Let the fun commence - 6 year journey starts here!

[Joanna Connolly Solicitors]

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

[Brusselsprout]

Hi Brussel
I would wait and see what comes next, they could, as you say, be sending to everyone on their client list, in the hope someone will pay up.

NW xxx

Thanks Nightwatch... that's what I am thinking I'll just wait to see what's next. Thanks.

[nightwatch]

Hi Brussel
I would wait and see what comes next, they could, as you say, be sending to everyone on their client list, in the hope someone will pay up.

NW xxx

[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...

Hi all

Hope everyone is good

Just a quicky... 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...

Thanks
Brussel

[The Tech Clerk]

there is a very minor chance - but not come across such as jet i.e. you are only 1 person in hundreds of thousands they are chasing no doubt, so most office stuff is computer generated these days etc etc, there is always a chance buts odds are aginst this happeneing>

i.e. crossing the road chances are you get the otherside if you get my drift nothing in this life etc is 100% - most people overthink (I was one)

[Brusselsprout]

if they want to pursue you they will regardless, there is chance they will not but how long is a piece of string?

Quote-t This was the advice given to you by Jo the solicitor- up to you but the next move is yours, unless you let them get away with it? they could if they wanted to buy back the alleged debt and credit account that way, any left owing could be sold off again for Tax purposes>????

Thanks Tech clerk for the advice.

I thought we had to stay under the radar, and not put ourselves in a position where we admit liability etc...surely going to Barclaycard (as much as i want to) would be admission, and i assume they have a direct line to Link, so IF i were to go to court, something like 'me contacting Barclaycard to get the refund' could come up, and surely put me in a worse position? I did see the advice from Jo saying to kindly send a letter to Barclays rejecting the offer, but there wasn't any info on whether this would affect me in the long run! sorry to waffle on!

Thanks

Brussel

[The Tech Clerk]

if they want to pursue you they will regardless, there is chance they will not but how long is a piece of string?

Quote-t This was the advice given to you by Jo the solicitor- up to you but the next move is yours, unless you let them get away with it? they could if they wanted to buy back the alledged debt and credit account that way, any left owing could be sold off again for Tax purposes>????

[Strepsi]

I am interested in this, as I have received letters like this recently. Worried like you Brussel that if I were to contact then I would be contacting them and staying off radar.

[The Tech Clerk]

If the debt has been assigned then Barclaycard should refund you direct as they no longer own the debt. Respond to them and reject their kind offer to pay PRA instead..

this was the advice given to you by Jo the solicitor

[Brusselsprout]

never give into banks etc they are the bad guys with charges and schemes which border criminality, get that letter off to Barclays, sure Di can conjure one up for you?

Thanks Tech Clerk... I am all for taking on the banks and sending a letter, but i don't want to if it will be detrimental to me in the long run I guess the question is: could the fact i send a letter to barclays asking to send the refund to me, be used against me by Link as admission of a debt? Would there be any template letters for this kind of thing?

Thanks
Brussel

[The Tech Clerk]

never give into banks etc they are the bad guys with charges and schemes which border criminality, get that letter off to Barclays, sure Di can conjure one up for you?

[Brusselsprout]

This is what Jo posted on another thread when Barclaycard attempted to do the same thing >




Di

Thanks Di...i think i will send a letter to Barclaycard about this! Do i need to be careful in my wording though? as i don't want to be admitting liability here do i? Would it be best just to admit defeat on this one, and forget about it?
Thanks
Brussel

[Joanna Connolly Solicitors]

just find it cheeky that Barclaycard - who have sold my debt - can contact Link and tell them to reduce the balance!! I guess they save money that way, but doesn't seem right to me!

This is what Jo posted on another thread when Barclaycard attempted to do the same thing >

If the debt has been assigned then Barclaycard should refund you direct as they no longer own the debt. Respond to them and reject their kind offer to pay PRA instead......

Di

[Brusselsprout]

Hiya, does sound like they will find it hard to comply with your CCA request,

My nationwide account has been passed / sold to Cabot, but as I have a letter from Nationwide saying they have sent everything they have about the account. Cabot are going to be a little dissapointed in thinking they are getting anything but a headache from me.

they sent a signed application flyer, 2 signed Direct debit mandates, and a recent T&C leaflet, no T&C from when it was taken out,
they farmed it out but then took it back in 2015. heard nothing since then. till the letter saying they had passed it to cabot,
let battle commence.

NW x

Thanks Nightwatch...i just find it remarkable that they are not sure how it was taken out! do they store nothing on their systems?!

anyhow, lets hope they come back with nothing

Thanks
Brussel

[nightwatch]

Hi guys

Sorry just another quick one...

I received a letter from Moorcroft stating that they have been in touch again with Nationwide regarding my CCA request, and that Nationwide cannot find the application form, but believe it was opened online but cannot be sure!! This AMAZED me really, as how can they not be sure how it was opened as it was opened in 2012! Surely they must know! Anyhow, is it safe to assume that after this letter that they dont have a chance of finding any CCA, reconstituted or otherwise?!

Cheers again
Brussel

Hiya, does sound like they will find it hard to comply with your CCA request,

My nationwide account has been passed / sold to Cabot, but as I have a letter from Nationwide saying they have sent everything they have about the account. Cabot are going to be a little dissapointed in thinking they are getting anything but a headache from me.

they sent a signed application flyer, 2 signed Direct debit mandates, and a recent T&C leaflet, no T&C from when it was taken out,
they farmed it out but then took it back in 2015. heard nothing since then. till the letter saying they had passed it to cabot,
let battle commence.

NW x