Wonga Credit File

TJB91

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

D3xt3r5L4b

What makes you believe it was mid-sold?

m-holland

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

The fact they paid me compensation with thousands of other people. 

D3xt3r5L4b

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

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.

TJB91

D3xt3r5L4b said:

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

sourcrates said:

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

I bought a TV last year and now it’s £300 cheaper. 

I feel mis-sold - can I have the difference back please?

TJB91

D3xt3r5L4b said:

I bought a TV last year and now it’s £300 cheaper. 

I feel mis-sold - can I have the difference back please?

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

TJB91 said:

D3xt3r5L4b said:

I bought a TV last year and now it’s £300 cheaper. 

I feel mis-sold - can I have the difference back please?

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.