Wonga 2 defaults on credit file?

cottage_retreatist

Hello!

I was wondering if someone could help me? I have been perusing the OH's credit files (I manage all finances in our relationship ) and noticed that Wonga have put two defaults onto his credit file - one for 1400 and one for 1600 (both set the defaults in 2012) - now when I log into Wonga only the 1600 limit is shown and obviously you can't take out one loan when you already have one with them so we definitely don't have 2 goddamn PDloans out with blooming devil-spawn Wonga!

The question is - what can we do about this? It seems ridiculous and must be 2 defaults on the same loan - can we write to them and ask them to remove one? We haven't spoken to them since the default so were going to contact them anyway to ask for a payment plan but should we wait and get this sorted out in the first instance before discussing repayments?

and if we do ask them to remove one is there a standard format letter we could send?

Any advice is much appreciated!
Many thanks

C-R x

Tixy

What start date do each of the accounts show?

Does the first one show as settled? or do both show as outstanding debts/defaults?

cottage_retreatist

Tixy wrote: »

What start date do each of the accounts show?

Does the first one show as settled? or do both show as outstanding debts/defaults?

hey Tixy!

Thanks for responding - I have now checked the experian credit report - both show as defaults,
2 different entry numbers

1 has a default date of april 2012 with 1500 ish amount start date Dec 2011
2nd has a default date of june 2012 with 1600 ish amount! start date February 2012

it might be because we set up a repayment plan for it but then he wasn't able to pay for the repayment plan so we 'defaulted' on the repayment plan for the original loan. but it's still only 1 amount of money we owe not two!

but can they still do that?!!!!!!
eek!!!!

Tixy

I wonder if its possible that he had a loan for £1400, missed the repayment and then agreed a second loan to repay the first, for £1600, which he then defaulted on?

If that was the case the first default would show as settled and would be settled at roughly the same time the second loan was taken out.

If that is the case then its not really a fair repesentation as to what happened, the first loan should not have showed as defaulted, perhaps just a missed payment.

cottage_retreatist

Tixy wrote: »

I wonder if its possible that he had a loan for £1400, missed the repayment and then agreed a second loan to repay the first, for £1600, which he then defaulted on?

If that was the case the first default would show as settled and would be settled at roughly the same time the second loan was taken out.

If that is the case then its not really a fair repesentation as to what happened, the first loan should not have showed as defaulted, perhaps just a missed payment.

sorry tixy i added additional info to my response to your first post!!!

definitely would not have taken out further to repay - i wouldn't have allowed him to do that and he doesn't do any of this money stuff - i do it all!!! he doesn't take any money out without talking to me first!!! (we know who wears the trousers!!)

can only be when we defaulted on the repayment plan they put that as a separate default on the same batch of money (with added interest).

rizla_king

Only one default is allowed per loan. Defaulting on a repayment plan is not allowed to be added as another default. Complain to get the inaccurate one removed. Take Wonga to the FOS is required if they try to make excuses.

cottage_retreatist

rizla_king wrote: »

Only one default is allowed per loan. Defaulting on a repayment plan is not allowed to be added as another default. Complain to get the inaccurate one removed. Take Wonga to the FOS is required if they try to make excuses.

thanks Rizla King!

I've drafted a letter which I'll send after payday by recorded delivery to wonga to ask for the second default to be removed. OH only has 2 defaults on his credit file (apart from Lowell who insist on keeping the repayment plan as a default) and they are both from Wonga!!!!

I'll give them 28 days to respond and then escalate it to the FOS. Should I write to the credit ref agencies as well? Or wait til Wonga get back?

Thanks for your help!
C-R

fermi

Yep. Only one default should appear if this was just one loan and not another taken out to pay off the first.

With the FOS you have to wait 8 weeks before you can start a formal complaint if the lender does not send a "final response" sooner.

You can however ask the FOS to informally write earlier than that outlining your complaint.

Worth asking them: http://www.financial-ombudsman.org.uk/consumer/complaints.htm

cottage_retreatist

fermi wrote: »

Yep. Only one default should appear if this was just one loan and not another taken out to pay off the first.

With the FOS you have to wait 8 weeks before you can start a formal complaint if the lender does not send a "final response" sooner.

You can however ask the FOS to informally write earlier than that outlining your complaint.

Worth asking them: http://www.financial-ombudsman.org.uk/consumer/complaints.htm

thanks Fermi! I'll drop them an email (FOS) I think!

I'll change my text in my letter I'm mailing to Wonga as well!

Thanks!

I'll keep you updated if something happens!!!

x

fermi

It's a bit random whether they will agree to write. Worth a go though, as a letter from the FOS will make wonga take notice.

Oh and by the way, if anyone from the FOS try to tell your that credit file disputes are not within their remit, that is nonsense. Had a clueless junior member of FOS staff tell someone that rubbish the other day, so thought I would mention it.

Buzby

Firstly it isn't your loan - irrespective of who wears the trousers.

HE will have to ask Wonga to explain the two amounts and defaults.

Only if the answer is unsatisfactory can you then move to the next stage. To be honest, you are hit squarely with just one default, and being given an extra one (if justified or not) in the same timeframe isn't going to make much of a difference.

If he doesn't do the legwork - you cannot, and you will be rightfully ignored as it would be a serious DPA breach if they did.