Odd Wonga Situation - Potential win

denby said:
im not really going to get into detail about why i have used Wonga, however there are a few other people in the world that use wonga besides myself that's why they are worth 100m or more, and APR doesn't really mean anything on a short term loan as APR is an annual charge

unfortunately GF doesn't have access to her account some **** about not having a pin so they will not speak to her...guess ill just have to get a statement tonight and check the balance

regarding not having the money in there on the day, i was going to pay the whole balance from my GF account today as its fine as long as you pay on the day
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two wongs don't make a right :confused:
















:p
 
surely they weren't able to take the full amount, and as such, charged less until they got something? Doesn't explain why they said it was fully paid but if they are having tech difficulties, they'll not likely forget

Useful Wonga link

edit: the above practice does seem a little dodgy though in my opinion!

edit2: unless they don't class you as being behind until the next working day, if as you say, they allow you to pay it off today at any point
 
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Go on then OP. How much did you borrow, how long have you had it, and how much do you now owe them.
 
It might be worth contacting Wonga to make sure they arnt going to wang a huge amount of interest on top of what they try to take next time.
 
Jano said:
Sorry, this is nonsense. If she can prove who she is, she has access to her account. No bank would refuse to speak to her because she doesn't remember a pin number.
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Actually, Halifax refuse to help if you don't have your telephone security number to hand. I have encountered this issue even though I could tell them just about everything else relating to my account.
 
HumanShield said:
surely they weren't able to take the full amount, and as such, charged less until they got something? Doesn't explain why they said it was fully paid but if they are having tech difficulties, they'll not likely forget

Useful Wonga link

edit: the above practice does seem a little dodgy though in my opinion!

edit2: unless they don't class you as being behind until the next working day, if as you say, they allow you to pay it off today at any point
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the link you provided explains it i guess............bugger! :D
 
When I saw the Watchdog report on Wonga and similar money lenders recently, they found that loads of mistakes were made inregards to repayments and taking money from peoples accounts. I wouldn't trust anything where it appears they've not done something correctly.
 
They should still help. There must be a procedure to go through to get the security number reset, even if they do say go to a branch, they wouldn't just refuse to talk to you.
 
denby said:
and APR doesn't really mean anything on a short term loan as APR is an annual charge
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Oh Dear..... so the APR can be several thousand % and it doesnt matter cause its an annual charge? Take your APR and divide that by 365 and let us know the daily interest rate.

Secondly how can you not know how much you owe on your account by a factor of 100%+ (£600 vs £290). Are you sure this mistake isnt going to rise its ugly head in a week or two after incurring further interest on that amount.

I suggest you take some responsibility and ring them and sort it out and not ask a bunch of people on the internet whether you are going to get away with £310 (plus x% per day) for not chasing this up

Its one thing using a service like this but once you are signed up - unless you want to be paying back 2 or 3 times the amount you borrowed you want rid as soon as you can
 
I've not used Wonga, don't plan on having too, but fail to see the major issue with it.

Had a friend who's boiler broke, £400 to fix and replace 5 days before he got paid. Planned family and friends coming over the weekend so it made sense to borrow £250 (£150 from his own pocket) quickly and he had to pay back £280.

I'm not saying it was the best solution, he could have shopped around for better deals, but time was not on his side so paid £30 for the convenience for the money same day.

Saying that, I agree with others. You definitely don't want this looming over you with interest from these buggers :)
 
If you never had all the money in the account, it would be in Wongas best interest to only take what you have. That way they get more out of you in the long run as the interest mounts up. I also imagine that there will be penalty fees for not paying in full.
 
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