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Wonga, Is this legal
Comments
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stuartroberts wrote: »They should have told me, you wouldn't expect to pay for any product as say a gift then allow the person you have given the gift to go and reuse the details the shop had on file.
I wasn't a 2nd cardholder on his account and as far as i can figure out wonga have breached my rights.
It could so easily have been my dads account as i have just found out he has previously paid one off for my brother as well, I have told him to call the bank and clear his santander account just incase, i am guessing they would have moved onto his card next.
Don't get me wrong i bet its not just wonga that do this i bet they all do it.
You're right, they all do it.
Your bank could have disputed the payment for you as an unauthorised payment, but Wonga would have simply rejected the dispute saying they had your card details already and quoted the section that i did from their website. Therefore, not an unauthorised payment. I agree that YOU didn't authorise it, but your brother did, he's the one you should be complaining to.
Wonga don't need to apologise to you as they haven't done anything wrong. The FOS are more than aware of Wonga's practices, they have a huge backlog of complaints due to PPI misselling, you may have to wait for over 12 months for a final response. If i were you, i'd let it go. I'd be asking your brother where the £600 is coming from that he's going to pay you today though.
Just a note though, emptying an account doesn't mean that Wonga can't take any money from it, neither does cancelling a card. Keep an eye on the empty account just in case.0 -
It's not "illegal", it's not theft and Wonga have it covered in their T&C's.
The FOS won't do anything as Wonga have done nothing wrong.
You also need to ensure that Wonga don't have a CPA on your account (and I'd suggest your dad does the same).0 -
It's not "illegal", it's not theft and Wonga have it covered in their T&C's.
The FOS won't do anything as Wonga have done nothing wrong.
You also need to ensure that Wonga don't have a CPA on your account (and I'd suggest your dad does the same).
Wonga have done nothing wrong by taking money they weren't authorised to take?
There was a thread on here a couple of weeks ago about a company that dug out old DD details and set up new DDs taking ~£2.50/mth from everyone without permission. Much outrage followed, and the general consensus was that they were wrong'uns. I don't see why this is any different.
Just because Wonga write in their T&Cs (which the OP never saw) that they can do something, doesn't mean it's legal.Mortgage when started: £330,995
“Two possibilities exist: either we are alone in the Universe or we are not. Both are equally terrifying.” Arthur C. Clarke0 -
Therefore, not an unauthorised payment. I agree that YOU didn't authorise it, but your brother did, he's the one you should be complaining to.
How can someone who's not a cardholder authorise a payment on the card?Mortgage when started: £330,995
“Two possibilities exist: either we are alone in the Universe or we are not. Both are equally terrifying.” Arthur C. Clarke0 -
...incidentally, despite my above posts, I do agree it's probably not worth the OP's time to pursue it.Mortgage when started: £330,995
“Two possibilities exist: either we are alone in the Universe or we are not. Both are equally terrifying.” Arthur C. Clarke0 -
They were authorised to take it, the OP consented to that when handing over their card details to Wonga (or her brother as proxy). Part of the credit agreement is that Wonga can take funds from any details , either the initial details or any other details issued to them for clearing payment.
The DD thread is different from this and is covered by the DD Guarantee agreement.0 -
LannieDuck wrote: »How can someone who's not a cardholder authorise a payment on the card?
Because submitting your card details for the first payment, you also authorised a CPA to be attached.
CPA's dont need additional authorisations.0 -
Because the OP has given their card details to their brother, Wonga can take money from the OP's bank account?
I simply can't believe that's ok.
...what I can believe is that the FOS is overwhelmed with other complaints and things like this continue because no-one's prepared to challenge them.
(And you're right - the other situation I mentioned is covered by the DD guarentee - I forgot that.)Mortgage when started: £330,995
“Two possibilities exist: either we are alone in the Universe or we are not. Both are equally terrifying.” Arthur C. Clarke0 -
God thats a scary thought, and has certainly made me think about any times relatives or friends may have helped me out or vice versa. I totally appreciate the OP's issue and yes, I wouldnt have thought it possible either. You would imagine Wonga would have had to read you out some T&Cs when you said you would make the payment. You didnt sign anything or know anything about the terms.
Tough one and certainly made me think hard about the issues with helping people out !VR repayment £404 £156.02 PAID
Airpods repayment £249 £185 £75.90 PAID
Airpods repayment £144 £99.01 PAID
Capital One £14000 -
Because submitting your card details for the first payment, you also authorised a CPA to be attached.
CPA's dont need additional authorisations.
CPA? Credit Protection Agreement?Mortgage when started: £330,995
“Two possibilities exist: either we are alone in the Universe or we are not. Both are equally terrifying.” Arthur C. Clarke0
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