Wonga - Issues with recurring charges!!

CHR15

My sympathy has already gone but I can't help but wonder about this:

he borrowed my card once while he was in the middle of setting up a new bank account.

Was that a, "Take a loan out then cancel everything so those thieves cannot get their money back" type scenario?

These lenders have been around a while and a very experienced in dealing with people trying to steal. They do have ways and means of getting what is thiers.... as they have done. :laugh::laugh:

KingElvis

Yep no sympathy here, he may have "enough problems to deal with" so this is one off his list.

The complicated web some people weave to avoid paying these people back never suprises me. I kinda admire these companies and the way they get back their dues when shysters try and scam them.

RichGold

scottydoouk wrote: »

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

It wasn't just anybody's card. It was your card, and moreover it was your card that you gave them the details of.

If he couldn't pay back he shouldn't have borrowed in the first place. Especially if he was on a DMP.

Your problem is with your partner, not wonga.

geordieracer

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.

One quick question of which when you answer you may actually understand what people are trying to tell you over and over again.


Q) Did you let him use your card details on his loan application to WONGA?

If you answer yes - then you have given WONGA permission to use your card to get their payment. Thats how it works.

If you answer no - then you do them and your fella for fraud.

LMCD

when you borrow from wonga, they pay it to the card to then deduct it from the same card unless you specifically go in to change it - you do not sign anything whether you be the card holder or not.. you click to acknowledge the agreement along with its terms and conditions.. the problem here is your partner owes you money.. that is the bottom line isn't it?

all you read is people obtaining credit for other people and blaming everyone but themselves - if your partner has bad credit or problems with bank accounts - do not take on extra responsibility. i'd sooner have a hard slog and beans on toast for a year!!! - which ironically you will have to do and be £500 down...

andy.m_2

Not quite so.

The OP offered his card up for payment to Wonga, part of the T&Cs is that they can use this card from here on in.

this is in response to GeordieRacer above

skintandscared_2

As Chalkie99 says above, now either get your partner's written promise in blood that he will never approach Wonga (or any affiliate/sister loan company) again OR change your bank account. It's not enough to cancel the debit card and get a new one - you have to close the whole account. I would strongly recommend doing this if you ever split up!!

scottydoouk

CHR15 wrote: »

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.

I took a redundancy payment and dont have any debts, all I pay is my car insurance, rent and mobile phone. I am not angry at myself, I am angry that a company can use anybodys card to take a payment. The card isn't registered to the address where the loan is, and the card isnt in his name. So surely, this should fail secuirty checks? At some point everybody gets in to a mess with money and his health problems have been a factor hence why he has taken out his DMP. From what is on here though, it looks like he is going to owe me some serious money when he gets paid!

cord123

If your partner doesnt have £500 to pay you back how was he going to pay back Wonga?

scottydoouk

cord123 wrote: »

If your partner doesnt have £500 to pay you back how was he going to pay back Wonga?

On His DMP