No loan but money taken from account

Sqonki

My daughter has had her bank account accessed twice by Wonga.com but has not had a loan with them. Her bank said they will undertake an investigation but its unlikely she will get her money back. To my knowledge they have taken £1000 twice. She is married and 7 months pregnant with a mortgage and both her and her husband are in well paid jobs. They have savings and no need for a loan. Can anyone give me some advice how to progress this matter please. The bank has currently frozen two of her accounts.

randomnut

Right well first of all has anyone contacted Wonga? I mean to find out if someone else has used her details?

Secondly, has anyone contacted the police? That would be the next obvious step

Thirdly, let Wonga know you want the money back within 7 days or else you will be instructing a solicitor. See what they say.

G51shopaholic

inform the bank, in writing, that Wonga have no right to access her account and under Banking 'regulations they have to give her the money back immediately!
State that you will report the bank the the omnibusman. Do also contact Wonga as the taking of the money could happen again.

Would there be any chance her husband did it and it to ashamed to say anything?

Sqonki

Yes she contacted Wonga but they were not helpful and put the phone down on her when she mentioned the police. I think she had faith in the Bank sorting it out. I think they will be the next step.
Thanks

No, bless him, he has more money than she does. I like your thinking though. lol

randomnut

Surely in order to take the money out they need a direct debit to have been set up? Can the bank not just cancel this? I would DEFINITELY go to the police, as this is theft. Plain and simple.

LovelyLeeds

Just a long shot, but might she have helped out a friend and paid some debt off with a credit/debit card - if so - they will use those details again I'm afraid.
Definitely get the bank fully involved they will have far more resources available than the Police, to dig deeper about this.
If she cannot email them online via her internet banking, then send a letter by recorded delivery - telephone calls will be a waste of time and not admissable if things don't get resolved.

meer53

randomnut wrote: »

Surely in order to take the money out they need a direct debit to have been set up? Can the bank not just cancel this? I would DEFINITELY go to the police, as this is theft. Plain and simple.

Wonga don't take payments by Direct Debit, they take them by using card details provided by whoever took out the loan with them. The bank will deal with this, they should have refunded your daughter straight away.

Wallhart

Does she have any dodgy friends. Make a report to the police and tell them you want the money back. Whatever it is you need to get to the bottom of it now as in today or tomorrow,

CHR15

I agree with Leeds, has she used her card to pay anyone elses previous debts to wonga?

We see this problem all to often where someone uses a friends card make a payment, then conveniently stops making any further payments, so wonga go after the other card on file (the friends).