GF stole money to pay Wonga.

fart

John1993 wrote: »

Why are people mentioning the idea that Wonga has stolen anything? They haven't, the OP's girlfriend has.

If I stole your credit card, and your security details, and used it to buy my shopping, Tesco hasn't stolen from you, I have.

I understand that you would like it to be the case that Wonga are in the wrong, but that's not how the law works.

Don't know why you're quoting me....i think it is the girlfriend who has stolen it. I have previously stated:

When you apply for pay day loans they take the card details for repayment and take it back on an agreed date.

This means that either:

She's set up the entire thing using your card and now they've taken the payment.

She's behind on payments and has given them the details for taking the lump sum out.

The comment you quoted me on was merely my response to someone asking whether it's ok for a financial company to steal from a person because they get people stealing from them all the time:

Originally Posted by copperlight
Look at this way...if people steal money from pay day loan companies and some even boast about it on here Im not surprised these companies want to steal some of it back. Or would that be 'unfair'?

Originally Posted by fart
Of course it's unfair.

John1993_2

Sorry, I thought that you were referring to Wonga stealing someone's money.

fart

John1993 wrote: »

Sorry, I thought that you were referring to Wonga stealing someone's money.

No...i think if you've taken out credit from them and then they manage to get it back from you on the agreed date then they've done nothing wrong.

Longships

Before any of us start judging the girlfriend I think we should recognise that there is another side to this story. Why was she so desperate that she needed to borrow £2,000 from this type of loan company? As they have been together for 8 years are there children involved? Does she maybe stay home to care for children and "his" money is the only money.

Just saying there might be more to this than greedy, spendthrift girlfriend steals boyfriends money.

capricorn177

Longships wrote: »

Before any of us start judging the girlfriend I think we should recognise that there is another side to this story. Why was she so desperate that she needed to borrow £2,000 from this type of loan company? As they have been together for 8 years are there children involved? Does she maybe stay home to care for children and "his" money is the only money.

Just saying there might be more to this than greedy, spendthrift girlfriend steals boyfriends money.

There's no kids involved luckily, we both work full time earning roughly the same wage. I've never be stupid enough to have a joint account though. I've worked my butt off for the past 10 years to get out of debt - never had a credit card and or a loan, and my credit rating is perfect. She's a financial black hole. Thanks for the advice but it's too depressing to reading the rest of the comments

easy

My point is that Wonga should not be debiting ANYONE'S account, unless they have the express permission of the account holder.

Hence, when one of their debtors turns up with bank details/debit card which does not bear her name, they should not debit that account without the account holder appearing in person and signing to give authority.
If this can happen, then anyone can turn up with the details of someone else's account (easily obtained from a cheque book), or 'borrow' a parent/friend/colleague's debit card and get their arrears paid off.

Honestly OP, I would be reporting this to trading standards - I thought they were gunning for poor practice in the payday loans business right now?

BTW, I'm not undermining the GFs culpability in all this, by presenting these details without the account holders permission, she has committed either theft or fraud - Theft if she told Wonga it wasn't her account, Fraud if she told them it was (altho they should have checked)

fart

easy wrote: »

BTW, I'm not undermining the GFs culpability in all this, by presenting these details without the account holders permission, she has committed either theft or fraud - Theft if she told Wonga it wasn't her account, Fraud if she told them it was (altho they should have checked)

It's theft either way.

atrixblue.-MFR-.

fart wrote: »

It's theft either way.

she hasnt "stolen" in the sense, its fraud. she did not steal OP's card. she defrauded him out £2000 by use of his card and defrauded wonga of £2000 wich they stand to lose "again".

i doubt charges will be brought, it will just be a swift, wonga refund and a swift telling off.

all op needs is a crime ref number thats active.

fart

atrixblue.-MFR-. wrote: »

she hasnt "stolen" in the sense, its fraud. she did not steal OP's card. she defrauded him out £2000 by use of his card and defrauded wonga of £2000 wich they stand to lose "again".

i doubt charges will be brought, it will just be a swift, wonga refund and a swift telling off.

all op needs is a crime ref number thats active.

I'm not talking about the law, i'm talking about what she's done. She's nicked money off him to pay off a debt when all's said and done. It's theft AND fraud, not either or.

She's taken money off him without his consent, that's theft. She didn't trick him into giving it her, she just took it.

EDIT: Sorry, it's theft and fraud IF she's pretended to be him on the phone to Wonga or whatever.

matttye

John1993 wrote: »

Why are people mentioning the idea that Wonga has stolen anything? They haven't, the OP's girlfriend has.

If I stole your credit card, and your security details, and used it to buy my shopping, Tesco hasn't stolen from you, I have.

I understand that you would like it to be the case that Wonga are in the wrong, but that's not how the law works.

They haven't stolen it but they're probably guilty of dishonestly retaining a wrongful credit.

"F124A Dishonestly retaining a wrongful credit.

(1)A person is guilty of an offence if—
(a)a wrongful credit has been made to an account kept by him or in respect of which he has any right or interest;
(b)he knows or believes that the credit is wrongful; and
(c)he dishonestly fails to take such steps as are reasonable in the circumstances to secure that the credit is cancelled.
(2)References to a credit are to a credit of an amount of money.
[F2(2A)A credit to an account is wrongful to the extent that it derives from—
(a)theft;
(b)blackmail;
(c)fraud (contrary to section 1 of the Fraud Act 2006); or
(d)stolen goods.]"

Assuming that the OP has told Wonga it was stolen from him:

1(a) - check
1(b) - check
1(c) - check
2(a) - check

http://www.legislation.gov.uk/ukpga/1968/60/section/24A