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  • Originally posted by Brusselsprout View Post
    is anybody able to explain the Wonga situation please? I know they have gone into administration, but I am now being chased more than when Wonga were still running! 4 emails received now asking me to do an I&E. I am guessing these are just templates sent to everyone on the system, as they are threatening me with a default -even though i already have one! Do i just keeo ignoring this one? As the company is on the way out, do my chances increase of this one being easy to beat? Just a little unsure as to what to expect now...

    Did you ever make an affordability complaint on this Wonga debt?

    I'm not saying you should, I just thought I'd ask for a bit more background in case things start to get noisy.

    This is the latest information on the situation with Wonga > https://debtcamel.co.uk/wonga-has-st...issuing-loans/

    Di
    Legal Disclaimer

    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. My Direct Line is 0151 254 6986 Our initial advice is always free.

    Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

    Comment


    • Originally posted by Diana Mayhew View Post


      Did you ever make an affordability complaint on this Wonga debt?

      I'm not saying you should, I just thought I'd ask for a bit more background in case things start to get noisy.

      This is the latest information on the situation with Wonga > https://debtcamel.co.uk/wonga-has-st...issuing-loans/

      Di
      Thanks Di for the info.... I haven't made an affordability complaint yet, but they have gone quiet again now. Maybe i will hold off for as long as possible then make a complaint when they start getting more pushy!
      Thanks again Di

      Brussel

      Comment


      • nouncements about complaints

        The administrators said on 11 September:

        the Administrators will assess all complaints during the course of the administration … the Administrators do encourage customers who feel that they are owed some money to contact Wonga… to register their complaint so that the monies that are available to unsecured creditors can be fairly allocated to agreed claimants.

        Did you read the article, Wonga complaints being handled so time you think about it may be too late, ????
        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

        Comment


        • Originally posted by The Tech Clerk View Post
          nouncements about complaints

          The administrators said on 11 September:

          the Administrators will assess all complaints during the course of the administration … the Administrators do encourage customers who feel that they are owed some money to contact Wonga… to register their complaint so that the monies that are available to unsecured creditors can be fairly allocated to agreed claimants.

          Did you read the article, Wonga complaints being handled so time you think about it may be too late, ????
          Thanks Tech Clerk. So should i put a complaint in? The below from Di suggests maybe i shouldn't...? Does it harm the unenforceablity route I am taking?


          Did you ever make an affordability complaint on this Wonga debt?

          I'm not saying you should, I just thought I'd ask for a bit more background in case things start to get noisy.


          Cheers Brussel

          Comment


          • Diana Mayhew your view in response to the article

            The comment she made ask if you have made a complaint ?
            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

            Comment


            • Originally posted by The Tech Clerk View Post
              Diana Mayhew your view in response to the article

              The comment she made ask if you have made a complaint ?
              Yes (And i haven't) but she then says "i am not saying you should" which makes me quesiton whether i should or not....

              If I am going the unenforceable route shouldn't i just stay quiet?

              Thanks Brussel

              Comment


              • well in view I suggest await her response, the article does state complaints will be looked at???
                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                Comment


                • Originally posted by Brusselsprout View Post

                  but she then says "i am not saying you should" which makes me quesiton whether i should or not....

                  If I am going the unenforceable route shouldn't i just stay quiet?

                  Yes, that's exactly what I meant.

                  You should stay quiet if you're going the unenforceable route. Don't do anything which could single you out for attention.

                  I expect the Administrators are sending out emails to try to gauge what money they may be able to recover in order to pay the unsecured creditors which will include those who have already made a complaint and had it upheld so potentially due a refund.

                  I asked the question to see whether you had already made a complaint (awaiting a decision/refund), and your answer is that you haven't.

                  I see no reason for you to respond to those emails.

                  ​​​​​​​Di
                  Legal Disclaimer

                  I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. My Direct Line is 0151 254 6986 Our initial advice is always free.

                  Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                  Comment


                  • Originally posted by Diana Mayhew View Post


                    Yes, that's exactly what I meant.

                    You should stay quiet if you're going the unenforceable route. Don't do anything which could single you out for attention.

                    I expect the Administrators are sending out emails to try to gauge what money they may be able to recover in order to pay the unsecured creditors which will include those who have already made a complaint and had it upheld so potentially due a refund.

                    I asked the question to see whether you had already made a complaint (awaiting a decision/refund), and your answer is that you haven't.

                    I see no reason for you to respond to those emails.

                    ​​​​​​​Di
                    Thanks Di

                    Great help and advice as usual I shall stay quiet...

                    Comment


                    • Hi all

                      I am back in the payday loan trap, and have decided today to take action... No longer can i pay ridiculous amounts each month to satisfy the bloodsuckers! I have cancelled my CPA to Sunny today, and will do the same to On stride Financial. I will offer them a small amount each month..as I am already fighting 8 creditors, so i cannot take anymore on! Maybe I am being blind but is there anything on the site here regarding Unaffordable lending..? templates etc... Will they freeze interest...? anyone had any experience on payday loans?


                      Thanks
                      Brussel

                      Comment


                      • Originally posted by Brusselsprout View Post
                        Re: Let the fun commence - 6 year journey starts here!

                        DEBT #8

                        Type of account: Wonga PDL
                        Date commenced: November 2015
                        Approx balance: £340
                        Date last paid: last Full payment made via DMP in January 2017. Reduced payment in February. Missed payment in March.
                        Are you on arrangement or not paying: Currently not paying
                        Status Account: defaulted April 2016
                        Account owner : Wonga
                        CCA received: Not yet requested.

                        Nothing sent to Wonga yet. Any suggestions as to what to do with these guys?

                        27th November 2017: Wonga send annual statement via email. Nothing else,no 'why are you not paying?' etc...

                        2019

                        9th January 2019: Wonga have woken up. An email advising me that my account is on 38 day hold, and to complete an I&E form.
                        18th January 2019: Another email from Wonga asking me to fill in my I&E form
                        16th Feb 2019: Another email from Wonga saying collections activities have resumed on my account, and to take this very serious matter seriously etc...
                        26th April 2019: Email from Wonga/administrators saying i could make a claim, and to get my claim in to them. Ignored.
                        2nd May 2019: Email from administrators saying that i need to get my claim in and that they will have another 12 months to assess claims, and recoup monies.
                        13th May 2019: Income and expenditure form sent again! my 36 days of account hold are over.
                        16th May 2019: Email saying "we have resumed collection activities on your account..."
                        18th October 2019: Email from administrators offering me a significant discount to close the account - £80.
                        Hi all

                        Hope we are all well...

                        Just a quick one on Wonga. I have just been offered what seems a generous discount, but does anyone know what the plans are with the unpaid debts? or what would they likely do.. sell to debt collectors, legal action, etc...? I am tempted to get rid of this one at that price... to save any aggro later. I already have too many potential fronts to fight Thoughts?

                        Thanks
                        Brussel

                        Comment


                        • I have no Idea on PDL's sorry, didn't want to read and run.
                          at the end of the day what you want to do is up to you, go with the flow as it were,if it seems better for you.

                          NW
                          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                          Comment


                          • Originally posted by nightwatch View Post
                            I have no Idea on PDL's sorry, didn't want to read and run.
                            at the end of the day what you want to do is up to you, go with the flow as it were,if it seems better for you.

                            NW
                            Thanks Nightwatch

                            I think i may as well just pay it unless anyone comes back with any other info.

                            Comment


                            • Originally posted by Brusselsprout View Post
                              Just a quick one on Wonga. I have just been offered what seems a generous discount, but does anyone know what the plans are with the unpaid debts? or what would they likely do.. sell to debt collectors, legal action, etc...? I am tempted to get rid of this one at that price.

                              Read this link to see if it helps > https://debtcamel.co.uk/wonga-settlement-offer/

                              Di
                              Legal Disclaimer

                              I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. My Direct Line is 0151 254 6986 Our initial advice is always free.

                              Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                              Comment


                              • Originally posted by Diana Mayhew View Post


                                Read this link to see if it helps > https://debtcamel.co.uk/wonga-settlement-offer/

                                Di
                                Thanks Di, that is an interesting read... and if they are not selling to debt collectors there isn't much more than can do.I will hold off paying for the time being...

                                Thanks

                                Comment

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