payment took when told not to ( wonga )

BillJones

douglas80 wrote: »

sorry i should have mentioned i forgot to add once the finance team check this out on monday morning it can take 3 working days for me to get the refund thats what im mean 30.00 aint gonna last a family of 5 for long

It's more than enough as long as you are sensible about what you eat, so there's no need to panic.

Wonga have probably done you a favour here, taking what you owe them instead of racking up extra charges and then still taking what you owe them. Make do for a few days with cheap food, and make sure not to get yourself into this situation again.

poppasmurf_bewdley

I've been in the situation where I hadn't a penny to my name and had a family of four to feed (not five like the OP).

£30 would have seemed like a small fortune to me then! I could now make £30 feed a family for a week. Admittedly there would be no rump steak or smoked salmon but I could do it.

matttye

Make a complaint.

Regulation 55 of the Payment Services Regulations 2009 allows you to withdraw your consent to a payment transaction and Wonga have clearly disregarded your instructions.

BMN

matttye wrote: »

Make a complaint.

Regulation 55 of the Payment Services Regulations 2009 allows you to withdraw your consent to a payment transaction and Wonga have clearly disregarded your instructions.

The Payment Services Regulations allow you to withdraw your consent to a payment from your bank account. This applies to your bank - not the company taking the money.

If you don't wish for Wonga to take any more money from your bank account you need to tell your bank that you wish to cancel any CPAs with that company and also that you withdraw your consent to any payments to that company (I would put his in writing). The payments to the company may actually still be made but your bank does have to refund the payments.

Keep in mind that you even if you do put a stop payments you will still be liable for any debts with Wonga.

matttye

BMN wrote: »

The Payment Services Regulations allow you to withdraw your consent to a payment from your bank account. This applies to your bank - not the company taking the money.

If you don't wish for Wonga to take any more money from your bank account you need to tell your bank that you wish to cancel any CPAs with that company and also that you withdraw your consent to any payments to that company (I would put his in writing). The payments to the company may actually still be made but your bank does have to refund the payments.

Keep in mind that you even if you do put a stop payments you will still be liable for any debts with Wonga.

Admittedly I haven't read the whole act but I can't see anywhere where it says you have to contact your bank to withdraw consent.

I do think contacting the bank is by far the more sensible course of action though.

BMN

matttye wrote: »

Admittedly I haven't read the whole act but I can't see anywhere where it says you have to contact your bank to withdraw consent.

I do think contacting the bank is by far the more sensible course of action though.

It's difficult to explain but it comes down to the terms described in section 2.

It's best to contact both the bank and also the company involved though.