Wonga took 2 payments-refund help!

tell_it_how_it_is

You're contradicting yourself. First off you say you "have incourred fines for other debts that could not be paid", then you've "paid off pretty much all of my debt ... wonga and one other small repayment was all i had left until i am clear."

It's still possible you'll be refunded, so why not wait until tomorrow morning. Your ideal is probably that they only refund you the amount above what you owe, then the debt is gone. And then perhaps family or friend can lend you a ton or so to tide you over until payday?

Do yourself a favour and try and get your house in order and live to your means as soon as possible, otherwise you could get yourself into a vicious cycle of nasty debt, and face more situations like this.

Apples2

Person_one wrote: »

She's just asking for advice, if you haven't got any then judgemental remarks are not really a helpful alternative.
.

Any worse than not giving ANY advice?

The OP is crackers to completely deny breaking any contractual terms, as if she is in the right for not repaying her loan on the day she contractually signed to do.

It is not uncommon for refunds to take up to 30 days, most financial institutions act this way. The Direct Debit Mandate is the best way to retrieve a double payment.....assuming it was a Direct Debit.

How? Im in a tight spot- I get a loan.

This is wrong, you do not get loans to pretend you got paid more that month. You take loans to buy something where you have enough spare each month to make the repayments.
You are not managing your money at all but you seem oblivious to it, hence the position you are in (which still isn't clear but appears far from good).

Jessiicahh

Ok,

tell_it_how_it_is wrote: »

You're contradicting yourself. First off you say you "have incourred fines for other debts that could not be paid", then you've "paid off pretty much all of my debt ... wonga and one other small repayment was all i had left until i am clear."

What i said wasnt condradicting at all, yes i have paid off pretty much all my debt, i had one other debt of £15 that couldnt be paid because wonga took £200 out my account.

tell_it_how_it_is wrote: »

Your ideal is probably that they only refund you the amount above what you owe, then the debt is gone. And then perhaps family or friend can lend you a ton or so to tide you over until payday?

Erm No, actually wonga have admitted fault and ae now processing a full refund and a letter of apology, and my bank took it very seariously. Plus not everyones family has money to just give to someone else. Oh and i have the money to pay my debt, my financial hardship is over and wonga caught me by suprise when they took two payments.

tell_it_how_it_is wrote: »

Do yourself a favour and try and get your house in order and live to your means as soon as possible, otherwise you could get yourself into a vicious cycle of nasty debt, and face more situations like this.

And btw, i dont have to get my house in order. Im 19 and a student, i pay board thats it, always on time by the way =]

:j

Jessiicahh

Apples2 wrote: »

Any worse than not giving ANY advice?

The OP is crackers to completely deny breaking any contractual terms, as if she is in the right for not repaying her loan on the day she contractually signed to do.

Never once said i was in the right for not paying my loan, and how can a contract be broken when the new agreement was made before any conditions were broken. I made an offer to them for part payment and a payment plan which they accsepted. There was consideration to this new agreement was the sum of £200. I would have to go back and check my research, im a bit rusty on contracts, but pretty sure this would ammout to a new contract.

Im not a complete idiot, iv just finished my second year of a law degree.

Apples2 wrote: »

It is not uncommon for refunds to take up to 30 days, most financial institutions act this way. The Direct Debit Mandate is the best way to retrieve a double payment.....assuming it was a Direct Debit.

This was the only 'advice' part of your post.

Apples2 wrote: »

This is wrong, you do not get loans to pretend you got paid more that month. You take loans to buy something where you have enough spare each month to make the repayments.
You are not managing your money at all but you seem oblivious to it, hence the position you are in (which still isn't clear but appears far from good)

Im sorry but not once did i tell anyone what i got the loan for, what my finantial hardship was or any details about how much i owe to anyone. How am i oblivious to anything, i owe wonga a total of £10.82 and thats not even due yet. I owe one other lender £15 and the only reason thats not paid is because wonga took an extra £200. You seem oblivious to the fact iv already said that when wonga took an extra £200 that it exceeds what i owe them.

I came on here looking for advice on a matter and you seem to think you can just judge my situation.

Apples2 wrote: »

Any worse than not giving ANY advice?

Yes it is worse, people who come on here already know they should'nt get loans, or abuse them and writing posts telling them again is rubbing it in there faces. If you've got actual advice concerning the problem then post it, other than that keep your opintions to yourself.

tell_it_how_it_is

Jessica, you'd do yourself a favour not to go off on one when you read something you don't want to see. Most advice on here is only intended to be helpful, however it is interpreted.

You said you'd borrowed money off Wonga "a few months ago", so no doubt in the period of time which has followed they have taken quite a tidy sum from you, all for doing precious little.

The comment about asking family or friends for some money was simply a suggestion, that is all. If no-one is able to help, so be it, but would have helped stop you GIVING AWAY even more of your money to these companies - because that is what you have been doing!

Consider how much you have borrowed, and tot-up what you'll end up paying back. And then ask yourself "was it worth it?". I can safely suggest the answer will be "no".

If you think everything has been hunky-dory thus far, then I'm sorry, you are sadly mistaken. However, I genuinely hope for your sake that you are close to getting back on track, and wish you all the best. I shall offer my pearls of wisdom to you no more.

mynameistallulah

Guess the best advice would be to point the OP to the Bankruptcy board ... That's where she is heading if she carries on in this way ...

Donki

This is a prime example of why this site is slowly but surely going to the dogs, if someone comes on here seeking advice for a particlular problem why o why do some feel the need to patronise them, a lot people have financial problems and this is a place where these problems can be aired and discussed. Just because its an internet forum doesn't give people the right to talk to other people in a way they wouldn't to thier face. The really sicking thing is some people seem to get off on it?? Really small people with really small lives IMO.

Donki

mynameistallulah wrote: »

Guess the best advice would be to point the OP to the Bankruptcy board ... That's where she is heading if she carries on in this way ...

Need I say more...... :money:.

DCFC79

Donki wrote: »

Really small people with really small lives IMO.

If people get off on it then so be it, its they're choice, the site is perfectly fine and not going to the dogs but im not denying there are those who do go a bit OTT.

AMILLIONDOLLARS

This site does not encourage, condone people going into debt, therefore whoever comes on asking for money advice, are usually given advice on how to avoid these payday loan rip-off merchants, a lot of people here have been here, done that and are passionate about making sure others do not make the same mistakes. Bare with us!!

AMD