Payday loans... Ringing your work?

Emilymay479

I applied for payday loans this evening (wonga, sunny, lending stream, quick quid) I applied for a few because I knew I'd get rejected, I turned off a few of them because they wanted my work phone number, which I didn't want to give them, however I did put my details into some of them, I have since been approved for lending stream, quick quid and wonga, who I entered my phone details into, I haven't accepted the loans because I've borrowed the money off my dad, however I'm now scared they're going to ring my work and ask if I still want the loan, I'm not friendly with my boss so the thought of them ringing and asking for me is horrid! Will they contact my work if I haven't accepted the loan, they've texted me a couple of times which I don't care but the thought of them contacting my work is horrifying, so question is will they contact my work if I haven't accepted the loan? Thanks in advance

eightiesneo

I can't say for sure in your case, however I have had loans previously with Wonga, quickquid, paydayuk, and lending stream and never received a call at my work, even when I got into trouble and couldn't pay.

jonesMUFCforever

If you do not owe them anything I think it unlikely that they will contact your employer.
Good on you for not going through with it just remember to repay your dad though.

[Deleted User]

Oh well, these aren't your traditional 1 month loan lenders you do know that OP, just couldn't resist clearing that up, they have a different business model for the avoidance of doubt which is far 'less fierce' and an 'adult to adult' conversation all that is needed if they call. Although I found it's customer's prerogative and onus with Sunny loans for applicant to give a works phone number ; ) or least it was.


Payday loans should be treated like when you need nappies from the state, not how many applications can I make.

LondonGal

I'm just glad you got the money elsewhere and didn't get caught in the PDL cycle. Please try NEVER to apply for one again.

As for phoning your work - why would they? The DPA states they should only keep your information for as long as is necessary. As you haven't put in an application, that shouldn't be very long.

Di_B

Usually that sort of thing is there in case you don't repay, don't answer home calls and don't answer emails/postal mail.

They know if they call your work phone, you will have to answer, be embarrassed and offer to pay to ge them off the line.

Never had a PDL but I know Welcome finance did this to me many years ago. It worked!

Don't go down that route unless it is a one-off and you can guarantee you can pay it back in time. Really not worth it. :-)

FireWyrm

Why on earth would you give them your work number in the first place. Just because they ask an impertinent question doesnt mean you have to answer it. Stop handing out private information to people on the internet and you wont have to worry about it. Use a PAYG sim for this sort of stuff and a disposable email address.

SuperFrank

Lending Stream & Mr Lender both contacted my work several times even after I told them not too....

LondonGal

SuperFrank wrote: »

Lending Stream & Mr Lender both contacted my work several times even after I told them not too....

...... and did you do anything as a result of them doing so?

Nebulous2

I worked in an office which was the admin base for several hundred people, dispersed over a wide area. We got occasional phonecalls asking to speak to people and when we said they were not there they would ask for contact details. We had a policy not to give out these.

Most of these calls were civil and reasonably discreet. They would often leave a number and ask us to get the person to call them. We assumed most of these calls were people chasing for money in one way or another.

There were at least 3 occasions when the calls went much further than that, gave us details of debt and were quite aggressive. One credit card company took to phoning every day and demanding to speak to the same person. I eventually wrote a letter of complaint pointing out; the person does not work in this office, we cannot give any personal information, including contact details and whether or not the person works for us. We have said that repeatedly and consider the repeated phonecalls as harrassment.

Eventually I got an apology and the calls stopped. The letter said they couldn't remove our number from their database and they reserved the right call back in the future if they needed to.

So that's a long post, but basically there is a line that most creditors do not cross when calling work numbers, but very occasionally some do.