We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Wongas debt write-off- defualt removal?
samnymr
Posts: 8 Forumite
Hi there
I had a loan back in 2013 which being honest i wouldn't pay back, And knew it... Wongas write-off came and helped me out majorly!
I've just checked my credit file and i can see i have a year and a half worth of defaults. (bet you know my score is low)
From what i've read shouldn't they have removed all history of loans from before 2014?
Sam
I had a loan back in 2013 which being honest i wouldn't pay back, And knew it... Wongas write-off came and helped me out majorly!
I've just checked my credit file and i can see i have a year and a half worth of defaults. (bet you know my score is low)
From what i've read shouldn't they have removed all history of loans from before 2014?
Sam
0
Comments
-
I believe that was a part of there redress program yes.
You should write to wonga and find out why it hasn't been done, then insist they do remove it from your records.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
I'll get right on it! Hopefully removing all these defaults should make a huge improvement on my report. I hope anyways! haha! Still got some things on there that i'm not proud of
0 -
Hi Samnymr,
I think you could write to Wonga and ask them to remove the recurring default from your file, if you were one of the customers who had their balances written off through the 2014 redress scheme. If they refuse then you could escalate the matter to the Information Commissioner.
Any default pre-dating the redress may not be as straight forward. I have checked the FCA information regarding this and they don't seem to specify the necessary action in relation to credit files - only the action for the balances - so this may be more discretionary than a certainty. I think it is worth a complaint though because if the loan was written then how can they justify a recurring a default? Good Luck
Laura
@natdebtlineWe work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps0 -
Just to keep people updated, for whoever reads this. Wonga haven't contacted me back at all. Being absolute nightmares about it i've had to go to the ombudsman for support.
Thanks
Sam0 -
Just to keep people updated, for whoever reads this. Wonga haven't contacted me back at all. Being absolute nightmares about it i've had to go to the ombudsman for support.
Thanks
Sam
they have 8 weeks to issue a response, Call them, message them via twitter... as well i got a response that way0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.3K Banking & Borrowing
- 253.6K Reduce Debt & Boost Income
- 454.3K Spending & Discounts
- 245.3K Work, Benefits & Business
- 601.1K Mortgages, Homes & Bills
- 177.6K Life & Family
- 259.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards