Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • MissSJL
    • By MissSJL 5th Sep 17, 4:40 AM
    • 118Posts
    • 5Thanks
    MissSJL
    Started my Wonga refund claim....
    • #1
    • 5th Sep 17, 4:40 AM
    Started my Wonga refund claim.... 5th Sep 17 at 4:40 AM
    I've requested my SOA from Wonga but wondering how far back they will go? My very first loan was in July 2010 and it just turned into a rolling loan for 12-18 months. I'd have a break for a bit when I met my partner but the same thing happened 2/3 times since, paying it back on time and borrowing it again repeatedly for months at a time. Usually for about £50-£150.

    When I log into Wonga online it only shows me the last 12 months of accounts. Will they go back to the very beginning?
Page 1
    • StopIt
    • By StopIt 5th Sep 17, 7:49 AM
    • 1,392 Posts
    • 1,184 Thanks
    StopIt
    • #2
    • 5th Sep 17, 7:49 AM
    • #2
    • 5th Sep 17, 7:49 AM
    Did you send an SAR? If not, you'll not get any accounts that have been closed as they have no obligation to send any statements of closed loans.


    If you send an SAR (£10, statutory request) they'll be obliged to send all information they have on you. It'll likely go back 6 years as after then they can delete records (Like how after 6 years defaults fall off your file etc, works both ways).
    • MissSJL
    • By MissSJL 5th Sep 17, 8:14 AM
    • 118 Posts
    • 5 Thanks
    MissSJL
    • #3
    • 5th Sep 17, 8:14 AM
    • #3
    • 5th Sep 17, 8:14 AM
    Thanks for the reply, sorry what's SAR?

    I've requested statement of my account to their complaints team using a template found on here. But I've got no open loans with them - all were paid on time and the last one was back in February.
    • Caz3121
    • By Caz3121 5th Sep 17, 8:16 AM
    • 10,848 Posts
    • 7,076 Thanks
    Caz3121
    • #4
    • 5th Sep 17, 8:16 AM
    • #4
    • 5th Sep 17, 8:16 AM
    Thanks for the reply, sorry what's SAR?

    I've requested statement of my account to their complaints team using a template found on here. But I've got no open loans with them - all were paid on time and the last one was back in February.
    Originally posted by MissSJL
    https://ico.org.uk/for-organisations/guide-to-data-protection/principle-6-rights/subject-access-request/
    have you sent the £10 fee?
    • MissSJL
    • By MissSJL 5th Sep 17, 8:27 AM
    • 118 Posts
    • 5 Thanks
    MissSJL
    • #5
    • 5th Sep 17, 8:27 AM
    • #5
    • 5th Sep 17, 8:27 AM
    No, I didn't realise there was a cost? The template I used requests them free of charge! Oops. Oh well will wait and see what they say. A friend requested hers and got them, she didn't mention a fee....
    • StopIt
    • By StopIt 5th Sep 17, 11:11 AM
    • 1,392 Posts
    • 1,184 Thanks
    StopIt
    • #6
    • 5th Sep 17, 11:11 AM
    • #6
    • 5th Sep 17, 11:11 AM
    Thanks for the reply, sorry what's SAR?

    I've requested statement of my account to their complaints team using a template found on here. But I've got no open loans with them - all were paid on time and the last one was back in February.
    Originally posted by MissSJL

    Asking for a statement of accounts is open to Wonga not wanting to let you see closed accounts.


    The CCA does NOT require closed accounts to be included in a Statements of Account request. a SAR, Subject Access request is part of the Data Protection Act, and would force Wonga to send all data they have on you.


    https://ico.org.uk/for-the-public/personal-information/
    • MissSJL
    • By MissSJL 5th Sep 17, 12:06 PM
    • 118 Posts
    • 5 Thanks
    MissSJL
    • #7
    • 5th Sep 17, 12:06 PM
    • #7
    • 5th Sep 17, 12:06 PM
    Oh I see. Okay well can I wait and see what account info they supply me with first and then request SAR if there's accounts missing? Seeing as I've already sent the email... Thanks for replying.
    • sourcrates
    • By sourcrates 5th Sep 17, 1:30 PM
    • 12,470 Posts
    • 11,862 Thanks
    sourcrates
    • #8
    • 5th Sep 17, 1:30 PM
    • #8
    • 5th Sep 17, 1:30 PM
    You can ask a creditor to send you information about all accounts you have previously held with them, you don't need to send a SAR.

    Most PDL's will provide you with that information, although due to the extent of the reclaims going on, some are refusing to do so, in which case you would need to SAR them.

    See what they say before wasting £10.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • MissSJL
    • By MissSJL 12th Sep 17, 2:39 PM
    • 118 Posts
    • 5 Thanks
    MissSJL
    • #9
    • 12th Sep 17, 2:39 PM
    • #9
    • 12th Sep 17, 2:39 PM
    Well just to update you, Wonga have replied with a full list of all loans - totalling 40, starting in July 2010. Horrific reading but such an eye opener, especially to see a total of over £700 in interest and fees alone.

    I've sent off my full complaint using a template, explaining my thoughts and my personal circumstances etc. Fingers crossed for a swift reply.
    • Matt_C74
    • By Matt_C74 12th Sep 17, 6:24 PM
    • 24 Posts
    • 6 Thanks
    Matt_C74
    I'm a few weeks down the line with Wonga

    Got my SOA from them and they've had my second email for just over a week now...fingers crossed for a reasonably quick reply, good luck!
    • Matt_C74
    • By Matt_C74 12th Sep 17, 8:31 PM
    • 24 Posts
    • 6 Thanks
    Matt_C74
    Just received this email from Wonga

    Your complaint is still being considered

    Our Reference: **********

    Dear Mr **********

    Unfortunately, our investigation is taking longer than expected, and we canít yet offer you a resolution to your complaint.

    We appreciate your patience and apologise for any inconvenience that this delay may cause.

    We do our best to resolve complaints in the order that we receive them. We are currently experiencing high volumes of complaints and so if we cannot respond within 8 weeks, we will contact you to explain the delay and outline when you can expect to receive a response. If you are unhappy with the progress of your complaint at that stage, you can refer it to the Financial Ombudsman Service.

    Kind regards,

    Customer Care


    My initial email to them was 15th August so today is exactly half was through the 8 weeks
    • MissSJL
    • By MissSJL 1st Oct 17, 9:22 PM
    • 118 Posts
    • 5 Thanks
    MissSJL
    Just thought I’d update that I haven’t had any reply to my complaint as yet. I know they have 8 weeks to respond though don’t they? Anybody else had any luck yet?
    • angelicairene
    • By angelicairene 2nd Oct 17, 12:20 PM
    • 8 Posts
    • 4 Thanks
    angelicairene
    I sent my SOA request on 24 August, received the list of loans one week later and sent the full version of complaint on 1st September. On week 4 I received an email similar to yours that they need more time to investigate. I don't expect any reply from Wonga before week 7 at earliest. You can read other people progress with Wonga in particular on debt-camel . co. uk website under payday-loan-refunds heading.
    • StopIt
    • By StopIt 2nd Oct 17, 12:54 PM
    • 1,392 Posts
    • 1,184 Thanks
    StopIt
    Just thought Iíd update that I havenít had any reply to my complaint as yet. I know they have 8 weeks to respond though donít they? Anybody else had any luck yet?
    Originally posted by MissSJL

    Indeed they do.


    Wait until 8 weeks, escalate to the FOS, then wait.


    It can take months to get a final resolution, but it will happen.
    • Matt_C74
    • By Matt_C74 2nd Oct 17, 9:42 PM
    • 24 Posts
    • 6 Thanks
    Matt_C74
    I received an offer from Wonga today, my complaint is 7 weeks old tomorrow (sent 15th August)

    Have accepted their offer so its just a matter of waiting for the payout now.

    Would probably get a little more if I took it to the FOS but the timescale for them is months and, at the end of the day, Wonga's offer is reasonable enough for me
    • MissSJL
    • By MissSJL 2nd Oct 17, 9:43 PM
    • 118 Posts
    • 5 Thanks
    MissSJL
    Thatís good news, well done! Did you request a specific amount out of interest?
    • Matt_C74
    • By Matt_C74 3rd Oct 17, 5:44 AM
    • 24 Posts
    • 6 Thanks
    Matt_C74
    I sent the standard template requesting the standard 8% and that's what they've included in the calculation
    • MissSJL
    • By MissSJL 19th Oct 17, 9:35 PM
    • 118 Posts
    • 5 Thanks
    MissSJL
    Update.... my claim has been declined. They have stated that they asked me all the questions and did all the credit checks etc etc. I’m really disappointed.
    • StopIt
    • By StopIt 20th Oct 17, 7:50 AM
    • 1,392 Posts
    • 1,184 Thanks
    StopIt
    Update.... my claim has been declined. They have stated that they asked me all the questions and did all the credit checks etc etc. Iím really disappointed.
    Originally posted by MissSJL

    If you're not happy with the response, escalate the case to the FOS. It's your right to do so, you may as well. They may uphold the rejection, but they may not.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

5,099Posts Today

8,635Users online

Martin's Twitter