WONGA loans - but I haven't applied?

dancingfairy

Skylight - I believe they can take the money back out of your account - I'm not 100% sure but it would be worth double checking.
I would also get hold of your credit reports from all 3 agencies for the 2 pound fee and also look at getting a CIFAS flag on your credit files - I'm not clued up on them but I believe that you are then asked for a password when applying for credit - it obviously will be a pain for you if you do require credit but would stop your ex applying for credit in your name.
I suggest you repost over on debt-free wannabe with a thread called victim of loan fraud or similar as your thread seems to have got hijacked by various other people and I believe you will get more help.
It might also be worth PMing RAS or Fermi as they are very knowledgable and will know more about CIFAS prevention markers on your credit file.
df

Hax

dancingfairy wrote: »

Skylight - I believe they can take the money back out of your account - I'm not 100% sure but it would be worth double checking.

I think that their only means of debiting money from someone's account would be either via a direct debit or via a debit card. If they claim a payment via direct debit, then the DD guarantee kicks in as it's an unauthorised transaction and the bank would have to offer a full and immediate refund of the money. If they claim via debit card then you would have to dispute the transaction with the bank - probably via a fraud report.

I would certainly hope that simply having a sort code and bank account number isn't (on it's own) enough to withdraw funds from someone's bank account! I know that's all that is needed for a DD - but as I said above, there's the DD guarantee that provides protection against unauthorised payments.

skylight

Right, sorted.

Well, it turns out that the ex did do this but in error. He has applied for the loan in his name, address and debit card details but had one of my statements in his paperwork and accidentally used that one rather than his own. Stupid. But he wanted me to transfer the £200 to him! Not flipping likely. He did get a bit miffed when I told him that the money belongs to WONGA and if I give it to anyone else I am fully liable for it.

I have spoken to Wonga, someone called WongaWoman has an MSE account and PM'd me yesterday, so after verifying those details I have called them and spoken to their Fraud department who have confirmed everything on the EXs account. And I have paid them the £200 back and the EX will have to re-apply for another loan once he has sorted out his account and changed the bank details.

I was wary about giving them my debit card details and they assured me that they will not be used nor kept for any other purpose.

Thanks for all your help on this; it is great to read others advice on it.

Hax

Glad you've had a successful resolution to this!

KingElvis

More like he applied for it using your details on purpose because his bank has issues or something.

I bet he was cheesed off when you refused to hand it over, go girl.

king100

Tigerlillieuk wrote: »

Hi
I just want everyone to be aware that Wonga are to be avoided. My son took out a loan with them much to my horror. He asked to use my debit card to make a payment, then he would give me the money which he did. To my horror my son must not have paid them back and they have since taken £247.76 out of my card. This leaving me short of money for xmas. Ok £6.00 left in bank NOT GOOD. The Card Fraud said that Wonga had kept my details and company's like this can do that so not a Fraud case. I was told to phone Wonga (who charge £1.50 a min ) I was also told that as it was my sons debt Wonga would not discuss it with me. I am left high and dry now so please beware folks.
Yvette

Not a case of fraud but you gave your son the card to use, for that one payment. Personally Wonga dont have the right to then take the money from that card.

Say I borrowed a card from a friend to pay part of it off, would they be justified to take the rest off just because they have the card details. OF COURSE NOT.

I would personally ask who gave them permission to take the money from your account the 2nd time Let your son deal with the loan.

Hax

king100 wrote: »

Say I borrowed a card from a friend to pay part of it off, would they be justified to take the rest off just because they have the card details. OF COURSE NOT.

I would personally ask who gave them permission to take the money from your account the 2nd time Let your son deal with the loan.

It depends on what the son did with the card details. By giving the card to the son to use, they have effectively authorised the use of it. If that use includes repaying someone like Wonga and thereby making that the "default" (or "primary") repayment card then that's not the fault of the company but rather the fault of the cardholder and the 3rd party they loaned the card to.

king100

Hax wrote: »

It depends on what the son did with the card details. By giving the card to the son to use, they have effectively authorised the use of it. If that use includes repaying someone like Wonga and thereby making that the "default" (or "primary") repayment card then that's not the fault of the company but rather the fault of the cardholder and the 3rd party they loaned the card to.

Lots of assumptions, I pay for my partners phone bill, I call up to use my debit card, if they ever used my card again for the next bill they would get alot of stick from me. I would demand the payment returned.

It does depend on what was said when son called up. But just paying a sum off the bill does not make that the primary card, especially when it isnt his card.

Card systems can match name address and postcode. When it went through it would flag that name was incorrect.

If that was the case then you could pay any debt off with Wonga with anyones card, they have a duty of care to check where their payments are coming from.

Apples2

king100 wrote: »

Not a case of fraud but you gave your son the card to use, for that one payment. Personally Wonga dont have the right to then take the money from that card.

Say I borrowed a card from a friend to pay part of it off, would they be justified to take the rest off just because they have the card details. OF COURSE NOT.

I would personally ask who gave them permission to take the money from your account the 2nd time Let your son deal with the loan.

Is this you simply trying to make up your own terms of borrowing and taking your own opinion as fact??

From WONGA's T&C's

What happens if I don’t repay my loan?

We make every effort to avoid that situation and the vast majority of customers repay our trust in them. So we hope it never comes to this, but here's a straightforward explanation of what could happen if you don't repay a cash advance as promised...
If our first, early morning collection attempt is declined by your bank - because you haven't ensured there are enough funds available - a £7.50 missed payment fee will be added to your balance. We always hope to resolve the situation that day but, if we still haven't received full repayment by 5pm on the due date, you will then incur a further fee of £17.50 (total of £25) towards the cost of a failed collection. We will then make further attempts to collect the money from your card and also keep trying to contact you to discuss the situation with you as soon as possible.

The Devil is in the detail. You simply can't claim ignorance of the Terms of the loan just because you made up your own.

This isn't an assumption, it is fact. They WILL try to recover the costs from the card they have on file.


The point about using someone else's card is a simple case of fraud. I am quite sure banks do not allow anyone else to use your card. This is an issue between Mother and Son as they have both broken the terms from the card issuer.

king100

Apples2 wrote: »

Is this you simply trying to make up your own terms of borrowing and taking your own opinion as fact??

From WONGA's T&C's

The Devil is in the detail. You simply can't claim ignorance of the Terms of the loan just because you made up your own.

Thisisn't an assumption, it is fact. They WILL try to recover the costs from the card they have on file.

Superb from your card.

But it wasent his card it was his mothers.

Thanks for that.