New DFW - Learn from my pain!

saltnvinegar

Yes I think too it is a case of left/right not co-ordinated. I usually save up email communication until the end of the week or some sensible threshold/decision has been reached and then send off a letter confirming the email communication.

Unfortunately even if I had sent off a letter the same day it wouldn't have stopped this!:mad:

Still it seems things have been sorted. I have not had any of the computer generated 'threat-o-grams' for a few days now so fingers crossed..........

SnV

Consumerist wrote: »

Seems you might be sensible to confirm the contents of any emails by letter - confirm understandings on both sides.

Edit
Sounds like a case of the left hand not knowing what the right hand is doing at Wonga.

saltnvinegar

eyeopener2 wrote: »

I'm on a DMP with CCCS and one of the PayDay Loan companys tried to take an extra payment from my old account. Because that failed (as its been shut since June)they have now reffered me to Mackenzie Hall.

I don't get these guys, i'm paying them and then they go and employ/pay a debt collector to collect exactly the same amount!

Seems par for the course, and remember just because you're on a DMP doesn't mean that your creditors won't pursue their usual debt collecting activities (including passing onto DCA's).

I wouldn't let it worry you, as you said your offer won't change just the person you are paying.

Depending on how the debt is 'transferred' the PDL company may also be looking to write off the debt and get tax relief on it (on top of whatever they have sold the debt for).

Remember these companies business models are focused on short term gain.

I may be wrong, but my experience on the way they operate is that they are just not geared/staffed up to manage anything longer term or involves a fair degree of personal interaction (they all seem to operate on minimal staff/maximum automation) therefore agreeing/setting up DMP's for what is (to them) small sums of money makes no sense on the bottom line.

SnV

hope99

thanks that has really helped me. i am beginning to get unwell with all the threats and letters and phonecalls. when do they stop? I have offered a £1.00 payment as now on benefits, but spend a lot of time dealing with these threats and then getting over them re health
Hope99

dadooronronrondadooronron

Hello Salt and Vinegar

I have sent you a personal message - hope that is ok. But I just have one more question. When you are paying Payday loans company and have set up a new bank account. Do you set up standing order from new bank account to pay them or do you send cheques/postal orders. I was thinking of paying via online banking but then just got worried as I would then be sending payments from my new account - and I dont want them to have the details of this. If you can advise that would be great. RON

Consumerist

Hi Ron, sorry to but in.

If you were paying payday loans by direct debit from your previous account then the payday loan company would have had access to the account through the direct debit mandate you set up with them. They would have been able to vary the amount and date they collected the payments from your account.

On a new account, if you pay them by standing order they will not be able to change the amount or date the money is paid to them. But you will.

Obviously, do not pay them by direct debit from the new account. Pay them by standing order. You then have total control over the payments.

dadooronronrondadooronron

Thanks for that advice - that makes sense now. I can set up today to show willingness to pay. I am now looking forward to getting on with DMP and see what responses I get. Cheers again, RON

winner12

Hi there
Just wanted to say when you set up a standing order make sure the account numbers match,My standing order to MBNA bounced back 3 times wrong account numbers set up with Santander for some reason it also took them 3 weeks to set up instead of 5 working days so just keep a check on it they are all as bad as each other

saltnvinegar

My 'basic' Natwest account allows me to set up Standing Orders online. No delays, I can check the details, and 1st payments can even be set up to go out within 48hrs.

But if you're relying on the banks definately good advice!

winner12 wrote: »

Hi there
Just wanted to say when you set up a standing order make sure the account numbers match,My standing order to MBNA bounced back 3 times wrong account numbers set up with Santander for some reason it also took them 3 weeks to set up instead of 5 working days so just keep a check on it they are all as bad as each other

saltnvinegar

Hiya

You've got some good advice on your post here.

Regards to your question via PM. I'm not sure whether I can answer directly due to forum rules but you may find this thread on another consumer forum interesting.

These are other email addresses you should send emails to (email them all at the same time):

[EMAIL="collections@wonga.com"]collections@wonga.com[/EMAIL],
[EMAIL="balanceoffer@wonga.com"]balanceoffer@wonga.com[/EMAIL],
[EMAIL="debtmanagement@wonga.com"]debtmanagement@wonga.com[/EMAIL]

What I would recommend is that you email at least once a day and then at the end of the week print all your emails off and send them via post asking why you have not received a response to your emails.

Keep plugging away is the secret

SnV

dadooronronrondadooronron wrote: »

Hello Salt and Vinegar

I have sent you a personal message - hope that is ok. But I just have one more question. When you are paying Payday loans company and have set up a new bank account. Do you set up standing order from new bank account to pay them or do you send cheques/postal orders. I was thinking of paying via online banking but then just got worried as I would then be sending payments from my new account - and I dont want them to have the details of this. If you can advise that would be great. RON

bluejeans53

Hiya SnV just read through your first and a few pages of your posts, so inspiring

Thankyou