Wonga's horrific Customer Services!

snowmaid

Hax wrote: »

Looks like I was wrong - apologies for that - I just didn't think that money could be removed from someone's account without their permission. I've read about banks contacting recipients of money that doesn't belong to them, requesting their permission to refund the money.

Surely, if they have received the money, and refuse to give it back, then in effect they have received the money from Wonga, and are responsible for it...

paulmcerlean

Sounds like this is your fault and not Wongas?

PS - its inhumane.

KingElvis

snowmaid wrote: »

Surely, if they have received the money, and refuse to give it back, then in effect they have received the money from Wonga, and are responsible for it...

Not if they didn't ask for it LOl :rotfl:

MrRedundant

You are liable for the money as it was your error and Wonga delivered on contract. The issue of the money elsewhere is between you and the other party. You need to ask Wonga to trace the money and then write to the bank/person asking for it back.

If they refuse it may be considered theft.

Wonga have done nothing wrong though.

CHR15

I think nadeem should be more annoyed with themself than Wonga.

Op asked for money but gave it away. Wonga just did as requested.
The single most important detail to fill out was the account number. I can't see how that is a simple everyday mistake.

Hax

snowmaid wrote: »

Surely, if they have received the money, and refuse to give it back, then in effect they have received the money from Wonga, and are responsible for it...

I'm not saying it's "right" for them to keep the money. But, they haven't signed the agreement for the money so from that point of view, they're not legally bound to a contract with Wonga.

Would you be happy to have £100 hit your account, not notice it's there for a month or maybe even two and then have to pay Wonga back £300 or so? It's not the fault of the recipient.

I have also seen it mentioned on forums that if the money is an amount that you may not reasonably "notice" then you can't really be held accountable on grounds of theft/fraud/whatever it's called - that's not to say that the money shouldn't be paid to the rightful "owner".

You've go to remember that the recipients bank can't just hand out the contact details for the account holder who received the money (data protections laws forbid that!). And the person who received the money may not be able to easily identify it's origin - assuming that they notice it appearing in the first place!

This all means that the sender has to contact the recipients bank, explaining what has happened and telling them the account number and sort code that the money was mistakenly transferred to. Hopefully, that bank will then contact the account holder explaining what has happened. What happens from that point on I have no idea - maybe the recipient just transfers the money to the OP.

Whether it should be Wonga who does teh "chasing" or the applicant is another matter. Why should Wonga have swallow the admin costs of chasing up the OPs mistake?

AnnaV

Hopefully the money will eventually come back to you. Do make sure you make the repayments anyway, even before that happens, or you will end up in a whole heap of the smelly stuff.

I was slightly baffled why anyone would apply for a Wonga loan on be in this forum though, then I noticed you had only made one post...

paddyrg

Hax wrote: »

Would you be happy to have £100 hit your account, not notice it's there for a month or maybe even two and then have to pay Wonga back £300 or so?

The recipient gives back the £100 they were paid in error. WONGA are the only people who can chase the payment - they talk to their bank, their bank talks to the receiving bank, the receiving bank then return the money. There is every chance of the cash going into a 'limbo' account at the receiving bank anyway - accounts are not one large sequentially numbered block from 00000001 to 99999999 ;-)

Peelerfart

AnnaV wrote: »

I was slightly baffled why anyone would apply for a Wonga loan on be in this forum though, then I noticed you had only made one post...

You should stick around a bit more. People with many more posts than one apply to Wonga or similar and come here for a good bleat.

I suppose it makes them feel better

Hax

paddyrg wrote: »

The recipient gives back the £100 they were paid in error.

Sorry, I may have mis-read snowmaid's post - I read it as them implying that the recipient of the money then becomes liable for the credit agreement and associated charges.

paddyrg wrote: »

WONGA are the only people who can chase the payment - they talk to their bank, their bank talks to the receiving bank, the receiving bank then return the money. There is every chance of the cash going into a 'limbo' account at the receiving bank anyway - accounts are not one large sequentially numbered block from 00000001 to 99999999 ;-)

I don't see why the applicant can't write to the receiving bank, explaining the situation to them and that bank to then pass on the correspondence to the recipient of the money.

If that's not the case, I still think you've missed out a step there. I think the receiving bank has to talk to the recipient and get their agreement. How does the receiving bank know that the recipient wasn't meant to get that money and isn't entitled to it?

Anyone can pay money into an account, but surely, permission needs to be given for money to be extracted.

For example, someone could have used the PD loan to pay back money borrowed from a "friend" - or maybe it's for payment of a service/product they've already received. I know that it would be pretty stupid of them to make a payment in such a way - but it can't be ruled out.

For the banks to reclaim money without the account holder's consent (or some "official" means of enforcing the action) would be wrong - they can't just dip into someone's account and help themselves on the say so of a 3rd party.