wonga loans repay or extend

stu12345_2

quick summary, no lectures plz.
myself and partner took 2 small wonga loans, ive had then before, she her 1st time, i got unemployed, she has landed a full time job last week,and got offered a small credit card card today, card due next week.

however there is cash in bank to cover 100% of mines and 20% of her loan, both due on diff dates very soon in next 6 days.
do we extend both loans and pay £10 charge each and make 20% goodwill payment and clear both on her big wage next week or do i clear mines and take another with charge £5.50 advance and bit of interest, pay hers of 48 hrs later with the loan, then a few days later clear my new loan off with her wages.
what happens if i dont get 2nd loan , ive had a few in apast no probs.then she would not have enough in bank till her payday

ViolaLass

Can your partner get a salary advance?

stu12345_2

no my wonga due wed, i get paid tues, her loand due thu, she get paidm fri, so i plan pay mines tue, get new loan wed, transfer itno her bank for wed so wonga get paid, then she clears my loans earlt on fri with her dosh, but what if i dont get a new loan, do we pay the extra admin charges and extend both loans

Spendnsave2010

to be honest if they have give you a loan and you have repaid them on time i cant see them refusing you another
im not sure about extending as have never done this sorry

me and my partner did it to get some parts for car now using one to pay other with other money but not getting any further in debt and it hasnt worked out tgoo bad

stu12345_2

yes ive had a few wonga laons in past. i dont like them but i pay then off early, im wondering tho if i clear it off, can i get one 5 mins later with the true intention of paying of gf loan cos her wages kick in 24hrs too late, wonga want a £10 fee even to extend it for one day, but its a £5.50 fee to take a new loan

Spendnsave2010

we have done it i my partner paid of his and i think it took about 10 mins for it to register he had paid then took one out for a bit more
we dont like using them either but at the time i needed the parts for car - dont like being without car, theres plenty of people that say you shouldnt use them but personally i think its upto you and if you know your not going to be getting yourself in a big debt it isnt a problem

PNPSUKNET

theres nothing wrong with them, as long as your sensible. go via quidco for payday uk and you can make money

stu12345_2

this quick quid, ive never used as i dont understand if you can pay it 30 days later or repay early like wonga, or do they ask you do you get paid in 7 days and thats the repay date
yes we used wonga at xmas co we wanted it cleared in jan rather than 12 months later via a catalogue with bigger overall grand bill, we knew it would be a little tight for a few weeks in jan, but overall smaller grand total

ViolaLass

stu12345 wrote: »

no my wonga due wed, i get paid tues, her loand due thu, she get paidm fri, so i plan pay mines tue, get new loan wed, transfer itno her bank for wed so wonga get paid, then she clears my loans earlt on fri with her dosh, but what if i dont get a new loan, do we pay the extra admin charges and extend both loans

Have you actually asked her employer about the possiblity of a salary advance (or your employer?). It would solve the problem as you wouldn't need to get another loan.

stu12345_2

shes only been in job 2 weeks, so prob not, wonga let you pay with debit cards, but i have paid one laon off manually over phone with a credit card, if my gfs credit card comes in before fri she may fone them and use it, but she works like 8 till 6 and no way can she fone an 0871 number during her 30 mins break at work on her mobile.wonga like you to wait 15 mins on hold.

LMCD

i've read their own forum...contact them via web and they can get someone to call you, explain your situation and they can tell you where to go from there and if you are trying to avoid future loans from them or just for the time being this might be your best option - apparently they are most helpful.