My bank, my card and Wonga

salsapixie

fozmcfc wrote: »

Good luck with that salsapixie, it can seem a long hard road to a debt free life, but with determination it is definately possible to do so, as many of us have.

You really do need to make sure no money is in that account, otherwise Wonga could dip in and takes some money you need for the loan repayments. They are known to try every single day and some people report that money is gone from their account within minutes of it going in. It could mean loan repayment DD not being able to be taken.

Get the agreement in writing as well, otherwise as you probably know, they may still just go against anything agreed on the phone.

Of course they don't have to accept a reduced payment, but they can't have what you haven't got, but they will keep trying. It is unlikely they will take further action though, because they know as you have tried to come to an agreement with them a judge wouldn't look kindly on them.

Also if you start getting phone calls about payments, ask them to do all correspondence via letter only.

I would definately post up on the debt free wanabee boards as well any issues, many over there who will have been/are still in the same position as yourself.

Thanks for the advice, I've posted later on here. Everything important now goes in and out of my other account which wonga can't touch. Gonna join debt free wannabe soon. At the end of July, I will finally be free of priority debts so I can start paying back the other ones properly. I have a plan!