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WONGA REFUNDS DUE

£0.00 @
Hi all this is just a help post for all those that have had Wonga or similar loans in the past. In case you have been living under a rock you may not be aware that wonga has been approving loans whi… Read More
barrel24 Avatar
1w, 11h agoPosted 1 week, 11 hours ago
Hi all this is just a help post for all those that have had Wonga or similar loans in the past.

In case you have been living under a rock you may not be aware that wonga has been approving loans which were unaffordable.

DO NOT CONTACT COMPANIES OFFERING TO HELP WITH THIS

All you need to do is send a couple of emails and the refund will be issued to you

1. Send the email in post 1 to [email protected] (the reply may take 8 weeks, mine was 3 weeks)

2. Send the email in post 2 to the same address amending it to reflect your circumstances and deleting the help quotes.

You should receive a response fairly quickly this will detail your refund if any plus 8% statutory interest.

3. If your happy with the refund amount reply to the email as detailed in the email.

4. If not happy refer your case to the financial ombudsman at

The Financial Ombudsman Service

Exchange Tower

London

E14 9SR

Telephone: 0300 123 9123

Email: [email protected]

Website: http://financial-ombudsman.org.uk

Enjoy your refund

Note if you have previously had a loan written off then this will be taken as part settlement.

I calculated I was owed £2000 I had £1300 previously written off and was awarded £700 plus interest.

Hope this helps somebody

Thanks to debtcamel.co.uk for the templates

See here for other loan company contact details

https://debtcamel.co.uk/payday-lender-email-addresses/

My Timeline

04/04/17 - sent email 1
12/04/17 - received automated reply
02/05/17 - received further reply stating more time needed
11/05/17 - received statement of account
14/05/17 - sent email 2
15/05/17 - received offer
15/05/17 - accepted offer
17/05/17 - refund received in bank
barrel24 Avatar
1w, 11h agoPosted 1 week, 11 hours ago
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Top Comments

(3)
12 Likes
Anyone who takes out a Wonga type loan with over a 1000 per cent type interest needs their head examining not a refund.
9 Likes
bobbyarbogast
Typical, blame the company and take no personal responsibility for not being able to manage your own finances. Parasite.


What a vile little man you are.
6 Likes
bobbyarbogast
Typical, blame the company and take no personal responsibility for not being able to manage your own finances. Parasite.

Wow.. parasite!? But harsh don't you think? Don't think there's any need for that :(

All Comments

(91) Jump to unreadPost a comment
Comments/page:
Page:
#1
Email 1

I am making a complaint to you about irresponsible lending. To help me explain the details, I would like a list of my loans, showing when they were taken out and how much was repaid when. Please note that I am asking for a Statement of my Account with you, not making a Subject Access Request



Edited By: barrel24 on May 15, 2017 18:00: .
#2
Email 2

I have had x loans from you between date and date. [if you don’t have a full list say “You haven’t yet sent me the list of my loans, but I borrowed a lot from you in 2013 and 2014, or something like that”]
I have been borrowing more often and the amounts tended to go up. Your loans trapped me into a debt spiral, with the repayment taking so much of my wages that I had to borrow again to cover my next month’s living costs.

For this period my income averaged about £x a month.

[If you have a family, add some details eg We have two small children, both in nappies for much of this period. We had child benefit and credits which averaged about £x a month.]

My living expenses were roughly: rent/mortgage £x. Council tax £x. Utilities and bills £x. Transport costs £x. Clothes £x. Food, toiletries, nappies £x. Child expenses £x Other debt repayments £x. Total £x per month. This shows that there was no way I could afford these loans. When I repaid them, I had to borrow again to get through the next month.

[“Bills” includes gas, electric, water, TV, broadband, phone, insurance costs. Put all car and commuting costs under “transport costs”.]

You should have realised from the number of times I rolled loans or borrowed again that my loans that my debt problems were getting worse and it was not responsible to continue to lend to me. [Add more details about how often you borrowed or rolled loans, how the amount went up etc]

[Include/change this if your credit record would have shown big problems: My credit reports would have showed my other debt repayments and problems including late payments / defaults / CCJs / debt management.]

You should never have given me these unaffordable loans. I would like to ask you to refund the interest and extra charges I paid. The Financial Ombudsman suggests that statutory interest is added to this sort of refund.

[Include this if some of your loans are over 6 years old: I only found out I could make this sort of irresponsible lending complaint in month/year. I understand the Financial Ombudsman will consider all my loans, including those that are more than 6 years old.]

Edited By: barrel24 on May 15, 2017 10:33
#3
How much do you get back? Do you get compensation or just the apr they charged you?
#4
KM4353
How much do you get back? Do you get compensation or just the apr they charged you?

I got £795.86 which is fees and interest for loans prior to Nov 2014 plus 8% statutory interest.

Edited By: barrel24 on May 15, 2017 18:24: .
#5
Bad wife
Soz :(
1 Like #6
dingle_Dang
So if they wrote my loan off is this still worth doing?

The wrote mine off but they still paid nearly £800 extra for loans prior to the one they wrote off. It would be worth sending the first email and getting a statement of account and working it out from there. Even so it's worth trying as it costs nothing either way.

Edited By: barrel24 on May 15, 2017 11:57
6 Likes #7
bobbyarbogast
Typical, blame the company and take no personal responsibility for not being able to manage your own finances. Parasite.

Wow.. parasite!? But harsh don't you think? Don't think there's any need for that :(
12 Likes #8
Anyone who takes out a Wonga type loan with over a 1000 per cent type interest needs their head examining not a refund.
3 Likes #9
Oh, the shame of it all.
1 Like #10
bobbyarbogast
barrel24
KM4353
How much do you get back? Do you get compensation or just the apr they charged you?
I got £795.86 which is fees and interest for loans prior to Nov 2014 plus 8% statutory interest. Nice little earner for very little work.
Typical, blame the company and take no personal responsibility for not being able to manage your own finances. Parasite.

Aren't you being a bit.. narrow minded?

He's clearly taking advantage of the fact that you can get a bit of money back from them, by pointing the finger of course.. but that doesn't mean he's a parasite?

Is Wonga funded by the public? :S
1 Like #11
Proveright
Anyone who takes out a Wonga type loan with over a 1000 per cent type interest needs their head examining not a refund.


Sometimes it is the only option which is exactly what the loans are designed for. Yes it may be 000% Apr however it doesn't get to that amount as it is monthly. Tbh they are quite reasonable if you look at a monthly basis of e.g. Borrow £100 pay £115 after a month
4 Likes #12
To be fair I don't feel sorry for Wonga at all as they are parasites themselves, preying on the needy/stupid/desperate (select your own on your political and social view).....

Its a nice brucie bonus for those that have been needy/stupid/desperate enough... I hope that it helps them get more stable and not need to resort dancing with the devil again...

Wonga and the like are clearly the devil.
9 Likes #13
bobbyarbogast
Typical, blame the company and take no personal responsibility for not being able to manage your own finances. Parasite.


What a vile little man you are.
#14
So when I had loans from them I was self-employed and it was quite a few years back so can't remember what I was earning, the last loan was wiped off by them,is there any way I can do this?
#15
Sweetsteel767
So when I had loans from them I was self-employed and it was quite a few years back so can't remember what I was earning, the last loan was wiped off by them,is there any way I can do this?


You can give it a try. You don't need to prove your earnings just guess the amount although that isn't until the second email
1 Like #16
thanks for this, my son had one debt written off by them in 2014 IIRC. Looking back he had about five off them and they knew full well he couldnt afford to repay as did all the others he borrowed off. Apparently they dont do credit checks because if they did like most banks do he wouldnt have got a loan off them. He is in serious debt now due to mental, gambling & drug issues and I'm dreading the day bailiffs come a knocking as we both have the same name so hopefully if they do refund that will go towards his other debts.
1 Like #17
caverncity
thanks for this, my son had one debt written off by them in 2014 IIRC. Looking back he had about five off them and they knew full well he couldnt afford to repay as did all the others he borrowed off. Apparently they dont do credit checks because if they did like most banks do he wouldnt have got a loan off them. He is in serious debt now due to mental, gambling & drug issues and I'm dreading the day bailiffs come a knocking as we both have the same name so hopefully if they do refund that will go towards his other debts.


No problem it's worth a try at least.
#18
Can this be used for other companies like quickquid?
1 Like #19
cockyhammer
Can this be used for other companies like quickquid?


I don't see why not I have messaged a couple of companies but they haven't replied yet.
#20
Should I leave Name and address in first email? And do I wait until I have received a reply from first email to send the second? Sorry for questions
#21
Emycurrie78
Should I leave Name and address in first email? And do I wait until I have received a reply from first email to send the second? Sorry for questions


You can put your name and address in there however if emailing from same email account shouldn't be a problem. Then wait until you have received your statement of account then fill in and send second email.
#22
Hi! What details do you need to put in the initial email? Also I had serveral loans from these years ago but seem to remember not paying the last one and they never chased me up on it. Did other people find this? Worried incase they email back saying I owe them, ha! Also as for people sending criticism to someone trying to help people... think you need to take a serious look at yourself!
#23
kelly18
Hi! What details do you need to put in the initial email? Also I had serveral loans from these years ago but seem to remember not paying the last one and they never chased me up on it. Did other people find this? Worried incase they email back saying I owe them, ha! Also as for people sending criticism to someone trying to help people... think you need to take a serious look at yourself!


Just copy and past the first post
#24
How long did it take to get a response to your second email? I haven't had to send the first one as I still had all my records saved so I've just sent the second one with all the information in it
#25
jax619
bobbyarbogast
Typical, blame the company and take no personal responsibility for not being able to manage your own finances. Parasite.
What a vile little man you are.
Agreed.
#26
sparklygem
How long did it take to get a response to your second email? I haven't had to send the first one as I still had all my records saved so I've just sent the second one with all the information in it


I sent my second letter at 10 last night they replied with an offer at 8 this morning. It may take a little longer for them to calculate yours as with mine they were forewarned by the first email. However I may be wrong and it may be quick. Once you have accepted the offer then it's 24hrs processing time then 3-5 days for the refund to be in your bank.
#27
Is this impacted by the letters they sent out previously where everyone received compensation when they sent out letters pretending to be a 3rd party debt collector?
#28
I've sent the first email off, do wonga send an email back acknowledging that they've received it?!
#29
rockys3_uk
I've sent the first email off, do wonga send an email back acknowledging that they've received it?!


Yeh they will send one back then it's a wait if up to 8 weeks for your statement. Then send second email and offer should be pretty soon after.
#30
browne81
Is this impacted by the letters they sent out previously where everyone received compensation when they sent out letters pretending to be a 3rd party debt collector?


I don't know I'm afraid as I didn't receive a letter regarding that. This is just for unaffordability
#31
What other details do you need provide with first email in order to get the statement from them?
#32
jt1939
What other details do you need provide with first email in order to get the statement from them?


Nothing if it is from the same email as the account.
1 Like #33
I've had loads of loans from wonga, all paid off in full but some were paid late. I'm interested in doing this but I put down on my wonga account that my earnings are £1600 a month and I have very little outgoing payments. This was of course a lie so I could get the loan, I didn't want to be rejected as I needed the money.my question is how can I tell them they have been lending irresponsibly to me, when to them it looks like I can afford these loans. I lied about my earnings so it's my fault. How can I say I couldn't afford it?
#34
Loulos
I've had loads of loans from wonga, all paid off in full but some were paid late. I'm interested in doing this but I put down on my wonga account that my earnings are £1600 a month and I have very little outgoing payments. This was of course a lie so I could get the loan, I didn't want to be rejected as I needed the money.my question is how can I tell them they have been lending irresponsibly to me, when to them it looks like I can afford these loans. I lied about my earnings so it's my fault. How can I say I couldn't afford it?


I was in the same situation they didn't even question my outgoings and what I put on my application. The point isn't you saying you could afford it. It is the fact wonga didn't do stringent enough checks I.e credit checks etc to assess your affordability. Also they should have realised you were in difficulty by the number of loans you took / rolled over etc regardless of what you put in your application. Tbh it's worth a try. If you feel they were unaffordable then see what they say if they say no let the ombudsman decide you may be plesently surprised. On another website some people got refunds of up to £10k through the ombudsman despite only been offered £500 by wonga. That's why you get the statement of your account first to see how much you paid in fees and interest.
#35
I got a loan from them about 4 years ago, I was about to start paying it off when they said I no longer had to, i assume i would be entitled to squat.
#36
DemonFreak123
I got a loan from them about 4 years ago, I was about to start paying it off when they said I no longer had to, i assume i would be entitled to squat.


It depends. If this was the only loan then no however if you had numerous loans before hand where the total of the interest and fees is more than the amount written off then yes. If your not sure how much you paid etc just send the first letter and have a look at your statement of account.
1 Like #37
Thanks just sent the first email, had numerous loans with them hope to get something back.
#38
Hi I just got the things saved so I need to add my address and previous address it's been over 5 yrs since I had a wonga loan altho I never heard from them and they didn't take payments for it after a short while
#39
Thanks for this..do you need reference numbers?
#40
scottieboi
Thanks for this..do you need reference numbers?


No you shouldn't do really. Literally send what's in the first post then use the information they send you to populate the email in post 2.

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