WONGA loans - but I haven't applied?

KingElvis

MoneyBuddy wrote: »

As I say - I believe they are going to make £15 million this year - so they must get a lot of their cash back!

They get lots of it back by raiding peoples bank accounts, like I said, people who need and take payday loans are generally not at the sharp end of the box and don't realise these people can and will do that.

How may threads have I read on here about so and so payday loan company has emptied my account blah blah blah

KingElvis

Nothinggetspastthispuppy wrote: »

Vanessa White - Marketing Manager @Wonga
07515199012

I bet Vanessa is a kind hearted soul, full off Christmas cheer and very resonable with her "clients"

You wouldn't think Wonga would need a marketing department, people rush to take these mongy loans.

skylight

I have signed up for the free 30days with CallCredit and there is nothing on there either. I am more worried about it being done out of spite than anything else so will keep a close eye on things and will email them again as there is no reply yet. Perhaps a charge of £30 a day to hold their money, £10 per email etc????????!!!!!!!!!!!!!

KingElvis

skylight wrote: »

I have signed up for the free 30days with CallCredit and there is nothing on there either. I am more worried about it being done out of spite than anything else so will keep a close eye on things and will email them again as there is no reply yet. Perhaps a charge of £30 a day to hold their money, £10 per email etc????????!!!!!!!!!!!!!

Given their tatics and morals, I would want rid of it as soon as possible. They obvioulsy have your details and have a nasty habit of cleaning people out.

joeblack066

KingElvis wrote: »

They get lots of it back by raiding peoples bank accounts, like I said, people who need and take payday loans are generally not at the sharp end of the box and don't realise these people can and will do that.

How may threads have I read on here about so and so payday loan company has emptied my account blah blah blah

Please don't be so judgemental and high and mighty - everyone's circumstances are different. I have never used a pay day loan company but I can't tell you how many times I have nearly done so - I am self employed, and a week like last week when I couldn't work is enough to send me over the financial edge - I have no family, no lines of credit open to me - and there are plenty like me! A bit of consideration please! :-)

KingElvis

joeblack066 wrote: »

Please don't be so judgemental and high and mighty - everyone's circumstances are different. I have never used a pay day loan company but I can't tell you how many times I have nearly done so - I am self employed, and a week like last week when I couldn't work is enough to send me over the financial edge - I have no family, no lines of credit open to me - and there are plenty like me! A bit of consideration please! :-)

Fair enough, I did say generally, not always

wyebird

I would seriously consider cancelling your debit card and asking for a replacement if you think that this may have been done out of spite, as these kind of places normally request debit card details to calim their payments back. Your bank can then arrange to return the BACS credit, so you have made it clear that it is nothing to do with you.

Hax

For all we know, someone has genuinely applied for a Wonga loan but mistyped their account number.

They could be sat there fuming at Wonga not depositing the money in their account.

If this is the case, as funds are deposited via BACS/Faster Payments/etc (i.e. bank account number and sort code) and reclaimed by debit card payment, then there is the chance that whilst the applicant has mistyped their bank account details, they have correctly typed their debit card details (the chances of them mistyping their cards details and those matching the OPs too would be sufficiently slim to not worry about).

In any case, I'm not entirely sure that cancelling your debit card would help as I suspect that Wonga, etc use a continuous authority to reclaim their payments which banks are likely to honour even on closed accounts.

On the other hand, if this loan was maliciously taken out by your ex, then that is surely fraudulent and should be reported as such... And if this is the case, then preventing payment from being reclaimed could (temporarily) damage your credit record(s) as all Wonga would see is a refused payment - they are not to know that you haven't taken this out yourself. I suspect that getting the interest charges, etc back at a later date would probably be less stressful than dealing with Wonga's collections department whilst trying to sort this all out and then having to try and get Wonga to remove any references from your credit file.

It's hard to know the best course of action at the moment. Have you tried calling Wonga? It may be that you'd get through pretty quickly and could then get them to call you back. Failing that, I'd be talking to my bank to find out what the option are.

KingElvis

I offer to "hold" the money for safe keeping :-)

nomoneytoday

MoneyBuddy wrote: »

I bank with Natwest and my bank charges if I go overdrawn are £30 - so I would be better off going overdrawn and paying bank charges than I would be taking a extortionate Wonga loan! - Makes me sick!

Or you can organise an overdraft in advance, and it'll cost about £2 in interest...