has been written off and I will also receive a small refund.

 

There is hope, you just have to fight for your rights. I am lucky that I am now in control of my finances and have a small amount of debt that will be cleared in a matter of months. Don't give up, the hardest bit is the initial tackling then all you do is have to let it play out. Your future self will thank you. I'm sure that could be worded much better, but you catch my drift.

 

Thanks CAG!

[Stacks89]

Happy days, mine has also been written off this week. After getting the ombudsman involved it turns out my loan was not affordable, even after Wonga had (very rudely) advised that it was using a whole lot of excuses that made no sense.

 

Id definitely recommend people to use the ombudsman and not to take Wonga's response as final.

 

[Croft79]

Hi All,

 

Have had my debt written off :whoo:although I had to chase WONGA to confirm after it dissapeared from credit file. To be honest wasn't expecting it to be resolved so quickly.

 

I think the flood gates are about to open for others

[stuckinarut11]

To all affected above,

 

Please check your credit file I was affected however the default was not removed from my credit file then to add insult to injury they refused to remove the default.

 

See my threads I have taken a claim to court under the data protection act principle 4 accuracy.

 

For no good reason the defendant has delayed remedial action in removing the default, it took 7 months from the date of write off to get default removed. This was only once proceedings were commenced.

[Magicpant5]

I too, on 4th April 2015, was told by wonga I would not afford the loan under new rules and so they bought it back from PRA in Feb 2015 and have wiped it from my credit files, which indeed they have.

 

I'd suggest anyone whose loan hasn't yet been written off/bought back to keep pursuing it.

 

I was a student at the time, but did have an income. It was probably affordable at the time ( I just ran into bother afterwards), though I've no idea what their criteria are.

[loudand]

To all affected above,

 

Please check your credit file I was affected however the default was not removed from my credit file then to add insult to injury they refused to remove the default.

 

See my threads I have taken a claim to court under the data protection act principle 4 accuracy.

 

For no good reason the defendant has delayed remedial action in removing the default, it took 7 months from the date of write off to get default removed. This was only once proceedings were commenced.

 

Hi apologies for jumping on an old thread however you may be able to help me.

 

I received the write off email in Feb 2015. My account had been sold to PRA. I checked recently and the Wonga default is still registered s1 year later so is another from PRA for the same account! I have written to both companies to sort that however what i would like to know is this -Did Wonga remove your default entirely or did they just place it in a satisfied status with a zero balance?

 

Thanks

[loudand]

Hi All,

 

Have had my debt written off :whoo:although I had to chase WONGA to confirm after it dissapeared from credit file. To be honest wasn't expecting it to be resolved so quickly.

 

I think the flood gates are about to open for others

 

Did teh deafult get removed from your credit file or did it stay with a balance of £0?