Let the fun commence - 6 year journey starts here!

[Brusselsprout]

Hey everyone... hope everyone is well I am 5 years into my journey, and currently all quite quiet... which is good. I have noticed that my 2 Link accounts (2 of my biggest) have disappeared from my credit report! I thought it was 6 years from default was when they dropped off the report. It has only been 5.... Would there be any other reason why they would drop off before that?? Should i care?!

Thanks for your feedback.
Brussel

[Brusselsprout]

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

[Joanna Connolly Solicitors]

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

[Brusselsprout]

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.

[nightwatch]

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

[Brusselsprout]

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

[Brusselsprout]

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

[Brusselsprout]

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...

[Joanna Connolly Solicitors]

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

[The Tech Clerk]

well in view I suggest await her response, the article does state complaints will be looked at???

[Brusselsprout]

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

[The Tech Clerk]

Diana Mayhew your view in response to the article

The comment she made ask if you have made a complaint ?

[Brusselsprout]

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

[The Tech Clerk]

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, ????

[Brusselsprout]

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