Started my Wonga refund claim....

Legacy_user · 5 September 2017 at 4:40AM

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?

StopIt · 5 September 2017 at 7:49AM

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).

System · 5 September 2017 at 8:14AM

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 · 5 September 2017 at 8:16AM

MissSJL wrote: »

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.

https://ico.org.uk/for-organisations/guide-to-data-protection/principle-6-rights/subject-access-request/
have you sent the £10 fee?

System · 5 September 2017 at 8:27AM

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 · 5 September 2017 at 11:11AM

MissSJL wrote: »

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.

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/

System · 5 September 2017 at 12:06PM

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 · 5 September 2017 at 1:30PM

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.

System · 12 September 2017 at 2:39PM

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 · 12 September 2017 at 6:24PM

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 · 12 September 2017 at 8:31PM

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 can’t 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

Started my Wonga refund claim....

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