Main site > MoneySavingExpert.com Forums > Essential Money > Loans > Wonga and ID theft (Page 1)

IMPORTANT! This is MoneySavingExpert's open forum - anyone can post

Please exercise caution & report any spam, illegal, offensive, racist, libellous post to forumteam@moneysavingexpert.com

  • Be nice to all MoneySavers
  • All the best tips go in the MoneySavingExpert weekly email

    Plus all the new guides, deals & loopholes

  • No spam/referral links
or Login with Facebook
Wonga and ID theft
Reply
Views: 31,212
Thread Tools Search this Thread Display Modes
# 1
Kimou
Old 15-02-2012, 4:40 PM
MoneySaving Newbie
 
Join Date: Feb 2012
Posts: 14
Default Wonga and ID theft

Hi,

I am curious to find out whether anybody has been targeted for identity theft and told that you may not be able to retrieve your money due to it being a loan comany that has taken it?

I have just had over 2000 taken out of my Barclays account by Wonga. I've never had any dealings with them before yet someone has somehow managed to use my bank account to pay for four loans that have not been paid into that [my] account. And I have, apparently, no rights due to it being a finance company.

It has been reported to the bank's fraud team and also Wonga's fraud dept. I've yet to hear back from them, but is it really so? Do I have no protection at all?

Any comments would be much appreciated.

Thanks
Kimou is offline
Reply With Quote Report Post
The Following User Says Thank You to Kimou For This Useful Post: Show me >>
# 2
DCFC79
Old 15-02-2012, 5:00 PM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Aug 2008
Location: Gloucestershire
Posts: 22,800
Default

My first thought is do you have any loans with any other PDL co's who are linked with wonga eg part of same group.
DCFC79 is online now
Reply With Quote Report Post
The Following User Says Thank You to DCFC79 For This Useful Post: Show me >>
# 3
meer53
Old 15-02-2012, 5:17 PM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Feb 2010
Posts: 6,528
Default

Who told you that you have no rights ? Have you spoken to your bank yet ?
meer53 is offline
Reply With Quote Report Post
The Following User Says Thank You to meer53 For This Useful Post: Show me >>
# 4
Kimou
Old 15-02-2012, 5:18 PM
MoneySaving Newbie
 
Join Date: Feb 2012
Posts: 14
Default

@DCFC79
Hi, No. This is completely out of the blue. I don't even have bank statements delivered anymore. I have no idea how they came to have my details as I'm extremely careful with disposing my correspondence and my bank details.

Last edited by Kimou; 15-02-2012 at 5:22 PM.
Kimou is offline
Reply With Quote Report Post
The Following User Says Thank You to Kimou For This Useful Post: Show me >>
# 5
Kimou
Old 15-02-2012, 5:21 PM
MoneySaving Newbie
 
Join Date: Feb 2012
Posts: 14
Default

@ 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.
Kimou is offline
Reply With Quote Report Post
The Following User Says Thank You to Kimou For This Useful Post: Show me >>
# 6
LovelyLeeds
Old 15-02-2012, 5:24 PM
MoneySaving Stalwart
 
Join Date: Mar 2008
Posts: 537
Default

Quote:
Originally Posted by Kimou View Post
I have just had over 2000 taken out of my Barclays account by Wonga. I've never had any dealings with them before yet someone has somehow managed to use my bank account to pay for four loans that have not been paid into that [my] account. And I have, apparently, no rights due to it being a finance company.
Have you ever agreed to pay a Wonga PDL for a friend or family?
LovelyLeeds is offline
Reply With Quote Report Post
The Following 2 Users Say Thank You to LovelyLeeds For This Useful Post: Show me >>
# 7
Kimou
Old 15-02-2012, 5:30 PM
MoneySaving Newbie
 
Join Date: Feb 2012
Posts: 14
Default

@LovelyLeeds
No. No dealings whatsoever with them. There's aboslutely no connection with me in any way.
It's blatant ID theft, and this will manifest in any enquiries by the respective fraud units. That's why I can't understand that seeing it is so, how come I am not protected by my bank and only in the instance of it being a finance company that they can't protect me.

I even asked the investigator "is there a potential for me to not reclaim my money" and he replied "yes, there's a real chance of that happening".
It's beyond absurdity.
Kimou is offline
Reply With Quote Report Post
The Following User Says Thank You to Kimou For This Useful Post: Show me >>
# 8
LovelyLeeds
Old 15-02-2012, 5:37 PM
MoneySaving Stalwart
 
Join Date: Mar 2008
Posts: 537
Default

Quote:
Originally Posted by Kimou View Post
@LovelyLeeds
No. No dealings whatsoever with them. There's aboslutely no connection with me in any way.
I can't believe they wont try to help - keep us informed on any progress you make. Good luck.
LovelyLeeds is offline
Reply With Quote Report Post
The Following User Says Thank You to LovelyLeeds For This Useful Post: Show me >>
# 9
meer53
Old 15-02-2012, 5:41 PM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Feb 2010
Posts: 6,528
Default

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.
meer53 is offline
Reply With Quote Report Post
The Following User Says Thank You to meer53 For This Useful Post: Show me >>
# 10
magpiecottage
Old 15-02-2012, 5:50 PM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Aug 2007
Location: Berkshire
Posts: 7,189
Default

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.
I run a consultancy to help Independent Financial Advisers to comply with their rules and resolve complaints. Although I am qualified to, I don't advise consumers for reward.
magpiecottage is offline
Reply With Quote Report Post
The Following 4 Users Say Thank You to magpiecottage For This Useful Post: Show me >>
# 11
DCFC79
Old 15-02-2012, 5:52 PM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Aug 2008
Location: Gloucestershire
Posts: 22,800
Default

I reckon they got your details via your pc, is your pc secure, had any viruses etc.
DCFC79 is online now
Reply With Quote Report Post
The Following User Says Thank You to DCFC79 For This Useful Post: Show me >>
# 12
RobertoMoir
Old 15-02-2012, 5:52 PM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Jun 2007
Location: Candy Mountain, in a land of joy and joyness.
Posts: 3,348
Default

Quote:
Originally Posted by Kimou View Post
@ 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.
Former Bailiff.
I'm here to help but I reserve the right to be blunt and to the point rather than sugar-coat my replies.


The problem with consolidation loans is the absurd idea that "more credit" is the answer to too much credit.

Last edited by RobertoMoir; 15-02-2012 at 5:55 PM.
RobertoMoir is offline
Reply With Quote Report Post
The Following 6 Users Say Thank You to RobertoMoir For This Useful Post: Show me >>
# 13
iaintw
Old 15-02-2012, 5:59 PM
MoneySaving Convert
 
Join Date: Aug 2011
Posts: 86
Default

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.
iaintw is offline
Reply With Quote Report Post
# 14
meer53
Old 15-02-2012, 5:59 PM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Feb 2010
Posts: 6,528
Default

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.
meer53 is offline
Reply With Quote Report Post
The Following User Says Thank You to meer53 For This Useful Post: Show me >>
# 15
Tight as a Drum
Old 16-02-2012, 8:33 AM
MoneySaving Convert
 
Join Date: Feb 2012
Posts: 45
Default

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
Tight as a Drum is offline
Reply With Quote Report Post
The Following User Says Thank You to Tight as a Drum For This Useful Post: Show me >>
# 16
rdchick
Old 16-02-2012, 10:38 AM
Serious MoneySaving Fan
 
Join Date: Sep 2009
Posts: 1,631
Default

Quote:
Originally Posted by Tight as a Drum View Post
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.
rdchick is offline
Reply With Quote Report Post
The Following User Says Thank You to rdchick For This Useful Post: Show me >>
# 17
blacksta
Old 16-02-2012, 10:56 AM
Serious MoneySaving Fan
 
Join Date: Jun 2005
Location: Essex
Posts: 897
Default

Hope this is sorted asap - How can one protect his or her bank account details
I owe 3233 @ 0%
blacksta is offline
Reply With Quote Report Post
The Following User Says Thank You to blacksta For This Useful Post: Show me >>
# 18
Kimou
Old 16-02-2012, 2:55 PM
MoneySaving Newbie
 
Join Date: Feb 2012
Posts: 14
Default

Quote:
Originally Posted by LovelyLeeds View Post
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 is offline
Reply With Quote Report Post
The Following 3 Users Say Thank You to Kimou For This Useful Post: Show me >>
# 19
Kimou
Old 16-02-2012, 3:01 PM
MoneySaving Newbie
 
Join Date: Feb 2012
Posts: 14
Angry

Quote:
Originally Posted by meer53 View Post
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 is offline
Reply With Quote Report Post
The Following User Says Thank You to Kimou For This Useful Post: Show me >>
# 20
Kimou
Old 16-02-2012, 3:09 PM
MoneySaving Newbie
 
Join Date: Feb 2012
Posts: 14
Default

Quote:
Originally Posted by magpiecottage View Post
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 is offline
Reply With Quote Report Post
Reply

Bookmarks
 
 




Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

 Forum Jump  

Contact Us - MoneySavingExpert.com - Archive - Privacy Statement - Top

Powered by vBulletin® Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.

All times are GMT +1. The time now is 6:57 PM.

 Forum Jump  

Free MoneySaving Email

Top deals: Week of 24 September 2014

Get all this & more in MoneySavingExpert's weekly email full of guides, vouchers and Deals

GET THIS FREE WEEKLY EMAIL Full of deals, guides & it's spam free

Latest News & Blogs

Martin's Twitter Feed

profile

Cheap Travel Money

Find the best online rate for holiday cash with MSE's TravelMoneyMax.

Find the best online rate for your holiday cash with MoneySavingExpert's TravelMoneyMax.

TuneChecker Top Albums

  • ALT-JTHIS IS ALL YOURS
  • PRINCEART OFFICIAL AGE
  • ED SHEERANX (DELUXE EDITION)

MSE's Twitter Feed

profile
Always remember anyone can post on the MSE forums, so it can be very different from our opinion.
We use Skimlinks and other affiliated links in some of our boards, for some of our users.