wonga.best way to proceed

shellyruby

ihateyes wrote: »

ring them or email them @ [EMAIL="collections@wonga.com"]collections@wonga.com[/EMAIL] or [EMAIL="balanceoffer@wonga.com"]balanceoffer@wonga.com[/EMAIL]

Be sure to sya their has been a change in your financial cirumstances.

Ask for a sort code and account number and a reference number so you can manually make the payments each month.

thank you for the link..
there has been a bit of a change in circs.this morning i had a fiver [once the rent comes out tommorrow..now ive about 2 quid lol.
hubby will help me out until payday so can manage.
the sad thing is is that i should be able to manage on what ive got and i do budget but things seem to crop up.

shellyruby

DCFC79 wrote: »

Set up a payment plan with them but you might have to default first.

What was the reason for the loan ?

i dont think im going to have enough time this month to get a new account and get wages transferred in time..
it is always to cover my part of the rent..the first loan i got was for 80 quid which was to cover rent[that month i had overspent.]then the 2nd month it was 120 left myself short..then the month after went up to 200 as it was both my sons birthdays and hadnt budgeted for that and so on.it seems to just cover rent..i tried to bring it down this month,only by 50 quid or so but just couldnt afford it..
i only realised the trap when it was too late.been such an idiot.

shellyruby

sistafromanothermista wrote: »

Hi. Call them and make them aware of the situation and see what they suggest.
Also try and reduce your outgoings. Post up your soa on the debt wannabe forum for help.

thanks very much,im a bit scared to call them until ive got a new account set up and wages going into the new account..
i will definalty post my soa up.

shellyruby

conisme wrote: »

I am not judging I was in the same boat as you OP and Tia also, I had a job and had borrowed to payday a few times but one day the company lost its employment contracts so I rang Wonga and paid £50 that day then on the day of my payment date they put it into a repayment plan of £30 a month until I paid it all off, just explain its all you can afford. Hope it works out and try to stay away from them in future.

am glad they helped you and you managed to sort it out,bet it was a relief when you finally paid them off.
in some ways i dont know whether to see it as a temp overdraft type thing[which i know it isnt]im not worried about my credit rating as i know its shot to bits anyway with my dmp being paid off now[history of being unable to budget.]
but more of being able to sort it out in the time limit ive got with changing it all over.

shellyruby

Tia123 wrote: »

I found myself in some difficulty with payday loans @wonga. Anyway i called them up and offered £100 a month for 4 months and they said ok no problem. Just about to take the last payment and that will be that.

I dont suppose they would be happy to deal with me again but thats fine with me. Really is too easy to use these sharks. I for one will just be watching what i spend in future and avoid them like the plague!!

OP ring them and tell them you cant pay as it will leave you in hardhship. ask for an affordable payment plan.

thank you tia..thats the amount i was thinking..i could manage that if i am determined to pay it off..

shellyruby

thank you so much for all your replies..i was so happy when i came back from work tonight and saw them all..

the other thing i was thinking is is it better to be tough with myself try to reduce it down every month for say 5 months and try to get it to 100 less every month or even 80 pounds less..is it better to do that than default.if im able to pay them 100 pounds a month[this is the amount i was thinking off] if ive defaulted then i should be able to be strong enough to just take the cash out i need for the month,,the bare minimum and have 5 tough months.. i owed my partner money and was paying him back 120 a month until a couple of months ago and should have been laughing now.what do you all suggest.. is it better to take the responsibilty and try to do it myself..i did try to do this the last few months until i thought what the hell have i got myself into.or is it better to borrow even 50 less every month.the thing that frightens me with it is now i rely on it like an overdraft and have to count it in with my wages..scary..funny it seemed fine when it was only 100 pounds or so..well and truely learned my lesson with this..my hubby is good with money,well better than me..but he had a rough month a few month back and took out a small one..the next month he lived on the bare minimum and didnt get caught in the trap.thanks again for not judging me..i really appreciate all the replies.

Mara69

shellyruby wrote: »

i only realised the trap when it was too late.been such an idiot.

So tired of hearing this. It is not a trap, it is YOU overspending. YOU spent too much money on crap you didn't really need.

Spend less and you won't have to borrow from pay day lenders. It really is that simple.

happycamel_2

I think part of the proble is this "my money, his money" thing. If you're living together and have a child, especially if you're married, you need to pool your resources.

It's not th rent that's got you in this situation, it's that you've spent the rent money on other things.

Given your credit history i can understand it might be better not to befinancially associated. Get an account in his name and set up direct debits for your routine outgoings (rent, council tax etc).

Budget a realistic amount for other essential expenditure that can't be avoided. The SOA on the DFW board will help but things like car tax, car maintenance.

Total that up, add a little bit in case bills rise and make sure enough money goes in by standing order the day after either of you gets paid. It doesn't matter if one of you pays it all or you both do.

Now use the SOA on the DFW board to work out how much you have left for groceries, clothes etc. Budget accordingly as a family and stick to it. If you overspend in one area then cut back in another. Some people do weekly envelopes and use cash so they cannot overspend.

Now agree between you to split any surplus, after paying all your costs or agree where to cut back I you're going to not have enough. If the family has £100 spare you can't both spend it then wonder why you're £100 short, which sounds like what has been happening.

Can you scrape together enough between you to get rid of the loan entirley this month so you start next year with a clean slate? really cut back on groceries, buy a small gift for your son and that's it. Minimise spending on petrol etc. make sue you cancel non essentials like satellite TV, mobile phone contracts etc, you can have them after you've paid your debt and got some savings (sorry, if you've done that already).

I hope that helps.

happycamel_2

Also can you sell anything to clear the loan, toys your son has grown out of, clothes, gadgets etc.

shellyruby

happycamel wrote: »

I think part of the proble is this "my money, his money" thing. If you're living together and have a child, especially if you're married, you need to pool your resources.

It's not th rent that's got you in this situation, it's that you've spent the rent money on other things.

Given your credit history i can understand it might be better not to befinancially associated. Get an account in his name and set up direct debits for your routine outgoings (rent, council tax etc).

Budget a realistic amount for other essential expenditure that can't be avoided. The SOA on the DFW board will help but things like car tax, car maintenance.

Total that up, add a little bit in case bills rise and make sure enough money goes in by standing order the day after either of you gets paid. It doesn't matter if one of you pays it all or you both do.

Now use the SOA on the DFW board to work out how much you have left for groceries, clothes etc. Budget accordingly as a family and stick to it. If you overspend in one area then cut back in another. Some people do weekly envelopes and use cash so they cannot overspend.

Now agree between you to split any surplus, after paying all your costs or agree where to cut back I you're going to not have enough. If the family has £100 spare you can't both spend it then wonder why you're £100 short, which sounds like what has been happening.

Can you scrape together enough between you to get rid of the loan entirley this month so you start next year with a clean slate? really cut back on groceries, buy a small gift for your son and that's it. Minimise spending on petrol etc. make sue you cancel non essentials like satellite TV, mobile phone contracts etc, you can have them after you've paid your debt and got some savings (sorry, if you've done that already).

I hope that helps.

thank you happycamel.that is really great advice,
and is exactly right..hubby works full time and im part time..i would go full time if the hours were there to earn more.
youve hit the nail on the head exactly with money with myself and hubby..we have totally seperate fianances..for the reason of association and also because he was brought up that way..where i wasnt...have tried to talk to him about this but its hard work..all he can see is that ive got myself in trouble yet again..thats a good idea about the cash envelopes..im going to do that and maybe give my debit card to my mum.
thank you for your advise,its was very helpful.