Don't know what to do

John1993_2

asdurley wrote: »

It wasn't on time and the money they took was the wages my partner has as we only have one income now.

It means I have no money for rent or bills or council tax, or gas or electric or anything else for the next month. I have £23 in my account for a month.

That's unfortunate, but I'm afraid that it was pretty much inevitable once you'd reneged on the deal that you originally had with them. You'd promised to pay them back in full by a certain date, and they have rightly taken what they had the right to do.

You'll need to ask your landlord for a delay in this month's rent, and then find the cheapest way to feed yourself until next payday.

John1993_2

asdurley wrote: »

No I dont have good enough credit for that, thats why we ended up with the payday loan in the first place

Are you owed any redundancy payment from work?

For future reference, you should never take out a payday loan if your job is not secure or if you will not be sure of enough redundancy payment to cover it if you do lose your job.

potterg7

asdurley wrote: »

I really don't know what to do.

Im going to go against the grain and controversially suggest that you... get another job?

ANYTHING. ANYWHERE. ANY PAY.

Do it for a month, or maybe two. There is a good chance that it wont kill you.

matttye

I think that, given you contacted Wonga about entering into a repayment plan and provided evidence that you had no disposable income, that them then taking the full amount would be classed as an unauthorised transaction for the purposes of Regulation 55 of the Payment Regulations Services 2009 and you *may* be able to get it back from your bank if you tell them the transaction was unauthorised.

If you communicated with Wonga in writing or by email then you'll have some evidence to support your argument.

If the bank refuses to give it back, which is a real possibility (although WRONG in my opinion), then you would need to complain to the ombudsman, but that will take time and you'd still need to find a way of managing this month, so perhaps if the bank refuses to help you'd be better off just putting it down to experience.

You could always try asking Wonga for the money back first and asking them to justify why they took the full amount when you were trying to agree a repayment plan. I don't believe for one moment a scummy PDL will want to assist though.