Loan Fraud - Please Help

smartest_smarty

Thanks for the advice,

This actually happened about 3 years ago.

I don't know if Wonga's rules and the way the operate were different then, but I know my girlfriend isn't lying.

I appreciate the advice, generally I was just seeing if we could get the money back from Wonga.

And if there was a way to block these type of searches in her name?

I don't get why people have said it's not fraud 'if you give your bank details for someone to use'. It is fraud! Because the details were not given for this purpose. If I gave you my passport, and then you try to leave the country pretending to be me, are you going to tell me that's not fraud :T

CHR15

You're not grasping who a victim in fraud is.

If wongas checks allow them to give out loans but not be repaid, wonga are the victim.

If money goes out of my account when it had nothing to do with me, the bank refund me. They are the victims so it is up to them if they choose to go find it.

The problem here is between your gf and the friend she holds so dear to her, she is happy to let it go.

The last post though, comes across as yet another wonga customer coming out from under a rock looking for recompense after borrowing.

poppasmurf_bewdley

I'm sorry but I fail to understand why anyone would hesitate for one moment to report this to the police and to Wonga.

Something isn't quite right here.

boo_star

CHR15 wrote: »

You're not grasping who a victim in fraud is.

If wongas checks allow them to give out loans but not be repaid, wonga are the victim.

If money goes out of my account when it had nothing to do with me, the bank refund me. They are the victims so it is up to them if they choose to go find it.

The problem here is between your gf and the friend she holds so dear to her, she is happy to let it go.

The last post though, comes across as yet another wonga customer coming out from under a rock looking for recompense after borrowing.

Exactly.

I suspect that ultimately Wonga will be the victims of fraud here, not the GF. Unless she doesn't report it, then she has no-one else to blame but herself.

Bantex_2

Would the fried be and ex lover by any chance?

eddddy

smartest_smarty wrote: »

...
I appreciate the advice, generally I was just seeing if we could get the money back from Wonga.
...

In answer to your specific question...

Your GF can explain to Wonga that she didn't take out the loan, but then paid £1000 to Wonga in 'a moment of madness'/'in error' - so now she wants the money back.

The problem is, I doubt Wonga would believe her. And therefore they would probably refuse to giver her back the money.

The next step would typically be the ombudsman. But your GF is not a customer of Wonga, so the ombudsman may not accept a complaint from her. (Although Wonga are claiming she is their customer.)

So your GF would have to claim the £1000 from Wonga through the small claims court.

And again, the court may find it hard to believe your GF's story.


But assuming she does win, Wonga might then report the matter to the Police who would pursue 'the friend'

DCFC79

smartest_smarty wrote: »

Thanks for the advice,

This actually happened about 3 years ago.

I don't know if Wonga's rules and the way the operate were different then, but I know my girlfriend isn't lying.

I appreciate the advice, generally I was just seeing if we could get the money back from Wonga.

And if there was a way to block these type of searches in her name?

I don't get why people have said it's not fraud 'if you give your bank details for someone to use'. It is fraud! Because the details were not given for this purpose. If I gave you my passport, and then you try to leave the country pretending to be me, are you going to tell me that's not fraud :T

Why not report it to the police ?

As i said earlier this comment isn't right "I think she may have used the bank details to withdraw the money. " withdraw the money how ? The friend would need various ID in your girlfriends name to accomplish it.

This comment isnt right either, "What if the money has been paid into an account which was not in her name? Surely Wonga should have that information right? " The repayments are taken from the account the money was paid into.

She didnt do herself any favours by agreeing to repay the loan when she knew it wasn't hers, that would have been the time to have told Wonga and inform the police.

Dobbibill

smartest_smarty wrote: »

Thanks for the advice,

I don't get why people have said it's not fraud 'if you give your bank details for someone to use'. It is fraud! Because the details were not given for this purpose. If I gave you my passport, and then you try to leave the country pretending to be me, are you going to tell me that's not fraud :T

As I understand it, your GF gave her friend her sort code and account number to pay money into the account which was owed. This is not enough information to take out a wonga loan. They require the above information and the long card number which goes with the account including the last 3 digits on the back of the card.
Sorry but I agree with others, something not right here

Hope you get to the bottom of it

DB

27col

eddddy wrote: »

In answer to your specific question...

Your GF can explain to Wonga that she didn't take out the loan, but then paid £1000 to Wonga in 'a moment of madness'/'in error' - so now she wants the money back.

The problem is, I doubt Wonga would believe her. And therefore they would probably refuse to giver her back the money.

The next step would typically be the ombudsman. But your GF is not a customer of Wonga, so the ombudsman may not accept a complaint from her. (Although Wonga are claiming she is their customer.)

So your GF would have to claim the £1000 from Wonga through the small claims court.

And again, the court may find it hard to believe your GF's story.


But assuming she does win, Wonga might then report the matter to the Police who would pursue 'the friend'

I'm afraid that, like others on here. I don't believe her either.
Neither you or any of us are getting the full story here.

[Deleted User]

I'll address your actual concern: Wonga have recently performed a credit check on (almost) everyone who ever had a loan with them as part of their process to refund some borrowers, a Wonga search on a credit file does not mean that someone has tried to take out a loan again. If you are concerned about this, she should contact Wonga and ask if an application has been made in her name -- they will provide any relevant information.