Payday Loan Default

[Irishson]

Hello, I successfully complained to both Wonga and Payday Uk about unfair lending practises and stated that they allowed me to get in a position of continuous borrowing and roll over without them doing the adequate checks. My wonga loan I had emailed at the time and stated I couldn't afford the repayment and wanted a payment plan organised. After a lot of back and forth they agreed. They did register a default and I am now wondering if there is anyway I can get them to remove this as they technically admitted that they were in the wrong and offered me a substantial refund. So surely I could argue that they put me in a position to get the default?

[martin2006]

Did you request the default removal as part of the settlement?

If not you will need to exhaust the complaints procedure with wonga first and if that doesnt get them to remove it you can then involve the FOS /ICO

Edited March 18, 2016 by martin2006

[Irishson]

In my original letter i did say that i wanted removal of the default but they never acknowledged later.

[martin2006]

So your complaint is now based solely around the default removal, as you originally requested that in your original complaint letter you could now move this onto a LBA.

 

once you have a final response from wonga which refuses to remove it you can then approach the FOS?ICO

Edited March 18, 2016 by martin2006

[Irishson]

So your complaint is now based solely around the default removal, as you originally requested that in your original complaint letter you could now move this onto a LBA.

 

once you have a final response from wonga which refuses to remove it you can then approach the FOS?ICO

 

 

"In your complaint, you have also requested some information regarding your loans with Wonga. You request has been sent to the relevant team and you will receive these shortly.

If you choose to accept this offer it will be in full and final settlement of your complaint." In this section, they seem to acknowledge my request of default? They also state my original letter dated "Thank you for your letter dated 23/01/2015." I accept that I perhaps should have chased this up earlier but at the time, I was quite happy with the money and had forgotten about the default. :-S

[martin2006]

It does look like thats being dealt with as a separate issue, if you think its been "missed" then get a LBA off asap outlining that as they havent dealt with that side of the complaint, you intend to escalate it within 14 days. You can also add at the end, "No further warnings will be issued before action is taken"

[Irishson]

It does look like thats being dealt with as a separate issue, if you think its been "missed" then get a LBA off asap outlining that as they havent dealt with that side of the complaint, you intend to escalate it within 14 days. You can also add at the end, "No further warnings will be issued before action is taken"

 

Can i just ask what is an iba?

[Irishson]

I have had a final response from Wonga, after one or two emails and a little persistence they have said they have contacted experian and callcredit to remove the default. The said to allow ten days for this to take affect but is there anyway to speed this up or is it likely to happen before?

[martin2006]

Wont really matter if its 10 days or not, if your subscribed to clearscore and/or noddle its going to take 6-8 weeks to update anyway.

 

Good result tho getting it removed

[Irishson]

I am also using experian credit expert which seems to update each time I log in, I'm more concerned about that as I'm hoping to apply for a mortgage.