wonga nightmare

tell_it_how_it_is

emmie42 wrote: »

I find it amusing that you have the gumption to criticise other people for their spelling and punctuation when you clearly don't know the difference between effected and affected!

I'm afraid to say it is you who does not know the difference. As triticale pointed out, izool's use of the word 'effected' was spot on.

With regards to the OP, as other have said, speaking to CAB and/or the debt charities about both wonga and work is surely the way to go at present.

MysteriousMoon

Sweetheart, my best option would be to call them, this is coming from someone that has had 3 jobs in one year due to redundancy. Call them up and explain the situation to them, tell them you are unable to pay any money. Like the others have said, sell things, that what I did, DVDS BOOKS Clothes I sold to keep myself going

CHR15

Is this thread going off topic?

More like a Marriage councelling session.

Lessbutbetter

Spelling, grammar and punctuation all make things easier to read and if not used correctly project a certain image of the person posting.

Ok. And what? Theres no need to goad them though is there?

There are a bunch of people who use this site [all day every day i might add] who are clearly waiting to pounce on posters who are only out for a bit of help. The last thing someone needs when they're stressed out over money or whatever it may be, is someone insulting and belittling them from behind their computer. It's pathetic and you know it.

jayjay2910

having dealt with wonga personally i have found them to be very helpful and stuck to the argeement but my only problem was having to wait untill the day before my repayment was originally due to arrange a repayment schedule with them, yes they weren't happy and wanted the agreement over a shorter term, of course they would, they want their money back, but stick to your guns and follow the advice on here, ignore the trolls they might go away ;-) but 1st thing to do is open up a new account asap because if wonga do make a mess of things and go to collect the full amount then they can't do it as they don't have your details, best account and easiest to open ive found is the Co -op.

As for Wonga themselves, well they provide a service when your credit score is worse then greece's national debt and you need some extra money, i know their APR is silly but end of the day most of us who turn to a PDL company have no other opiton but to use them, maybe if the banks would be abit more understanding with those of us who have less than perfect credit history, then these companys would die out and dissapear but im not saying that they banks shouldn't look at the risk someone poses to them in repaying the loan but what happen to the good old fashion bank manager who could say yes or no, not some souless computer thats say no ive decided that you don't tick all the boxs i want so i gonna say no.

yes i know i should know better working finance, but it seem's that the personal touch is being slowly lost to the automated system

angelofthenorth5

give them a ring, i rang them as i coudnt afford the payment, and i wanted to get myself out of the pdl spiral, the woman i spoke to was very helpful and sympathetic, i agreed a payment plan over 2 months(as thats what i could afford) they agreed to freeze interest and charges. I did wonder if they would stick to the arrangement and happily they have so i will make the final payment this week and i will have cleared the debt the worst thing you can do is just leave it, just call them and tell them you are in difficulty. they will help you. good luck

LovelyLeeds

mskemp85 wrote: »

Well played!

Not so, the word effected was used correctly. :cool:

It doesn't bother me if people have bad grammar, spelling etc, as generally you can get the gist of what they're trying to say.

It's the posters that come on here and take immediate sides with something but then contribute precisely zero to the actual thread - like we're going to respect their point of view!

So, to the opening poster: you need to contact the CAB pretty quickly, or research into a DMP using one of the free services - not the ads you see on the tele.

backinbusiness

emmie42 wrote: »

I find it amusing that you have the gumption to criticise other people for their spelling and punctuation when you clearly don't know the difference between effected and affected!

Effected is correct in this context.

bobbyj_2

Keep up the good work wonga. Darwinism at its best :-)

geoffky

jayjay2910 wrote: »

having dealt with wonga personally i have found them to be very helpful and stuck to the argeement but my only problem was having to wait untill the day before my repayment was originally due to arrange a repayment schedule with them, yes they weren't happy and wanted the agreement over a shorter term, of course they would, they want their money back, but stick to your guns and follow the advice on here, ignore the trolls they might go away ;-) but 1st thing to do is open up a new account asap because if wonga do make a mess of things and go to collect the full amount then they can't do it as they don't have your details, best account and easiest to open ive found is the Co -op.

As for Wonga themselves, well they provide a service when your credit score is worse then greece's national debt and you need some extra money, i know their APR is silly but end of the day most of us who turn to a PDL company have no other opiton but to use them, maybe if the banks would be abit more understanding with those of us who have less than perfect credit history, then these companys would die out and dissapear but im not saying that they banks shouldn't look at the risk someone poses to them in repaying the loan but what happen to the good old fashion bank manager who could say yes or no, not some souless computer thats say no ive decided that you don't tick all the boxs i want so i gonna say no.

yes i know i should know better working finance, but it seem's that the personal touch is being slowly lost to the automated system

I think you will find that these people have ripped off most financial institutions before they arrive at wonga,So why should banks help them to do it again,