Wonga, Is this legal

stuartroberts

these companies are really the lowest of the low resorting to immorral practices to get their money.

If you owe it fair enough, if you agree to it fair enough. If its done behind your back then its breaking the law in my book.

stuartroberts

krisdorey wrote: »

If there wasnt a CPA then it can be argued that the payment was not in line with the PRS 2009 I mentioned above.

Did you ask the bank how they took payment for a third party without the use of a CPA?

Not sure what to ask them to be fair, they had only ever had one payment made to wonga 2 years ago and one on Monday, they said the only thing the same is the card details my name and the 3 digit from my card.

should there be some sort of other marker.


I agree i should let it go but it has made me so angry, i think the more people complain the more gets done and the more everyone who use this board benefits.

nottoolate

stuartroberts wrote: »

No more money can be taken from my account as there wasn't a continua s payment on the transaction apparently.

Just a debit card payment to wonga .com one off.

so rather than set up a CPA that you did not authorise, the scammers wonga took a completely unauthorised payment by reusing the previous card details used to make the one off payment on a separate account?

utterly and completely out of order. and arguably theft in that case. at least tell the bank it was unauthorised and get it refunded. and report wonga to everyone you can for that dishonesty.

meer53

DS4215 wrote: »

So technically I could take out a PDL and then pay it off on my wifes card (with her permission as we are married). Two years later we've split up and gone through a divorce and I can ruin her by taking out PDLs and letting them take the money from her account...

In this case, could they also argue that the brother committed fraud by taking out a loan with incorrect payment details.

There is no fraud. The brother had an agreement with Wonga. There were 2 sets of card details held on this agreement. The brothers and the OP's. When Wonga weren't successful in claiming the payment from the brothers details, they moved on to the OP's. As they explained they would do on their website.

If you want to help people who have PDL's to repay, give them the cash, not your card details.

stuartroberts

Am i right in thinking the bank would have been able to see if this had been a cpa throughout the last 2 years?

meer53

nottoolate wrote: »

so rather than set up a CPA that you did not authorise, the scammers wonga took a completely unauthorised payment by reusing the previous card details used to make the one off payment on a separate account?

utterly and completely out of order. and arguably theft in that case. at least tell the bank it was unauthorised and get it refunded. and report wonga to everyone you can for that dishonesty.

It's not theft, Wonga are not dishonest. Wonga were given the OP's card details willingly. No bank would treat this as fraud. Yes, it's a massive loophole that needs to be closed, i'm sure someone is already working on this, it's been going on for a few years now, it's in the news on a weekly basis.

And before you ask, no i don't work for Wonga.

meer53

stuartroberts wrote: »

Am i right in thinking the bank would have been able to see if this had been a cpa throughout the last 2 years?

No, they wouldn't see anything until the transaction appears on your account.

nottoolate

ballhooks!

if you give card details for a one off payment that does not give them permission to raid you account for debts owed on a different debt later on.

it is arguably theft. it is contrary to oft guidelines.

it is an unauthorised transaction that should be refunded.

it is also grounds to take a complaint to the fos.

stuartroberts

meer53 wrote: »

No, they wouldn't see anything until the transaction appears on your account.

So does that mean that any company for any reason could potentially reuse my details and claim they had a cpa with me.

meer53

nottoolate wrote: »

ballhooks!

if you give card details for a one off payment that does not give them permission to raid you account for debts owed on a different debt later on.

it is arguably theft. it is contrary to oft guidelines.

it is an unauthorised transaction that should be refunded.

it is also grounds to take a complaint to the fos.

You might think it is ballhooks.

You are right on 2 points only, it may be contrary to OFT guidelines and the OP may also make a complaint to the FOS.

With all due respect, making comments when you don't know the processes involved makes you look really stupid.