Wonga!

victim99

Hey everyone, I'm in desperate need of advice!

I've just come home from university for the christmas break and was welcomed by two letters from Wonga both sent on the same day.

They claim that I haven't repaid my loan. HOWEVER I have never had any association with Wonga nevermind having a loan from them.

Should I ignore this? I mean all they have are my home address and name? I don't want to contact Wonga directly because then they will either have my phone number or email and from that they could access my paypal, ebay and more!

What should I do?

daveyjp

Write to them. Recorded delivery.

_Andy_

victim99 wrote: »

I don't want to contact Wonga directly because then they will either have my phone number or email and from that they could access my paypal, ebay and more!

What should I do?

Take the tin-foil hat off and give them a call. Not rocket science.

Treadmill

It's very possible you are a victim of fraud, act now rather than wait until Wonga dip your bank account as they surely will.

victim99

Anyone can access anything if they have so much of your details. It isn't difficult with some time and patience to find somebodies password.

They have none of my bank details, as I haven't had any prior dealings with them.

I have tried contacting them via the number they supplied but its automated and you have to supply details that you set up your account with.

I think I'll keep a close eye on my accounts and wait to see if I hear anything further.

Thanks for the advice though (those who gave it!)

opinions4u

victim99 wrote: »

Anyone can access anything if they have so much of your details. It isn't difficult with some time and patience to find somebodies password.

There is a line between common sense security and extreme paranoia.

As for your Wonga problem, I strongly recommend a recorded delivery letter stating that the loan is not yours.

Don't let it escalate.

spacey2012

Treadmill wrote: »

It's very possible you are a victim of fraud, act now rather than wait until Wonga dip your bank account as they surely will.

Incorrect : Wonga would be the victim if they have been defrauded.
The OP would only be the victim if their bank account had been defrauded.

Easy mistake, but if someone commits fraud in your name, the company who were defrauded are the victims of the crime, however they are most delighted when someone offers to be a victim on their behalf and attach their person to the debt.

pheonixrising21

victim99 wrote: »

Hey everyone, I'm in desperate need of advice!

I've just come home from university for the christmas break and was welcomed by two letters from Wonga both sent on the same day.

They claim that I haven't repaid my loan. HOWEVER I have never had any association with Wonga nevermind having a loan from them.

Should I ignore this? I mean all they have are my home address and name? I don't want to contact Wonga directly because then they will either have my phone number or email and from that they could access my paypal, ebay and more!

What should I do?

By the sounds of it someone has fraudulently taken a Wonga loan and given your name and address. It doesn't seem like they have your bank account details as they are resorting to writing to you for repayment. if they had you bank details, they would have already taken what is "owed".

As others have said, write to them, recorded delivery, stating in no uncertain terms that the loan is not yours. request that they cease from all debt collection activities towards you for this loan. Remind them of the OFT (or FSA?) regulations on debt collection that they must be able to prove that the loan is yours to persue it, and persuing debt where there is not clear evidence can be seen as harassment.

what are you studying at uni, Stupidity?

Is this really necessary? This is clearly a troubling situation for the OP. We are all warned all the time about keeping personal information secure and the OP came here for advice, not to be ridculed

victim99

Thanks pheonix.

I think on Monday I will send out a recorded letter.