why wont wonga accept me again?

will369

1 month ago I borrowed £150 off them, payed it back no problems 2 days later.

1 week after that I borrowed £400, I couldnt pay it back the day I said, they charge me £20, I then extended that loan for a few more days, that charged me on that. Then the day I was supposed to pay it back I couldnt, so they charged me £5, I then payed it all off 2 days later.

So I did pay it all back and they made some money out of me.

but I try and apply for another £400 but they wont accept me.

any reasons?

Hax

I think you've answered your question in the opening post - they see you as unreliable and deem you a liability that they no longer want to lend to.

In future, you need to stick to what you agreed - in this case, you failed to pay back on the agreed date TWICE for the same loan.

will369

But I did pay it back, but was just abit late, they did make money out of me, thought they would want to do business with me again

Hax

will369 wrote: »

But I did pay it back, but was just abit late

Being a "bit late" demonstrates that you have exceptionally poor management of your finances - even over the short duration you have the payday loan over!

Quite simply, they do not trust you to stick to your side of the agreement.

MichaelCR

will369 wrote: »

But I did pay it back, but was just abit late, they did make money out of me, thought they would want to do business with me again

Why are you applying for another £400 loan ? They make £140 in fees and interest for this amount ? Sounds like your trying to use payday loans for a long term financial advantage ?

And besides, You showed them that you can't pay the £400 + fees back on time.

Xbigman

The issue maybe how you paid them back. Lenders prefer a part payment to no payment. If you owe £400 and you pay them £350 on time then £50 a bit later, then thats infinately better than the whole £400 being late.



X

roonaldo

will369 wrote: »

Then the day I was supposed to pay it back I couldnt

this reason

opinions4u

Get a grip.

Warning message 1: You are short of money at the end of the pay period.
Warning message 2: You are paying out silly amounts to borrow small amounts.
Warning message 3: You can't even pay these small amounts back.
Warning message 4: You feel hard done to because "Loans4Scuzzers.com" won't lend you anything extra.

Jesus, even Wonga seem to have an element of "responsible lender" in them!

Other than somebody slapping your face with a freshly caught haddock shrieking "start spending a bit less each month" I really don't know how you are going to get the message that you are living beyond your means.

Do something about it that doesn't involve more debt.

CLAPTON

your previous posts seem to show that you just love to pay lots and lots of interest and fees to finance companies rather than have the money to spend on yourself
for a small amount of effort you could have that money to socialise and go on holiday with; but yes it would be a small amount of effort

danothy

will369 wrote: »

... I couldnt pay it back the day I said ... I then extended that loan for a few more days ... Then the day I was supposed to pay it back I couldnt ...

but I try and apply for another £400 but they wont accept me.

any reasons?

will369 wrote: »

... I did pay it back, but was just abit late ... thought they would want to do business with me again

From the wonga.com FAQ regarding what happens if you don't/can't repay:

Finally, your Wonga trust rating will be hit hard and you probably won't be able to borrow from us again. In a nutshell, please don’t apply for a loan if you think you might struggle to pay it back in full and on time. It’s really not worth the potential consequences for a few hundred pounds.

I would imagine that this "trust rating" they have is "hit hard" even if you are late by even a day. In a nutshell, I guess they just don't trust you any more.

KingElvis

Blimey, must be shock when you wake up on a morning and the likes of Wonga dont "trust" you.....

Sorry mate.