wonga.com

jasonsh001

Hi There, this is a warning to users of wonga.com , my son, 18, took a short loan of 50 pound from them and a week later the 60 was collected from his account..All fine ...loan complete... then two weeks later, when he had been paid, they took 7 installments of random amounts totaling 480.00 pound out of his account. when he rang them, they wanted proof that it was his account they took the payment from and insisted he sent them a copy of his bank account showing the payments coming out..he has to order this from the bank, as everything is online now. He has had to borrow money from me now,(wish he had asked in the first place) because he couldn't afford to get to work..

7 days have past now and still no money in his account.and still no bank statement.They would not accept a screen shot of his account and why would you send that anyway. they have no way of knowing why they took the money from his account, or what the money they took relates to.. they are crooks...Has anybody any idea what sort of compensation he should go for and who he should complain to..

thanks

paddyrg

Try the consumer rights board.

Compensation for the amount of out-of-pocket costs only, including the cost of the statement and taking them to court (small claims) if needs be.

Believe it or not, Wonga are one of the better payday lenders.

Mk14:37

He should visit / call his bank and ask them to do a charge back on these charges, if they are honestly fraudulent (i.e. are you certain he only borrowed £50?)

MamaMoo_2

If he reports these transactions to his bank as fraudulent, they should investigate & reimburse him.
Also, your son can just send screen shots of his online statement to Wonga as proof.

vuvuzela

I would say that if he went overdrawn and was charged as a result that he should request any charges back. Not sure other 'compensation' could really be argued for apart from expenses he has incurred as a direct result.

jasonsh001

Thanks for all the replies, my son has been to the bank and until wonga refuse to payback the money, they cannot take any action.. He has sent screen shots of his account but they still refuse to re-emburse until an official statement comes through..He has gone overdrawn in his bank account and is being charged £10.00 a day. The bank Lloyds have said that when/if wonga payback the money and declare it was taken by mistake they will refund the overdraft fees..

As for charges as a direct result of there action.... he has had no money for two weeks... he has borrowed off friends and family...the inconvenience they have caused through there action...putting his cap in hand....this could look very bad for them if put into the public domain..

What about their clients who have 'got off' without paying there fees back..., surely to reconcile there books, that money must be tied to a transaction, they are saying they do not know what the money was set against...

I will post back when /if there is a resolve..

KierNet

£10 a day OD fee? Bloody hell!

Googlewhacker

ummmm why doesn't he just print a statement of from online?

fozmcfc

He definately hasn't in the past used his card to pay off a friend/family members loan with Wonga has he.

Once a card is on a payday lenders system, if they can't take it from the account used, they will try to take it from a card that has been used in the past.

Several people on the loans board have reported this sort of thing happening with various payday loan companies.

RichGold

Mk14:37 wrote: »

are you certain he only borrowed £50?

My thoughts exactly.

hansi

I have never used this type of loan, but it seems to me that to repay the loan would require a direct debit to be set up and if that was the case in this instance, wouldn't it just have been a simple matter to cancel the DD after the first payment had been taken? Or am I missing something here?