Wonga and ID theft

24567…13

Comments

  • RobertoMoir
    RobertoMoir Posts: 3,458 Forumite
    First Anniversary Combo Breaker
    edited 15 February 2012 at 6:55PM
    Kimou wrote: »
    @ Meers53.
    It was the bank that told me this, or rather that I very very little rights. They need to ascertain whether Wonga are willing or not to give over the details of where the money went.
    I shall seek other independent advice, but I thought mayber perchance someone here has been in a similar predicament.

    You always have rights. I can actually see why they might be careful about situations like this (read below for what I think might be happening) but being "in finance" doesn't make any company into some mighty morphing power ranger of being able to take money from anyone they want with no justification.

    Without knowing what was said in the phonecall and how it was said, we're all shooting in the dark but I wonder if this is what happened...

    ... we get a lot of people here who take out PDLs then (for whatever reason) can't pay on the agreed date. These people are then often surprised and upset to find that the PDL company can (and does!) hoover their account out of as much funds as possible to get as much of their debt back. These people often complain here that "they've got no right to do that, now I have no money to live on" without realising that they've signed over to the PDL the right to do exactly that as part of their original agreement with them...

    ... so anyhoo, where I'm going with this, is that I wonder if the bank advisor thought you were in that situation, or if they're instructed to be careful about what they say to people in case that turns out to be the situation.

    I would write to them at this point, spelling out absolutely clearly that you've got no connection, no association at all with the PDL company and see what sort of reply you get.

    You do also need to consider something - if the debt was taken from your bank card - clearly someone has your bank card number who should not have it. I'd phone the bank to sort out this particular issue as a separate thing from the wonga problem, if you haven't already.
    If you don't stand for something, you'll fall for anything
  • iaintw
    iaintw Posts: 90 Forumite
    if you been a victim of fraud you should report it to police straight away and also your bank.
    if you got CCP or other specialist organistian the best thing is to ring them up.
  • meer53
    meer53 Posts: 10,217 Forumite
    First Post First Anniversary Combo Breaker
    I think you're right RobertoMoir, the bank will have to do their investigation first, but they should still be refunding the customer. Wonga will be able to tell them whether the debt belongs to the OP or not.
  • Tight_as_a_Drum
    Tight_as_a_Drum Posts: 45 Forumite
    Why on earth are PDL companies allowed to pay the loan into one account and take repayments from another? Surely that's just open to abuse.
    If you're going through hell, keep going - Winston Churchill
  • rdchick
    rdchick Posts: 1,815 Forumite
    Name Dropper First Post First Anniversary Combo Breaker
    Tight_as_a_Drum wrote: »
    Why on earth are PDL companies allowed to pay the loan into one account and take repayments from another? Surely that's just open to abuse.

    Yep, they all seem to offer this I believe... which is madness...

    also loving the Power Ranger reference... nice! xxx
    Life is too short not to love what you do.
  • blacksta
    blacksta Posts: 919 Forumite
    Hope this is sorted asap - How can one protect his or her bank account details
    I owe £3233 @ 0%
  • Kimou
    Kimou Posts: 14 Forumite
    LovelyLeeds wrote: »
    I can't believe they wont try to help - keep us informed on any progress you make. Good luck.

    The bank is keeping their cards close to their chest. And yes, I most certainly will keep all informed so some foreknowledge can be gained for all.
  • Kimou
    Kimou Posts: 14 Forumite
    meer53 wrote: »
    I can't believe they won't refund either. They have to refund unless they have proof of why they shouldn't. It could just be card fraud rather than ID fraud.
    The OP needs to push Barclays for more information.

    I called Barclays again this morning and they've assured me that their team is on the case, though they're powerless to do anything until Wonga reply to them. Once Wonga return their requests they can initiate a case and hopefully I can get a temporary refund whilst its ongoing- she says. She even had the brass neck to suggest I organise a temporary overdraft to offset the debt I'm now in. Probably at a cost. And I wouldn't be surprised if I charged a bank charge of £22 for being overdrawn.
  • Kimou
    Kimou Posts: 14 Forumite
    magpiecottage wrote: »
    FSA Rule BCOBS 5.1.11R says:

    " (1) Where a banking customer denies having authorised a payment, it is for the firm to prove that the payment was authorised.

    (2) Where a payment from a banking customer's account was not authorised by the banking customer, a firm must, within a reasonable period, refund the amount of the unauthorised payment to the banking customer and, where applicable, restore the banking customer's account to the state it would have been in had the unauthorised payment not taken place."

    That suggests that the bank is wrong. You might wish to contact them again and "remind" them of this rule.

    Thanks for this.
    Though at present it is pending the response from Wonga.
    The problem is that I've kept records of whom I've spoken to, but there have been so many people and from different departments; it gets a bit confusing on who I'm actually supposed to be sorting this out with.

    I've been with them over 25 years now, so a little support would be nice.
    I asked them that I thought they were supposed to monitor spending trends, and the woman said that due to so many transactions they can't monitor them all.
    I get paid weekly; I have a few accounts; All have, not much, but enough money to sustain me, so that alone should've set off some alarm bells to me acquiring a loan at over 4000% APR
  • Kimou
    Kimou Posts: 14 Forumite
    DCFC79 wrote: »
    I reckon they got your details via your pc, is your pc secure, had any viruses etc.

    Perhaps, perhaps not. I have anti-virus, but whether or not someone's got info from there, I don't know. I can't get anything out of Wonga. They just say to wait for their fraud team to contact me. Though there have been snippets of info I've garnered from the reps looking at the account.

    I've been calling up at different times and asking select questions and gradually I will try and build up a better picture.
    The last guy said that the postcode I quoted[my actual postcode] does not match up with the address they used to gain the money. So maybe they've cloned the card and used a different address? I dunno! But they're reluctant to give too much info as they only deal with applications.
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