Fibbed on Wonga Loan about Employment..

ILW

Mattindebt wrote: »

I know, Not a good day for us.. She told me this morning. I was screwing!

Sounds like she is screwing most of her creditors as well.

talana

If you want to help her out, then you're going to have to pay it off for her and that'll (probably) be the end of it.
Otherwise she's in the brown stuff.

KingElvis

If your good lady carries on like this, she'd going to get into serious trouble.

I would advise you to change bank accounts as Wonga will be on the prowl and the moment her benefits hit, they'll take them.

jkelly81

What they don't know (DMP) won't kill them. Wonga does not appear to show up in any credit report (despite their "we can help you rebuild your credit score" spiel) I would tell them (wonga) you lost your job and will need to spread it out. Ring your DMP and tell them you are desperate for cash, could you possibly take a pay day loan and roll it into your DMP? (can only ask) If they say no....then try to keep Wonga at bay, but be warned they have automated systems in place to scoop your bank account and it must be running on a 5 minute schedule or something. Forget about using that bank account again. If the DMP would permit you to add another loan, then take a new pay day loan, pay off wonga, and put the new pay day loan to DMP (this way they dont know you took it out without their permission)...I doubt this will happen but hey...extreme conditions demand extreme responses.

I had 3 of these horrible pay day loans...if I recall correctly, Quick Quid were the best in terms of not piling on additional costs after failing to pay...so you could rob Peter to Rip Off Paul instead?

ILW

Could just cut down on the spending and borrowing.

ExNicotineQueen

Mattindebt wrote: »

My girlfriend took out a £400 payday loan from Wonga.com a few months ago

Is she on a repayment plan with Wonga or something? I assumed all these payday places wanted their money back within 30 days.

Mattindebt

Kelly, I can see where you are coming from but I doubt she can get anymore credit from anywhere.. I think what you said about ringing up wonga and saying that she has been made unemployed is the best.. But what if they can prove she never had a job in the first place?

I'm really worried about this now

DarnIt_3

"Damn Wonga and their advertising"


It sounds as if your GF needs to learn the hard way.....sorry, but she has already had issues with debt ans she isn't learning, she needs to fall to the lowest point before she will stop doing this, this isn't Wonga's fault.....it's your partners.

CH27

You need to decide if you want to be with this girl longterm.
Can you live with her, have children with her knowing she has no control over her spending & is willing to lie & cheat to get money?

Tixy

Yep

You might have been better posting in the debt free wannabe section. But you weren't to know that.

Under no circumstances will CCCS agree for her to take out a payday loan at all. That is against everything they try to do to help people.

Has she been rolling over the payments for the last few months?

First get her to open a new bank account with a bank she doesn't owe any money to - it will probably need to be a basic bank account - co-op cashminder are well thought of. Then get her to write to wonga and offer a small installment she can afford and say she is unemployed. I wouldn't tell them that she has recently become unemployed, no point adding more lies to the situation just state that she is currently unemployed. There is a template on national debtline she could use as a starting point.

Hopefully they won't look further into it, if they do she'll have to face the consequences.

If she is considering a DRO then I would suggest she considers a bit quicker and works out if that is the right thing for her. If it is then get her moving with the applications and make sure this and all debts are included in her DRO. If she decides its not the right thing for her, or if she manages to find employment then she'll need to keep paying and up her payments to wonga and her other creditors as she can.

Hopefully she has now realised that taking on more debt, when she cannot afford her existing ones, is a really really bad idea.