Wonga - Issues with recurring charges!!

scottydoouk

I am totally livid at the moment, I got paid £150 short this month for purchasing extra annual leave. In the mean time Wonga have taken a payment from my card of nearly £500!!!

This was not my debt but my partners, he borrowed my card once while he was in the middle of setting up a new bank account. This debt has been put on a debt managment plan but they dont appear to have contacted Wonga as yet.

As the debit card is registered in my name, not my partners, and also registered to a different address to the one Wonga has on file, I find it uncomprehensible that they can still take funds from my account. The Authorisation to use my card was for 1 time only. Wonga are now saying that they cannot refund this money.

Is this my responsibility to pay for someone elses debt or do I have a case to take them to court? Whenever I ring to sort things out they wind me up that much due to their incompetence and lack of understanding I end up losing my temper and putting the phone down. When I spoke to them this morning I got a load of rubbish that they will escalate it as fraud. It is not fraud as I know who has done it and they had permission ONCE. My partner has enough to worry about at the moment let alone worry about them lot.

The managers there are totally ignorant too and have no care in listening to people.

Can somebody please give me some advice of how I can get my money back?

Thanks

Scott

andy.m_2

They are not incompetant and they do not lack understanding.
Let's get that clear from here on in.

They know what they want, the money, and they know how to get this, through the authorisation you and partner gave them.

The T&C's clearly state that upon authorisation to use the card they can and will use the same card to take funds as they see fit.

Apples will be along to get the exact T&C that you didnt read before authorising them.
Out of interest, should it ever have got to court, how do you propose to have proven the conversation took place as you suggest and not as they would suggest?

Go after your partner for the money and set about changing cards and/or bank accounts as should your partner ever default again they will come to your account for the funds!

nomoneytoday

Can't your partner make good his debt to you?

scottydoouk

andy.m wrote: »

They are not incompetant and they do not lack understanding.
Let's get that clear from here on in.

They know what they want, the money, and they know how to get this, through the authorisation you and partner gave them.

The T&C's clearly state that upon authorisation to use the card they can and will use the same card to take funds as they see fit.

Apples will be along to get the exact T&C that you didnt read before authorising them.
Out of interest, should it ever have got to court, how do you propose to have proven the conversation took place as you suggest and not as they would suggest?

Go after your partner for the money and set about changing cards and/or bank accounts as should your partner ever default again they will come to your account for the funds!

You sound like you work for them, if you had spoken to the idiots you would understand! I didnt read/sign any T&C's so where is their proof? If they are any good they will record their conversations and the proof is there!

andy.m_2

I'm sorry you feel that I sound like I work for them, you have to understand that if you look through the forum in any detail that there are literally hundreds of threads detailing things exactly as you have.

They are shrewd and devious and terribly efficient at getting their money.
They even managed to get you to hang up in a rage while trying to complain.

You didn't read the T&C's before handing over access to your account? Your partner has the T&Cs as part of his loan agreement, have a squizz through them, or look online it's sadly there in black and white, clear as day.

I feel your pain, your partner needs to make good and sort you out and you need to check whether you need to cancel your card and/or change accounts because otherwise this may happen again and again, whether you are still together or not.

Sorry

geordieracer

scottydoouk wrote: »

You sound like you work for them, if you had spoken to the idiots you would understand! I didnt read/sign any T&C's so where is their proof? If they are any good they will record their conversations and the proof is there!

The proof of authorisation comes with the card details that was entered when the agreement was made. These were your card details so you have athorised them to withdraw the money from your card.

That is all they care about and a court will side with them as you gave them/your partner authorisation to sue your card

skintandscared_2

Unless your partner stole your card and used it without your knowledge or permission, I'm afraid there's not much you can do. You gave him permission to use the card and he, in turn, gave Wonga permission to take whatever payments they deemed appropriate whenever they like (which is pretty much what their T&C's state).

The only way you will get your money back is to ask your partner for it. He's the one that owes it, not you.

scottydoouk

nomoneytoday wrote: »

Can't your partner make good his debt to you?

No hence why he is on a debt management plan. He doesnt have £500 spare. Why should Wonga be able to take funds from my account willy nilly when it is nothing to do with me? Just because while my partner was inbetween setting up new accounts he borrowed my card. I have told them above once to delete the card details as it is not for Simons use. It doesnt even show that my card is used on his online account thing. I find it shocking that a company can operate this and take money from anybody's card when they choose.

CHR15

You can argue about it, hell, you might even get the money back in your account if you are lucky (you never know).

Guess what will happen then?

Your partnet will incur not a measly £500, but nearer £800 for trying to rob the money from them without repaying it.
I take it you are a couple with a joint focus on shedding your debts?

Your anger is with:
1. Your partner for not repaying the way he promised to
2. Yourself for being so thoughtless in using your card for someone elses debt

Your focus should now be:

1. Forget Wonga, they have their money so they are off your back
2. Slap your partner for not bothering to repay his debts
2. Learn from your own mistake and NEVER use your own card for someone elses problems.


EDIT: Just seen your latest reply.

Part of the DMP process is to agree NOT TO TAKE ON ANY FURTHER BORROWING.

I have no sympathy.

skintandscared_2

scottydoouk wrote: »

No hence why he is on a debt management plan. He doesnt have £500 spare. Why should Wonga be able to take funds from my account willy nilly when it is nothing to do with me? Just because while my partner was inbetween setting up new accounts he borrowed my card. I have told them above once to delete the card details as it is not for Simons use. It doesnt even show that my card is used on his online account thing. I find it shocking that a company can operate this and take money from anybody's card when they choose.

If he's on a DMP he shouldn't be getting loans, especially from places like Wonga.

It IS to do with you because you gave him permission to use your card to do it! The only way they will have your card/account details is if he gave them out.

chalkie99

scottydoouk wrote: »

I find it shocking that a company can operate this and take money from anybody's card when they choose.

Wonga probaby find it pretty shocking that he can borrow their money and not pay it back as promised.

I suggest you cancel your account and open a new one in case your partner breaks his DMP again and takes further money from Wonga. They would still have your details for a new loan.

Never let him use your card again!