Wonga's horrific Customer Services!

Hax

Peelerfart wrote: »

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

I'm going to have a good bleat... I applied to Wonga for a loan - it saved me the cost of the (uber-high) interest on my credit card for that month and worked out cheaper. I had no problems at all with them and everything went as planned

There.... That's better

Seriously though, those who are in financial trouble shouldn't look to using PD loans as a solution to their problems - they rarely are and normally end up snowballing into a much bigger problem!

Used as a true advance on the next pay packet that you can afford to repay in full, then they work out fine. Use them as an extension to your pay packet and you're going start down that slippery slope.

paddyrg

Hax wrote: »

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?

I think the difference may be that it is a reversal of a complete payment as opposed to taking money out of another account. For instance if a cheque proves to be a dud, or an account is 'flashed' as part of an employment scam (seen it done!), the credit is reversed by the recipients bank without asking nicely if they wouldn't mind ;-) That said, it would be good manners, just not a requirement.

AMILLIONDOLLARS

Wonga have to contact their bank in order to retrieve the money, which went into the wrong account. In the meantime, you will to pay the amount and interest requested until the matter has been sorted out. Because the error was yours, I'm afraid that you will have to stomach the cost of the calls and the bad customer service.

If I were you, I would put everything in writing, send all the details to their customer service dept and threaten them with the FSA, I am sure that after sending this letter you will get a speedy resolution to this matter. In the meantime, why not contact Consumer Direct using the link below:
http://www.consumerdirect.gov.uk/


Good luck

AMD

MrRedundant

Would be quite funny if Wonga invoiced the OP for all the costs of their error...

KingElvis

MrRedundant wrote: »

Would be quite funny if Wonga invoiced the OP for all the costs of their error...

They will, and there will be fees, interest and a final fee to close it all.

snowmaid

Hax wrote: »

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?

Errr....my posting was a question? Nothing more than that? I think your response is a bit OTT?.... :cool:

Hax

snowmaid wrote: »

Errr....my posting was a question? Nothing more than that? I think your response is a bit OTT?.... :cool:

Your post read as a statement to me - not a question - they are normally terminated with a question mark. And on first reading, it implied (to me) that you thought that the incorrect recipient of the money was then responsible for the money owed to Wonga (possibly including the fees too). I've already stated that may have been a misunderstanding on my part. Maybe not - who knows?

No doubt you'll think this reply OTT too. Hey-ho - that's what discussion forums are for - discussion.

wongaadvisor

AMILLIONDOLLARS wrote: »

Wonga have to contact their bank in order to retrieve the money, which went into the wrong account. In the meantime, you will to pay the amount and interest requested until the matter has been sorted out. Because the error was yours, I'm afraid that you will have to stomach the cost of the calls and the bad customer service.

If I were you, I would put everything in writing, send all the details to their customer service dept and threaten them with the FSA, I am sure that after sending this letter you will get a speedy resolution to this matter. In the meantime, why not contact Consumer Direct using the link below:



Good luck

AMD

Yes its all perfectly fine informing the FSA how ever they will not do anything. as wonga is not governed by the FSA. so point one good luck.
and it does show the customer the details they entrered this is a case of learning on how to check and check again. you wouldnt mountin climb up a verticle mountin with out checking your ropes are fine.

brokeinyorkshire

wongaadvisor wrote: »

Yes its all perfectly fine informing the FSA how ever they will not do anything. as wonga is not governed by the FSA. so point one good luck.
and it does show the customer the details they entrered this is a case of learning on how to check and check again. you wouldnt mountin climb up a verticle mountin with out checking your ropes are fine.

If you are an example of people who work for Wonga then God help us!!!!!!

J

Apples2

wongaadvisor wrote: »

. you wouldnt mountin climb up a verticle mountin

As opposed to what kind of "mountin"

I take it knowing "good Englund" is not high on the Wonga Application form!!