Wonga Still Claiming Loan Outstanding

CptMidlands

Good Morning

I hope this is in the right place, i came here asking for help a year ago and glad to say i got it all sorted and am now Debt Free (Or so i thought, more about that in a bit).

My issue is concerning a letter i received on 5th July 2012 from Wonga telling me my current balance is outstanding and I'm in arrears for £538.92 (Which they apparently wrote to me on 28th June 2012 to tell me). Now this is odd as i contacted them last July and set up an arrangement for £77 p/m over a year which i have paid each month and was under the impression had now cleared the balance as part of this i have an email from someone in there debt recovery office dated last July, confirming the arrangement and that interest will be frozen (which the letter seems to indicate was not the case)

Now checking through my payment history it seems that there has been the odd payment taken on 2nd of the month (the Standing Order was for 1st but my bank was slightly late in processing the payment or it was a weekend etc however each time they were happy to accept the payment), however after speaking to Wonga on the phone to try and clear it up apparently i broke the agreement (I rung them when i first got the letter on Monday and there response was "You said you would pay on the 1st, you paid on the 2nd thus broke the agreement and interest recommenced and we wrote to tell you this" (I have kept every letter i have received in the past year all in separate folders and not one of them from Wonga is to say this))

My question is basically, where do i stand? Through agreeing to pay on the 1st and making payment on the 2nd am i liable for the interest that has built up due to technicaly breaching the agreement or can i claim that all though i accept it was a day late it was due to circumstances outside my control and each time they were happy to accept the payment which showed acceptance of the late payment on there part?

Sorry if this all sounds confusing, i'm quite angry about the situation and thanks in advance for any help

[Deleted User]

Whatever you do don't lose the email that says interest was frozen/being stopped and make a formal complaint first to the lender, (in writing they do have around 8 weeks to respond) before esculating to somewhere like the Financial Ombudsman or even try their trade association (info should be found on their website) once you in receipt of a "final response" letter

In your correspondance mention the points above and be clear you are making a complaint especially if you kept to the repayment amounts on your 'gentleman's agreement', you've done nothing wrong it could be an error their side OR their just chancing their luck because you stuck to your side in repayment - payment date is trivial most companies allow a number of working days for monies to transfer and in fact one of their competitors certainly does in repayment plans - let me know if you would like that lenders name!

CptMidlands

Deleted%20User wrote: »

Whatever you do don't lose the email that says interest was frozen/being stopped and make a formal complaint first to the lender, (in writing they do have around 8 weeks to respond) before esculating to somewhere like the Financial Ombudsman or even try their trade association (info should be found on their website) once you in receipt of a "final response" letter

In your correspondance mention the points above and be clear you are making a complaint especially if you kept to the repayment amounts on your 'gentleman's agreement', you've done nothing wrong it could be an error their side OR their just chancing their luck because you stuck to your side in repayment - payment date is trivial most companies allow a number of working days for monies to transfer and in fact one of their competitors certainly does in repayment plans - let me know if you would like that lenders name!

Thanks for the response, i have kept the Email and even sent a copy to my alternative address and my work address just in case, i know i shouldn't speak to them on the phone but i did give them a call today and spoke to someone else who was actually very helpful.

Basically he looked through it with me and agreed that he could see some payments were a few days late however they have allowances for that and he said that they haven't sent any letter till this past few weeks about the rest (good old contradictory story). His advice was to write in with a formal complaint including copies of the original email and explain the situation and if needed to refer to the call i had with him too (it must have been his last day of work or something to stick his neck out like that) and they should be able to sort it and in the mean time to keep notes of calls and seek advice from CAB if the complaint didn't work.

To be honest the advice put me in a semi state of shock given my other experiences with Debtors and DCA's etc. Oh and i did record the phone call (make it a habit now) and made sure to advise him as such and he was happy to continue so at least i have that too

[Deleted User]

Good to see you on way to being sorted - I think you did right in bitting the bullet and just calling anyway you have the paperwork mountain to refer back to so that should stand in some stead, here's hoping you'll get a positive outcome

Dealing with short term loan creditors was easily my worst experience and lowest point I'm afraid! none of the shanigans would surprise me