WONGA loans - but I haven't applied?

Apples2

king100 wrote: »

Superb from your card.

But it wasent his card it was his mothers.

Thanks for that.

Precisely, what does that have to do with WONGA?? The mother has broken the terms of the cards use (as has the Son)

Are you saying they should have rejected the payment?

king100

Apples2 wrote: »

Precisely, what does that have to do with WONGA?? The mother has broken the terms of the cards use (as has the Son)

Are you saying they should have rejected the payment?

No I can call up and pay for my partners invoices, she has to go through security then I can take the call and pay on my card.

If they ever took another penny out of my account without my permission and paid off another invoice without me knowing that breaches the DPA.

They should have accepted the 1st payment but not used the mothers card the 2nd time.

If the son lied and stated it was his card they can check as payments check name address and postcode. Then they should have said that the name doesnt match the account and denied payment, but of course they wouldent.

Ever paid over the phone and they ask what is the name on the card.

Errm Mr Jones what is the name that appears on card?

Yeah mate its Mrs A Jones, call stopped until you speak to Mrs A Jones and she gives permission for card to be used.

Hax

king100 wrote: »

But it wasent his card it was his mothers.

And how can Wonga tell that it wasn't his mother entering the details through the computer? How do they know that she wasn't happy for recurring attempts to be made to reclaim the payment (as stated in their terms and conditions)?

Have you looked at how Wonga repayments work? They have a section in your "profile" area where you can add card details and make a payment from that card. You can also set a card to be the "primary" card in this same section.

It's most likely that the son used this section, entered his Mother's card details and made that the primary card.

At what point during that process are Wonga at fault?

king100

Hax wrote: »

And how can Wonga tell that it wasn't his mother entering the details through the computer? How do they know that she wasn't happy for recurring attempts to be made to reclaim the payment (as stated in their terms and conditions)?

Have you looked at how Wonga repayments work? They have a section in your "profile" area where you can add card details and make a payment from that card. You can also set a card to be the "primary" card in this same section.

It's most likely that the son used this section, entered his Mother's card details and made that the primary card.

At what point during that process are Wonga at fault?

So no security checks for who the card/cards belong to then, oh come on.


You still have to enter a name on the internet when paying things.

Hax

king100 wrote: »

So no security checks for who the card/cards belong to then, oh come on.

You still have to enter a name on the internet when paying things.

Yes you do - normally have to enter name, address and CVV for security. The son probably entered all of these correctly - he does after all have the card in his hands and presumably knows his mother's details.

Or, are you implying that the payment should have been declined because he was not the owner of the card? In which case, are you saying that card holders should NOT be allowed to pay bills in other people's names?

king100

Hax wrote: »

Yes you do - normally have to enter name, address and CVV for security. The son probably entered all of these correctly - he does after all have the card in his hands and presumably knows his mother's details.

Or, are you implying that the payment should have been declined because he was not the owner of the card? In which case, are you saying that card holders should NOT be allowed to pay bills in other people's names?

1 payment yes but not reacurring payments.

In which case, are you saying that card holders should NOT be allowed to pay bills in other people's names?

I pay some of my misses bills, on that occasion and that occasuion only never recurring payments, I speak to them after my misses has passed security.

Hax

king100 wrote: »

1 payment yes but not reacurring payments.

But, Wonga's terms and conditions clearly state that multiple attempts will be made to claim the payment. The card details were entered to make the payment in-line with these Ts&Cs.

From what you say above, if I wanted setup a recurring card payment for something that is in my other half's name, I should not be allowed to do so?

king100 wrote: »

I pay some of my misses bills, on that occasion and that occasuion only never recurring payments, I speak to them after my misses has passed security.

In this case, the son logged on to his Wonga account (that's equivalent to your g/f answering the security questions) and then the card details to be used for making payments to Wonga are entered. Because this is done purely on-line without any involvement by anyone other than the mother (handing over the card) and the son (entering the card details) then how can it possibly be Wonga's fault?

The son should not have used his mother's card in this way. And the mother should have been more mindful about how the son was using the card. A breach of trust exists between the son and his mother and between the mother and the card issuer. Wonga have no knowledge of any agreement between the mother and son.

End of the day, it's the responsibility of the card holder to be aware of how their card is being used.

The mother should have entered the card details herself after she had read the terms and conditions of how the card details were going to be used.

king100

Hax wrote: »

From what you say above, if I wanted setup a recurring card payment for something that is in my other half's name, I should not be allowed to do so?

You wouldent be allowed to setup with details from your partners name.

Hax

king100 wrote: »

You wouldent be allowed to setup with details from your partners name.

Yes you would/are. It doesn't really matter who pays the bill so long as fraud isn't being committed. There's no reason why my partner can't take out, I dunno, a magazine subscription say and then have me enter my details to pay for it.

That's why so many online ordering systems ask for card holder name and address if different from the person the service/product is being supplied to.

king100

Hax wrote: »

Yes you would/are. It doesn't really matter who pays the bill so long as fraud isn't being committed. There's no reason why my partner can't take out, I dunno, a magazine subscription say and then have me enter my details to pay for it.

That's why so many online ordering systems ask for card holder name and address if different from the person the service/product is being supplied to.

Yes and I expect he would say to you that he was doing this. Both of you know the terms and that its a subscription!!!!!

You can buy something online and have it delivered somewhere else. Different names etc.

But you cannot setup and payment or pay an account that you hold with your partners card unless he is present and consented to it.. You need his consent otherwise it can be classed as fraud.

She agreed for the 1st payment, but I doubt the 2nd payment. They shouldn't have used her card to pay the balance.

As much as I would like to continue this if that happened to me I would be demanding my money back and talking my son to pay it himself, his money his problem.