Wonga - Issues with recurring charges!!

KingElvis

scottydoouk wrote: »

On His DMP

I was rather under the impression that a DMP was for people who're having trouble paying exisiting debts, not to get lumbered with more and then include it?

skintandscared_2

scottydoouk wrote: »

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!

They can't use "anybodys card". e.g. they can't use mine, because I haven't given it to your boyfriend for him to sign up for a loan with. But they CAN use yours, because you have.

The address doesn't matter

The name doesn't matter

If security checks were going to fail, they would have failed when your boyfriend applied for the loan, which clearly they didn't (unfortunately for you) and he wouldn't have been given the money.

I agree that lots of people get in trouble with money (me included) but not many of us use companies like Wonga.

Result = your boyfriend owes you £500.

andy.m_2

OP, your partner agreed for Wonga to use your card for this and any further payments they request when he handed over your details.

Sorry but that is the cold hard fact of it

skintandscared_2

KingElvis wrote: »

I was rather under the impression that a DMP was for people who're having trouble paying exisiting debts, not to get lumbered with more and then include it?

They are, and a DMP would probably fail if the creditors discovered he'd taken on further debt. Which is clearly why he used his girlfriend's card to take out the loan instead...

ALIBOBSY

Whilst I think your partner is wrong to take out debt intending to put it straight into a DMP, I am prepared to believe there is a possibility that he has had the loan a while and been extending it each month and it is only recently he has decided he need a DMP.

Ignoring the rights and wrongs of the case (there are plenty on these boards who just love to jump on a moral high horse on any thread they can, but these boards are supposed to be for advice) I will let the OP make their own mind up on how their partner has acted.

The orginal question related to wongas use of the debit card and the whole thing hinges on when and how wonga were given the card details. If they were given with your permission at the start of the loan and went on the application then you allowed its use within the terms your partner agreed and so they would have good grounds to argue their continued use of the card.
Or are you saying he used it without permission?
However if the original card details were your partners and he later asked if you could pay some of the debt off and you rang up and instructed them to authorise one payment then you are right they should not have taken any extra and you could ask the bank to treat it as an unauthorised transaction.

The problem is if you do this Wonga will slap extra charges on your partners account and he will still owe the money plus even more. May be better to sort the DMP and give you say £10 a week/month out of his living expenses till he can pay the rest off.

ali x

scottydoouk

skintandscared wrote: »

They are, and a DMP would probably fail if the creditors discovered he'd taken on further debt. Which is clearly why he used his girlfriend's card to take out the loan instead...

Boyfriend!

skintandscared_2

scottydoouk wrote: »

Boyfriend!

Sorry, stupid presumption on my part I apologise.

scottydoouk

ALIBOBSY wrote: »

Whilst I think your partner is wrong to take out debt intending to put it straight into a DMP, I am prepared to believe there is a possibility that he has had the loan a while and been extending it each month and it is only recently he has decided he need a DMP.

Ignoring the rights and wrongs of the case (there are plenty on these boards who just love to jump on a moral high horse on any thread they can, but these boards are supposed to be for advice) I will let the OP make their own mind up on how their partner has acted.

The orginal question related to wongas use of the debit card and the whole thing hinges on when and how wonga were given the card details. If they were given with your permission at the start of the loan and went on the application then you allowed its use within the terms your partner agreed and so they would have good grounds to argue their continued use of the card.
Or are you saying he used it without permission?
However if the original card details were your partners and he later asked if you could pay some of the debt off and you rang up and instructed them to authorise one payment then you are right they should not have taken any extra and you could ask the bank to treat it as an unauthorised transaction.

The problem is if you do this Wonga will slap extra charges on your partners account and he will still owe the money plus even more. May be better to sort the DMP and give you say £10 a week/month out of his living expenses till he can pay the rest off.

ali x

Hi Ali,

Thanks for your reply, you are correct! He had the wonga account for a while, kept extending and then decided to take out the DMP. He used his card originally to pay for previous loans and then when he closed his account he was without an account for a few weeks while he got his ID changed to open a new account. So for his wages to be paid I allowed him to use my account and card as a one off to clear an existing loan so it didnt cause problems/charges.

I can't afford for him to pay me back in bits, I need it all for my insurance and bills.

beabea81

Hi scott

Your thread title mentions 'recurring charges'... have Wonga taken a payment that was not supposed to be taken? Ie, early repayment of a loan before the due date without notice or have they taken for a balance that was already paid? From your posts I gather this is not the case and you can verify that the amount was paid into your bank?

How long was the repayment term on this arrangement? You mentioned that you had added Wonga to a list of creditors for your partners DMP, it can take an awful long time for creditors to respond to these things and even for the DMP companies to send the letters out. I certainly don't think they would have managed it in the 31 days max loan period so either this is a new loan taken out by your partner or they were given some bad advice from a DMP company. Do you use a paid for service or self/cccs etc managed one? I think the CCCS would have mentioned the time overlap, though.

You also mentioned that you gave permission for Wonga to take money from your card "once" - though it has been established that as part of the T&C's Wonga can use the card any time they want to to recover a loan- so this again points to this being for a second loan and possibly not the one you knew about?

As others have said, I thnk you are taking your anger out on the wrong people (that's not to say that you should be taking it out on your partner, nor anyone else, really). Having looked at Wonga's website I must say they have done a pretty good job of making things very clear about how Wonga works so leaving no room for customers to say "You hid this from me so I don't have to pay".

I think you should have a long talk with your partner about their debts because if they are taking out loans without you knowing this can signify a bigger problem that you are not aware of.

I don't quite understand why your partner would need the funds whilst changing accounts as I would assume it wise to open one account then close the other or take all money from one account and then close it. Moving accounts shouldn't impact on the amount of money available to your partner unless the old account had a maxed out overdraft and they had no income to move to the other one, in which case a Wonga loan was a bad idea as they would surely have no funds to replace the loan amount with?

sorry I can't be of any help in recovering some money but I think that you should draw a line under Wonga but concentrate on communicating with your partner about how this situation arouse in the first place.

Good luck,
Bea

beabea81

Aplogies Scott,

Some of my questions were answered in the previous posts as it took me so long to type...I get distracted easily