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Wonga Credit File

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Hi, 


I have searched but have been unable to find the relevant information if anyone can direct me to the right thread feel free to close this one. 


Basically I had a loan with Wonga which as far as I knew was mis sold. I received a payment for this February 2020, after checking my credit report this morning I can see in July 2019 I defaulted with Wonga. I thought these loans would be wiped off your credit file? Anyway obviously their is no way to contact anyone at Wonga now, what is the best thing to do? This is the only negative thing on my report and I’d like it gone if it’s possible. 


Thanks

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Comments

  • D3xt3r5L4b
    D3xt3r5L4b Posts: 1,852 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    What makes you believe it was mid-sold?
  • m-holland
    m-holland Posts: 223 Forumite
    Eighth Anniversary 100 Posts Name Dropper
    From the Wonga FAQ:

    If my claim is agreed, will you remove the loans from my credit file?

    Yes, it is our intention to, albeit given the number of claims we have received, this may take a number of months after you have received your assessment.


  • TJB91
    TJB91 Posts: 5 Forumite
    First Post
    edited 19 April 2020 at 11:28AM
    The fact they paid me compensation with thousands of other people. 
  • D3xt3r5L4b
    D3xt3r5L4b Posts: 1,852 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    I don’t understand.
    If you applied for the loan off your own accord then that’s not “mis-selling”.
    That was your own choice/decision. 
  • sourcrates
    sourcrates Posts: 31,516 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    edited 19 April 2020 at 11:41AM
    Ok, things have moved on, it was not mis-selling, it was unafordable lending, Wonga took a gamble, it didn`t work for them.

    If they have agreed to remove credit file information, which is the case if you have recieved compensation from them directly, or through the recent repayment scheme, and this has yet to be actioned, give it some time.

    If after another 3 months nothing has changed, then make a complaint to the ICO, they deal with all issues regarding credit file informaton.
    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-letter
  • TJB91
    TJB91 Posts: 5 Forumite
    First Post
    I don’t understand.
    If you applied for the loan off your own accord then that’s not “mis-selling”.
    That was your own choice/decision. 
    Don’t worry about that, I’m not here for a lecture off you, if you can’t help with the question just scroll past the thread. 
  • TJB91
    TJB91 Posts: 5 Forumite
    First Post
    Ok, things have moved on, it was not mis-selling, it was unafordable lending, Wonga took a gamble, it didn`t work for them.

    If they have agreed to remove credit file information, which is the case if you have recieved compensation from them directly, or through the recent repayment scheme, and this has yet to be actioned, give it some time.

    If after another 3 months nothing has changed, then make a complaint to the ICO, they deal with all issues regarding credit file informaton.
    m-holland said:
    From the Wonga FAQ:

    If my claim is agreed, will you remove the loans from my credit file?

    Yes, it is our intention to, albeit given the number of claims we have received, this may take a number of months after you have received your assessment.


    Thank you, I will give it a couple of months. Was compensated in February 2020 so still within 3 month timeframe. 
  • D3xt3r5L4b
    D3xt3r5L4b Posts: 1,852 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    I bought a TV last year and now it’s £300 cheaper. 
    I feel mis-sold - can I have the difference back please?
    :neutral:
  • TJB91
    TJB91 Posts: 5 Forumite
    First Post
    I bought a TV last year and now it’s £300 cheaper. 
    I feel mis-sold - can I have the difference back please?
    :neutral:
    Take it back, say that their is something up with it. You’ll probably get credit to use in store if John Lewis/Currys. Buy a better TV. 
  • D3xt3r5L4b
    D3xt3r5L4b Posts: 1,852 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    TJB91 said:
    I bought a TV last year and now it’s £300 cheaper. 
    I feel mis-sold - can I have the difference back please?
    :neutral:
    Take it back, say that their is something up with it. You’ll probably get credit to use in store if John Lewis/Currys. Buy a better TV. 
     Nah. 
    I’d rather get on with life than think I’m owed something when I’m actually due nothing. 
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