The administration of WDFC, the legal company who operated the Wonga brand, was completed in August 2020.
The company was finally dissolved in December 2020.
See Companies House records for details.
Background to the administration – rising complaint numbers
A payday loan is “unaffordable” if repaying meant you had to get into more debt, by borrowing again or getting behind on bills or other debts. So you may have repaid all your loans but still have a good claim for a refund of the interest you paid.
When Wonga went under there were over 200,000 people with current loans from Wonga – many of them had a good case for the interest to be removed from their balance so they only repay what they borrowed.
The Administrators proposals set out the reasons why Wonga went into administration. These were the increasing number of affordability complaints, especially from Claims Companies, and the decision by the Financial Ombudsman that FOS could look at loans over 6 years old, going back to 2007.
There were 24,000 affordability complaints awaiting a decision by Wonga and 9,500 complaints against Wonga with the Financial Ombudsman when Wonga ceased trading on 30 August 2018.
Details on the Administration
The Administrators have made various progress reports (available from Companies House) and statements during 2018-20:
- in October 2018, the Administrators published their Proposals, detailing how they planned to handle the administration. Creditors voted to approve these Proposals.
- progress report to end February 2019;
- Witness Statement in April 2019;
- progress report to end August 2019.
An online claim page was set up in April 2019 for Wonga customers to submit claims for refunds. The deadline for sending in a claim was 30 September 2019.
The Administrators assessed all claims using an automated tool. This took account of:
- all loans, including those over 6 years old
- how large a loan was compared to a customer’s income;
- how often someone borrowed without significant gaps;
- whether there were indications of hardship such as missed payments;
- if there is a balance outstanding for the right of set-off.
Where it decided one or more loans were unaffordable, it calculated how much interest should be refunded and added statutory interest at 8%.
In August 2019 the Administrators starting sending emails to people saying whether their claims have been successful or rejected.
In September, the Administrators sent an update on progress up to end August 2019. Key points include:
- at end August, 389,621 claims for unaffordable payday lending have been accepted by the administrators;
- the total value of these claims is c £460million – an average of c £1,200 a claim.
- £23m of outstanding loans have been collected. The Administrators say that outstanding loans are being taken into account and given the right of set-off where the customer has a claim for unaffordable loans.
- The remaining loan book will not be sold to a debt collector.
At this point the Administrators were saying that payments would be made by 30 January 2020.
29 January 2020 – administrators announce 4.3p in the pound
On 29 January 2020, the Wonga administrators announced that they will be paying 4.3p in the pound to unsecured creditors, including all the 400,000 people who are owed a refund for unaffordable lending.
The administrators have now given the final numbers:
- they assessed 401,202 claims as being valid;
- of these 358,129 are being paid 4.3% of their assessed compensation value;
- the remaining 43,073 also owed a balance on a loan to wonga, so their compensation has been used to clear or reduce that balance.
What happens next:
- the money should be paid within the next 4 weeks. This has come as a surprise as people had been told it would be paid by the end of January;
- the loans that are being refunded should be removed from your credit record in the next 6 weeks.
My comment – ripped off by Wonga and now let down by the regulators
The administrators told people they would get “significantly less” than that amount as there would not be enough money to pay the claims in full.
But many people will have been hoping for more than 4.3% and are very upset.
It is not the administrators’ fault there is so little money to be divided between so many people. It is the fault of the regulators – first the OFT and then the FCA – that they allowed Wonga to break the rules saying that affordability should be checked
And now the regulators have failed to ensure that these Wonga victims get the compensation they should have. When a PPI firm went under, the Financial Services Compensation Scheme stepped in and people with PPI claims got paid in full. But the FCA has not extended the FSCS to cover payday lenders.
This isn’t just a problem for the hundreds of thousands of Wonga victims. Borrowers from many payday lenders have been unable to get proper compensation after the lender has had to close. This will apply to QuickQuid, the money shop, Payday UK and Payday Express borrowers as well.
The FCA needs to rethink this and provide a safety net for people who were mis-sold unaffordable loans.
Readers comments – Shock and disappointment
This a brief overview of the hundreds of comments below this article.
Some people are happy to be getting anything:
- “I am only getting just shy of £25 but for the sake of completing a 30 second form it’s not too bad.”
- “I will be getting £79.93 of the £1854.17 I was owed. Better than nothing!”
- “£35 out of a possible £800. I wasn’t expecting much anyway. I’m more interested in having the 25 wonga loans removed from my credit file.”
The administrators had said people would get “significantly less” than the claim, but many people were hoping for at least 10%:
- “I got mine £88.67 – claim was £2057.05 – I was expecting at least a couple hundred.”
- “Claim was 3034, getting 130. By considerably less I didn’t think it would be over 95% of it. That is ridiculous.”
- “To receive £44.10 from a claim of £1023.00 is insulting to be honest.”
- “Owed £1499, getting £63…what an absolute joke!”
- “4.3% is an absolute disgrace. Although people are trying to be positive they shouldn’t have to. The people who made all the profit here would spend the biggest payout anyone has received on an evening out and not think twice about it.”
- “Gutted…. was hoping for at least the 10% speculated.”
This reader blamed not just Wonga but the regulators:
- “Over £11k accepted reduced down to £480 – my job, my marriage and 4 years of desperation followed by years of rebuilding my life – that’s what the regulators consider that to be worth! Shame on everyone involved in Wonga and the lack of regulation of lenders like them !”
Some are just are delighted that Wonga has gone under:
- “Heads up everyone…We have won in the end! They can no longer be a hindrance to any of us any more!”
- “Mines going to charity. Best thing to have happened is for them to have gone bust”
- ”Thank you Wonga you paid me to continue gambling, I lost everything. Good riddance.”
Many people are also disappointed and shocked that they aren’t being paid by the end of January. Some people getting these refunds are still in difficult financial circumstances and had planned to use the money to pay a bill or some debts.
February 2020 – some clarifications from the administrators
The remaining loans
The administrators have confirmed that no further payments are being accepted and the debts will not be sold to a debt collector. So you don’t have to worry about being taken to court or bailiffs.
But the debts are not technically being written off. They will remain on your credit record for 6 years from the default date on your credit record. If you don’t know what this date is, I suggest you check it now.
In practice, now the company in liquidation, if you contact a credit reference agency and say your Wonga debt is incorrect, you can ask the credit reference agency to “suppress” the record as Wonga can no longer say what the right entry should be. See How to correct credit records if the lender has gone under for details.
No deductions are being made for tax
The Administrators have said:
“the Joint Administrators have agreed with HMRC that the payment may be treated for tax purposes as set wholly against the interest and fees element first, and statutory interest second. As a result, where the distribution paid by the administrators to each customer does not exceed the interest and fees claimed by them, no withholding tax will be required to be deducted at source from payments made by the administrators in such cases.”
The simple version of this is:
- the administrators are not taking off any tax.
- there will, therefore, be no tax to have to reclaim.
- the vast majority of people will not have to pay any tax on any part of of the refund even if you are a higher rate taxpayer. The amounts don’t have to be declared if you complete an annual tax return eg if you are self-employed.
A small number of extra payments
A small number of customers were owed money by Wonga for a different reason, for example they may have overpaid on a loan. These extra amounts are also being paid out and you will get 4.3% of them too.
If you were not using a claims company, you should have received a single email at the end of January which mentions both amounts.
If you were using a claims company you should have received two emails, each about one of the amounts. If you have only received one email and it mentions a claim which is smaller than the amount you expected, you can contact the administrators, it may be this is the “extra” payment.
Bank account issues
I asked the Administrators why some people are still getting emails asking them to update their bank details. They say:
These emails will be in response to customers’ requests received by the Customer Care team prior to 29 January 2020 providing a secure method by which customers can update their bank account details. Customers should respond to these emails.
I asked the Administrators what will happen if they make a payment and it bounces back to them because the account is no longer open. They say:
Where updated information is available from customers we will attempt to reprocess bounced dividend payments via electronic transfer. Alternatively, we will issue a cheque to the address held on file.
A blogger contacted the Administrators on the 14th February to ask why she hadn’t been paid and was told:
“I can confirm that the joint administrators have commenced distribution of dividend payments to unsecured creditors, including those with redress claims. Given the volume of transactions that need to now take place, the administrators cannot guarantee an exact date when individuals will receive payment but are aiming to complete transactions within the next two weeks.”
February and March – payments started but with problems
I was told by the Administrators on Friday 28th February that 90%+ of payments have been made and they expect to make the rest of payments over the next two weeks by BACS. About 22,000 the following week, about 13,000 the week after. It looks as though the 22,000 group got their money. It’s not clear to me how many of the 13,000 group have.
Many people in the comments below this article were reporting probems. These included people whose bank accounts had never changes. Problems included:
- confusion over whether a claims company has been paid or they will be;
- Wongasaid payment was sent to a claims firm that hadn’t been used;
- Wonga said a cheque was sent to a house you no longer live it;
- Wonga said a payment has been made to your bank account but it hasn’t arrived ;
- Wonga has said a payment was sent to an old bank account despite new bank account details having been given and co0nfirmed as having been received.
On 2 March the Administrators said the payment process was taking longer than expected and payments would continue to about 40,000 people over the next 2 weeks:
The Joint Administrators have now attempted to make dividend payments to over 410,000 creditors… In addition to the payments that were not made we have had approximately 40,000 payments returned to us due to incorrect customer bank details recorded on file with Wonga. We will now begin contacting these customers whose payments were returned, by email, to obtain correct and up-to-date bank account details.
The dividend payment process is taking longer than anticipated and payments will continue to be paid during the next two weeks.
On 19 March the Admistrator’s announced:
The Joint Administrators have now attempted to make dividend payments to over 443,000 creditors representing 98% of the creditor population. This includes payments to creditors whose payments were briefly held back from the initial payment phase whilst additional validation checks were completed to new bank account and/or address details that were provided. The Joint Administrators now continue to focus on the remaining small population of unpaid dividends in order to complete the payment process.
From here on progress was very slow, impeded by lockdown.
End August 2020 – administration ends – do you still have a problem?
Have you not been paid?
The Administrators final report blames the payment problems of Wonga’s poor systems and on creditors who did not update their bank details when requested to. But as many comments below detail, people who had never changed their bank account or who had updated their bank details several times and had each confirmed also experienced prolonged delays.
At 28 Auguest when the administration ended, there were still c 49,000 payments with a total value of £632,000 that had not been made – an average about of £13 per payment. About 70% of these were for amounts owed before the administration, so not affordability complaints.
The Administrators have passed the £632,000 to the Insolvency Service. If any creditors want to claim an unpaid amount, they should email CustomerServicesEAS@Insolvency.gov.uk.
A problem with your credit record
If there is a problem with your credit record then you now need to contact the Credit Reference Agency where the problem is showing – Experian, Equifax or TransUnion. Say you can no longer get an answer from the administrators as the firm has been dissolved so you would like the CRA to “suppress” the credit records (list them) as they are inaccurate.
This problem could have been an error by the administrators, who failed to delete the record. It could be an error by Wonga before the administration: the loan date or balance or default date is wrong – you want the default date to be as early as possible so it drops off sooner – or Wonga may have failed to add a default date.
If the CRA refuses, send the CRA a formal complaint and this can be sent to the Financial Ombudsman. In practice people are getting these sorted with the CRAs without having to go to the ombudsman.
Refunds from large loans & car finance
Refunds from other payday lenders
Is your credit card limit too high?
Sarah says
Hey Sara. I’ve posted on a different thread regarding a peachy loan, they’re asking me for bank statements and pay slips which I cannot provide, any advice please? Also could you possibly email me so I can send you a screenshot of an email I’ve received from peachy as it’s absolutely shocking,
Also a massive massive thank you, you’re an actual angel, this site is the first time I’ve not felt alone in years, the first bit of light at the end. So thank you,
Good luck with the future to everyone here, thank you for sharing your stories they bring such comfort knowing I’m not alone in this, I naively thought I was the only one who could get into such a mess and have spent years lying and living in shame :-(
lisa says
I have done the same with peachy and informed them i have not got this information to which they replied I’m under no obligation to provide it but if there is any info that would help my case to send that, I have had loans with peachy and numerous others for years, safetynet has been very quick and already after only 5 days deducted the interest from my remaing balance, sunny have said they have no case to answer im just waiting for the other companies now, I’m in a debt management plan with step change so any redress from my outstanding loans will just help me here by free quicker, hope you get there too it’s such a dark place to be in when you have no one to turn to.
Bill says
What email address did u contact safetynet on to make a complaint? The same one which is listed on this site on a different page? Thanks
Sara (Debt Camel) says
yes use that one.
lisa says
I used a website called resolver, but I also contact them through my safetynet account.
lesley says
Yes I am in the same situation I have send a complaint letter to various ex lenders after gettimng fantastic advice from this site . WELLDONE!!!!!. However I do no not have any paperwork or reference numbers etc . what do I do now please any help for the next stage would be grateful. thanks
Sara (Debt Camel) says
please ask in the comments below https://debtcamel.co.uk/payday-loan-refunds/
andrew ford says
why are people expecting notifications today(29/01/20) thought notice/payout day was 30 and 31 jan respectfully
Barry says
Saw a few posts on here yesterday saying they spoke to get and confirmed we will get notification today of payout amount, but not date of actual payout.
Anonymous says
A few people who contact at the administrators yesterday were told emails would be sent out today. As it’s only 8.45 there is still over 15hrs left of the day so people need to just get on with their day and accept that we will get an email when it is ready to be sent out.
Shuhal says
Hello lovely ppl,
Before I was able to now I can’t login to Wonga doesn’t recognize my email, don’t know what’s going on, do u guys have a similar issues? or is it just me
Sara (Debt Camel) says
they have stopped everyone from logging in. No idea why.
alan says
we were being ripped off from the moment we electronically signed the loan agreements – we were all in such a tight spot at the time I guess that we didn’t really think about it
Paul O’Donnell says
Hi I put in a complaint to quickquid before they went into administration. Will I need to put in another complaint?
Thanks Paul
Sara (Debt Camel) says
probably not but this won’t be definite until the administrators give more details. Come back in April when the new claims page should be live.
Ryan says
How do some people know what their claim value is? I double checked all my emails but I cant find anything to say what my value is. I know we will get the percentage value some time this week but does that mean some people have got that email already?
Dale Cannon says
I got mine in August last year but it went to my junk mail
MommaR says
I’m the same!
Checked my emails too,and nowhere has it gave me a claim value,and the emails said I have accepted a claim value but the pay out will be considerably smaller!
Smaller then what? I wasn’t given a figure to start with? 😂
Any amount will come in handy this time of year to be honest, but like you say,weird how some people have been given a rough figure already 🤔
Maire says
Hello Ryan I got my first letter with what my accepted claim amount was the backend of last year
Ryan says
i must have missed an email somewhere, got a separate folder for Wonga. I’ll look forward to the surprise when it drops. I know my claim value will be pretty high was in a viscous circle for 3 or 4 maybe even 5 years full wages going out then reapplying for max loan for 30 days again.
MommaR says
Anyone else refreshing their emails every 5 minutes 👀🤣🤣
Wish I hadn’t seen the comment about the % email arriving today in here yesterday now, I’m obsessed with checking and it’s only 10am! 🤣
I’m just going to go with Friday again as I thought it would be 31st anyway,I’m thinking the person was told that on the phone as they probably had a high volume of calls asking the exact same question and wanted to just shut people up for a bit,but who knows🤷🏼♀️
Chris says
Me too 🤦🏻♀️ It’s anoying but iv looked through all my other emails from them and all seem to be around 2pm so hoping it might be the same today lol 😂
Beverley says
I was told last September what I should have got back, had there been any money, I didn’t even ask or at least I don’t remember asking about refund. I sent photo by email of my bank card with 16 digit number obliterated no I.D. was asked for and I received instant confirmation of receipt. However all quiet on western front since.
As I never asked for and therefore never expected anything back the cost of a Morrisons lunch will do me. At 68 I am still unable to retire but am working part time and claiming a basic pension. Still paying all my bills on time including full rent and 25% discounted council tax. However from childrens weddings and holidays i still have bank loans to pay back. Reading some of the posts I think I am one of the lucky ones, though at the time of using wonga I was in despair. I am at the age where I no longer don’t eat so my children can and wonder how I will pay my utility bills or my rent. I sympathise with anyone still requiring help with massive debts who have a good stretch of life ahead. Debt can affect anyone and how galling it can be when we read headlines that state big lottery winners now living off hand outs. Sometimes having money is no safeguard.
Live long and prosper (hopefully live long and at at least see light at the end of the tunnel)
Sara (Debt Camel) says
Beverley – I suggest you go to your local Citizens Advice and ask for help with your finances. You may be better retiring and claiming Pension credit and help with council tax and housing costs and getting help to make affordable debt repayments or possibly some form of insolvency.
Steve K says
That’s plain daft!! Doing mine every 10 minutes lol
Sara (Debt Camel) says
Good morning – let’s all hope the emails with amounts are sent out today.
I am deleting a lot of comments at the moment. Some offensive. Some silly. But most because by the time I saw your comment someone else had said pretty much the same thing. Sorry if that happened to you!
It’s fine to share your Wonga story while we are all waiting. But please don’t criticise anyone else.
PS don’t use your surname on a comment if you don’t want your full name on the internet!
Carina says
Good morning Sara (debt camel) Thank you for your site, it has done far more than give constructive advice, it has enabled people to get support from each other. There are so many of us that no longer feel alone. Bless you.
R says
Hi Sarah,
Just wanted to say thank you as well, your site is doing amazing work in supporting a lot of vulnerable people who were mistreated. I wish I had stumbled on it earlier. If there is anything we can do to support you please let us know, would have no problem making a donation to help continue your important work. Thank you so much, you have no idea how much this means to many of us.
Sara (Debt Camel) says
A small donation to your local Citizens Advice would be great. They are all individual small charities, mostly reliant on funding from the local council which is being cut :(
Ian says
Hi
I might do this, to be honest, I was at a really low point early this month and the Citizens Advice really gave me some good advice and made me realize that I had more power than I thought. Between them and this wonderful site I’ve never felt more confident of saying No to these people.
Vee says
I said a few days ago, if everyone in a better financial position now even just donated £1 of thier dividend, collectively it could make a huge difference and at least some good would have come from this fiasco.
On knowing I was only going to get a percentage I deleted my amount email and wiped it from my mind so now anything that comes in is a treat. After discussion with my husband we already decided anything over £20 were just going to divide between various charities and keep the price of fish and chips, a memory to when we were so deep in debt I used to borrow my neighbours dog to walk past the chip shop at closing time, pop my head in and say any scrap chips for the dog. Many a night those scrap chips were our meal, and if there was a sausage amongst it felt like a lottery win.
Have faith, with help and discipline your finances WILL get better.
Ian says
I will be definitely be happy to even get 5% back as that will still be £300. I kept borrowing £1000 a month and only got paid £1100 a month wages so struggled to pay back the £295 a month interest. My borrowing started off small but started to get bigger and fell into the trap of paying off the loan when i got paid but had to borrow again straight away as i had no money. I will be glad to have the loans removed from my credit score aswel. Was bad that you could even have more than one loan at a time with them in a month.
Andy says
Well put. :)
I know a few of mine did not make it but upon reflection they sometimes ventured into too long rambling or were not far off repeating what was already said. No offence ever taken 😁
Jode says
Can I ask if anyone’s received their email yet? Or how they go the info that emails will be sent today? Feel like in the dark with it all and don’t know where to turn
Sara (Debt Camel) says
no one has received anything. Everyone is just waiting and in the dark like you.
Dom says
No. Completely ridiculous. 2 days left to pay and not even an emeilnto confirm the amount
Sam G says
I think it’s a sad state aid affairs and telling how vulnerable we are as consumers. Even 1% of my claim would help me out financially significantly at the moment. Sad times
Andy says
Sam, you will not by any stretch of the imagination be the only one who is in a similar position by any means, that I can tell you for sure ( because I am too , to a degree anyway )
For some even a £10 to £20 or so payout landing in their account could make a relatively big difference for how they manage for a few more days etc.
Sara (Debt Camel) says
If you want to get a refund for other payday loans, please read https://debtcamel.co.uk/payday-loan-refunds/. That explains how these complaints work and has a template to use.
From Provident, see https://debtcamel.co.uk/refund-doorstep-loans/
From Amigo and other gaurantor loans, see https://debtcamel.co.uk/how-to-complain-guarantor-loan/
From large bad credit loans eg 118 and logbook loans, see https://debtcamel.co.uk/refunds-large-high-cost-loans/
Good luck with those – the best claim to claim is NOW even if you still owe money.
Further questions, please ask in the comments below the relevant article.
Tracey says
Hi Sara
My dad took a loan with amigo and got top ups then my dad went bankrupt due to other debts he had and amigo got passed on to his guarantor which is my sister. Unfortunately my dad passed away july last year and i am now paying the money for the loan. Is there anyway myself or my sister can put a claim in as amigo know that my dad had all these other debts that he could not afford
Sara (Debt Camel) says
Possibly – can you ask over on https://debtcamel.co.uk/how-to-complain-guarantor-loan/ please
Lynn says
Sarah I am currently paying into a dmp , am I still able to make complaint towards payday/doorstep loans that are part of that ? This website is fantastic.. thank you for all the advice on here, after marriage breakdown and house move I couldn’t afford debts were ruining my life so I had to take on dmp, I can finally see light at end of the tunnel now and never want another loan ever !
Sara (Debt Camel) says
Making claims in a DMP is fine. Some people are getting HUGE refunds from Provident! See https://debtcamel.co.uk/refund-doorstep-loans/ and ask any more questions there please.
Maria Koutsofta says
Hi, I had a loan with 118118 Money and then started paying them via a debt management company l paid that loan off eventually but had to take another loan when my father died for funeral expenses however due to ill health l entered a repayment plan with them but the loan is increasing due to the missed payments and this is distressing me a great deal as l have a few more loans l have to repay each month. I am not sure how to complain. I also sent them a mental health and debt form completed by my GP but that has not helped.
Sara (Debt Camel) says
read https://debtcamel.co.uk/refunds-large-high-cost-loans/ which explains how.
Maria Koutsofta says
Thank you – l have also sent the health form to my other creditors and explained my financial difficulties but their response was that they are sorry for my situation but and would look into reducing the payments over a longer period.
Sara (Debt Camel) says
please discuss on that other page not here!
Nathan says
I understand that there were so many complaints, that there isn’t enough money to go around to honour the original claim value. I do think it’s very insulting that they have said “oh look here is the potential £2000 you could have had.”
I’d much have just rather had an email, when they already knew the percentage saying, due to a large number of claims, your total amount is… etc.
Sara (Debt Camel) says
Legally this had to happen. The administrators had to tell you the assessed value of your claim as you had the right to appeal this.
Nick says
You’d have preferred if they just came to you with a number, with no explanation of how it was calculated?
It’s not insulting for them to indicate what you should have had, it’s simply how business works.
Paul says
Not to derail the threat but will Amigo going up for sale be any concern for those seeking redress? Presumably any new buyer will want to perform due diligence and be wary of any liabilities they’re possibly taking on?
Sara (Debt Camel) says
The “sale” doesn’t make a difference to the company or complaints. It is just shuffling shareholders so someone else will get the profits. The company is not being shut down.
Steve says
Just wondering if claiming from Wonga or any other lender would have an impact on credit score etc?
Sara (Debt Camel) says
yes and no.
If the loans are paid off, then it won’t affect your credit score, indeed if you win the case then any negative marks on the loans refunded are deleted, so it will improve.
if you are still paying and need a payment arrangement, then that affects your score, but again the negative marks are deleted if you win the case.
T says
Hi everyone,
I’ve been somewhat of a lurker on this page as it has truly been the only thing I have found on the internet relating to Wonga that has actually been informative, factual and supportive. I too sat in the spiral of rollover borrowing robbing one to pay another just to survive and actually have begun to breathe a sigh of relief as these payday loan companies are slowly being shut down on themselves. We all have all had our own tales to tell, we all had very good reasons for our personal borrowing and I just wanted to thank you Sara for all your help and wish every one of you the very best for your futures.
Barry says
Yesterday i got th email asking me to click a secure link and send over copies of bank card/ passport etc to change my bank details.
Clicked link met with page asking me to upload files. Uploaded Files. Done.
Noticed a sign in button at top right. I didnt sign in before uploading files. Was i meant to sign in? How come it didnt ask me to sign in first?
Takethatmad says
No you didn’t need to log in. The upload link was just for you :)
Nick says
How do I go about making a claim on 118 if any one could help that would be amazing
Sara (Debt Camel) says
see https://debtcamel.co.uk/refunds-large-high-cost-loans/ and ask any more questions there.
Jodie says
Received an email from credit karma this morning. All 17 of my Wonga loans have been removed from my credit report 😬 happy with that wasn’t expecting it so soon
Brin says
Did your score go up much?
Andy says
It annoys me the amount of negativity on other sites towards those that have taken out a Wonga loan in the past. I am probably like a few people on here, where a difficult breakup meant that I was left pretty much with a few bin bags and an awful credit rating with not much else so I had to build myself up financially again. The payday loans weren’t a great decision but if you are 2 weeks from pay day and no mainstream lender will touch you then what option do you have?
Luckily I am in a better place now and a lot more disiplined! Even to the extent that I have a spreadsheet of every single outgoing and how many days left of the month which I update daily with my bank balance, credit card balances, check off the things that have gone out lol, whereas before I would be too nervous to check my balance so I would always run out of money.
In all honesty creating a spreadsheet was the best thing I ever did as I know how exactly how much I can spend each day. As crazy as it seems now I didn’t have a clue how much I was spending at all and every trip to the shop was a gamble on whether I would be declined. But now, even though I still have a fair few debts I know fully where I am at and can budget in some extra repayments to bring down balances which is great to see balances go down.
Ben says
I thought everyone was getting the % today?
Sara (Debt Camel) says
that’s what everyone is hoping. But nothing yet.
barry says
There are still 14 hours left of the day, Ben. They said today. Not 09.00am today.
Anonymous says
Morning all,
I too have had door step loans with provident for well over 10 years and currently still have. How do you go about reclaiming intrest as I am struggling to make the monthly payments?
Sara (Debt Camel) says
See https://debtcamel.co.uk/refund-doorstep-loans/ for how to make a claim against Provident. With 10 years worth of borrowing you could potentially get a LARGE refund. Also tell them you want an affordable payments arrangement at the same time so you don’t struggle while your complaint goes through. good luck!
June says
Hi there I complained to them as at one point between me and my husband we were paying over £100 per week we ended up bankrupt but that was away back in 2012 I got a letter to which they said I wasn’t due anything back bit we at some times were still paying back a loan when we were offered more and us having a family took them this went on for years should I go to FOS
Margaret says
I had about 50 loans from provident I’m entitled to nothing because they were more than 6 years ago that’s what I was told
Sara (Debt Camel) says
Send the complaint straight to the Finacial ombudsman – Provident started to pay out on the old loans before Christmas.
Mark says
Checking all my past emails from Wonga, they always come out mid afternoon, I wouldn’t expect anything til then.
Strange how this is the only place online where there seems to be regular updates, the only other references use Debt Camel as the source!
Looking forward to my £40 or whatever I’m getting this week!
Sara (Debt Camel) says
people have had emails at all times including the middle of the night. But going and doing something more interesting and popping back in mid-afternoon might be a good idea!
Clare says
I’ve had them at all hours. I’m hoping for £100 – that’ll help me buy stuff for my handmade crafts, which is a far better way to top up my income than payday loans!
Sally says
I’ve tried to ring th admistretors on 0191 261 2631 they answered straight away and transferred me to the Wonga team but just went o voicemail . Anyone else spoke to them today to see if we are getting an email
Sara (Debt Camel) says
either the emails are coming today or they aren’t. Sorry but there isn’t any point in wasting your time phoning up to ask about this.
Karl J says
:My emails from them have come from anytime between 08:45 and 17:15, so you cannot predict when and if they are going to arrive so don’t worry about what you can’t control. Phoning them wont have any effect and they probabally wont be abe to tell you anything until the e-mails have gone out.
From my experience of waiting for an administrator to wind up the company at this stage ll you can do is sit back and relax.
James says
I’m trying to update my bank details now but cant even log into my account on the website. There’s no ‘sign in’ option.
I’ve emailed them and I’m on hold on the phone too right now.
I thought I’d updated my details but then got an email on the 10th Jan with my OLD bank card details.
A friend has informed me there was two sections to update your bank card – money for them to take from you abd money to give to you – not sure how correct this is?
My claim was £3,030 so hoping for at least about £300. I really need this money atm too.
Sara (Debt Camel) says
if you had updated your bank details you may be fine – the email sent early January may not have had your new details on it. Sorry, I know this is so worrying.
Liz says
I uploaded my correct bank details and emailed. It haven’t had a reply to Day they have received them. I spoke to Alexandra at Grant Thornton yesterday and She said she would pass the details onto her contact at Wonga and they would contact me. They haven’t yet, there’s no log in on the wonga website. I’m really worried my repayment will be paid into a bank account I had years ago when I had the loans and if it is I’ll never get it. Please has anyone got any suggestions what I can do? Many thanks
Ed says
James, I don’t want to cause you any upset or stress but by hoping for that 10% there’s a good chance you’re setting yourself up for more disappointment. I’d keep your optimism as low as 1 or 2% to be on the safer side of things and expect £60 at best. At least then if they came out with 7 or 8% it’s a good number instead of a let down. Good luck to you anyway.
Gary says
That’s a good way to think expect low.
Natalie says
I too have been lurking in the shadows reading everybody’s input, hoping for some clarification. I didn’t receive the email with bank details on the 10th Jan. I did however change my bank details online on the Wonga website at the end of last year. I received 3 further emails from them between then and the last one on the 14th Jan with a link to upload bank details. I did this of course but haven’t received a confirmation email. I did however speak to someone last year on the love link after receiving the first email and she said money will be paid into the account on file, but yet I kept receiving the link to upload. So just a bit confused but hoping for the best. Only time will tell. I understand they’ve probably got a ghost team still working and responses will be sluggish. Just glad to see an end to this sorry saga and hoping the best for everybody. The payout may be large, it may be small but at least in the near future we can all put this Wonga business out of our minds.
Gary says
I’m not expecting much to be honest. But anything is better than nothing. I started with a £50 loan and it went from there. I’m paying things off should be clear in a couple of years. Never again.
Andy says
That is how quite a few of us started Gary, myself included as my first one was 50 even though more was available.
From what I can remember: The plan was I guess “just enough” to see me by for a few days as it was Friday I took it out from Wonga iirc until my normal payment arrived (ESA in this case as they had made a mistake so it was a few days late) so that would not of arrived before the new week and I wanted to eat and not sit in a cold room without electricity etc.
It all started from there!
Ollie says
Does anyone know where the reported 10% off the claim value has actually come from because no official sources seem to be saying anything?
Also I understand the payments are due tomorrow but I am anxious they might not arrive on time
Sara (Debt Camel) says
It was an estimate by a newspaper back in October before all claims had even been made.
julie says
Sara do yoh have your own estimation on a percentage? Would be interesting to hear your view :D
Sara (Debt Camel) says
no, I don’t think there is enough published information to make even a rough guess at the number.
Karl J says
The report is that the administrators had set aside £45 million for claims and there was £460 million total claims. That cones to about 9.7% the actual figure could be higher it could be lower who knows even at this stage the administrtor may be waiting for some payments to clear before finalising the dividend.
I have experienced this befroe when a company I worked for went into administration and the administrator would not even specualate what the dividend would be until the official letters went out. Once that happened things moved very quickly.
I am just happy that this month will see then end of this
Sara (Debt Camel) says
the 45M figure was a guess. As was the 460M figure. At that point there was another month for people to send in claims.
Pedro says
It was also calculated based on the pot they have for these claims compared to the amount of claims and average claim%, it makes sense for it to be around 10% but nobody actually knows, the email did say that you will get significantly less that what your claim amount is.
Dave says
Any payments are likely to be made by bulk BACS – remittance submitted during working hours is paid by next working day now (as opposed to the 4 working days cycle of old). Therefore based on Grant Thornton’s estimate of ‘end of January’ – it’s feasible that payment confirmation today, then BACS submission would tie in with this.
Pinch of salt required as always but I’ve no reason to doubt what they say. I don’t think they’d want to put themselves under any more pressure than they already have facilitating the wind down of a large business such as Wonga.
Good luck and I hope you get some information soon! 👍
Jeff says
After many years of Payday loans, today (hopefully) that chapter of my life comes to an end with some modest payout from Wonga. Whilst I deplore the exorbitant interest rates charged by the payday lenders, I have to say that, at the time of my dark days, they were my only avenue for obtaining finance!! For almost 5 years of taking out payday loans, I never once missed a payment although obviously I was in a situation where I had to , almost immediately after a payment , take out a new loan!!
Payday loans are targeted at people in financial difficulty and who, therefore, are off a much higher repayment risk profile. Notwithstanding this, the exorbitant interest rates and repayment schedules set by these lenders merely added to these financial difficulties and often resulted in more spiralling debts!! I have never understood the logic whereby people with serious financial difficulties and cash flow are only able to obtain loans with exorbitant interest rates and crippling repayment schedules?? My first payday loan was for £1,500 and I recall that it was for 3 months with interest of about £400 a month ( maybe more). If I had been able to obtain a mainstream bank loan of £1,500, I believe the repayments over say 24 months would have been approximately £60/£70 interest and repayment? At the time, this would have probably stopped( or certainly reduced) my need for 5 years of continuous payday loans.
Heyho, I doubt that things will ever change
stuart says
your comment about not missing payments makes me wonder something..
I also never missed a single payment to any payday loan, although I did have to make a few ‘arrangements’ to make sure i didnt get any extra charges..
the question is, if credit ratings are based on borrowing and paying back in time, how come using payday loans (a huge number of them in fact) and never missing a payment doesn’t improve your credit rating? that’s why I got a credit card, I use it for petrol etc and transfer to it immediately, the plan being it establishes good borrowing history.. so why are PD loans different? if they were I’d have a brilliant rating by now
Sara (Debt Camel) says
there is a special flag in credit reporting for payday loans. Most other lenders see having had payday loans as a warning sign,
stuart says
yeah that’s pretty much what I was told when i was in a meeing with one bank… but why? borrowing is borrowing, surely, why is it any different. in fact if anything surely going for a short term loan is better in some respects.
I suppose it shows difficulty in managing finances or something? still, people various reasons dont they as we’ve discussed already, so isnt that a case of the ‘reputable’ lenders adding to the stigma
bert says
I guess that it shows you’ve been desperate enough to need a payday loan. Therefore a mortgage provider might think that’s an indication that you’re not in control of your finances. I guess they won’t ask what the situation was or even consider the fact you paid it back on time.
Andy says
Completely agree. I think that is the horrible catch 22. Banks decide that you cannot borrow money from them because your credit rating / history is too bad, then in an emergency you have to go to a payday loan company and then the banks lower your eligibility further.
Jeff says
I understand that. What I do not understand is the logic whereby the solution for granting loans to a typical payday loan customer, who is deemed to be a much greater Credit risk, is to make the interest and repayments exorbitantly higher?? After all, the majority of people on this site are expecting a refund because they did manage to repay their payday loans. Why is it then so unbelievable for Banks to accept that these same people are more than able to maintain repayments on mainstream loans with reasonable interest rates and repayment schedules??
Warren says
Hi I have sent wonga an email numerous times about changing my bank account details and they’ve yet to reply I’m quite concerned as it’s the next few days then should be making payment . Does anyone know how long they take to reply to the email I have sent and if the call line is still active as I have waited on hold now to try and get the email to change my details twice for over an hour each time
chris says
Hi Warren,
i emailed them twice to change my bank details. i had to send them proof of ID (driver license) and bank details (bank card with sort code and acc no,)
Mark says
I managed to change mine On Monday. first asked on 10th Jan. I didn’t ever hear anything. I re emailed. A week later. Again nothing. I ended up ringing until I got through to someone quite dismissive. I said look I have followed what you asked. it’s a generated link. It doesn not take someone 2 weeks to send a generated link, I want the link sending today. it’s unreasonable, I’m entitled to my redress so send me my link please. I got the link pretty much straight away. Haha. I uploaded my details last Thursday. And rang up Monday to confirm they had received. The much nicer person that I spoke to, confirmed they had them there and changed the details there and then and I got the email to say so. think the problem is there is such an influx of claimants the team left to deal with this just isn’t enough. The administrator report filed at companies house show a skeleton staff left and IT whittled down to save money, understandable. However, I think that it would have been better at the time of claim, to ask for current bank details or to have had an automated update facility left in place. However, I do really appreciate what the administrators have done in trying to at least try and right some of Wongas wrongs.
Kirsty says
Hi everyone. As everyone else I am waiting for the % today or next few days. I just want to thank sara yesterday I copied the template and forwarded it to my other payday loan company’s just had an email back from 247moneybox just acknowledge my complaint and they have said its with the administrators so il see if anything comes of it
deb says
can i have the link please?
emma turner says
Hi I how do i go about getting money back from lending stream and also safety net credit can someone help me please ad I don’t know what to do thank you
Ik says
Hi email safety net credit from your registered email address on account. Very simple email that you want a put complain in for unfordable loan. complaints@safetynetmail.co.uk I had respons in 1day and will be refunded on this Friday.
Dee says
Hmmmm morning Sara and all….
I wonder if we all get the email at 6pm when everyone goes home and there is no one to call and complain and vent frustration.
It is sad that some feel people like us put ourselves in this situation. The majority I know who used these vulture companies paid each loan off and struggled to do so, often taking out multiple payday loans to pay one another off with the balance of each going up each time.
I guess the majority of us don’t have payday loans anymore, but are still badly suffering the consequences of using these companies in the past. Had we been given access to fairer credit in the first place would we be in this situation at all?
I complained about Amigo in September and they half upheld my complaint. They have stopped the interest. Took a loan of £3000 in Dec 2017, struggled to keep payments until Aug 2019 I gave up. Worked out I paid them back the £3000 plus £1000 interest but still had 3 years of paying left. Taken my complaint to the Ombudsman will see how it goes.
On another note, Wonga wrote to me in October 2016 and allegedly reviewed my account with FCA and refunded me £48. This is the only amount of my claim of £8000 that has not been accepted, so I have put in a complaint to the FCA as I feel they had the opportunity to pay my £8000 then.
barry says
Doesn’t matter what time you get the email. They will not be taking complaints. It is final. You may as well shout at a cloud for all the good it will do.
Sean says
Hi everyone. I have checked all emails, and none of them have my claim amount? Where did you all find yours? Also I am now unable to log into the website!
Thanks in advance for any help.
R81 says
Hi sara Advice please.
I am currently on a iva due to a relationship breakdown and being left with all of them. I had to take out payday loans in order to keep up with house Bill’s and child care. I had provident,myjar,and sunny loans. Can I claim for them even being on a iva?
Sara (Debt Camel) says
please ask in the comments below https://debtcamel.co.uk/payday-loan-refunds/
PR says
I work for a company who deal with claims and my department is IVA clients.
Usually, redress from claims will go the IVA company – not to reduce your payments but to make up the shortfall between what you actually owed and what you had agreed to pay back through the IVA.
This is more so with bank lenders, however the payday lenders may follow suit.
Alan Taylor says
Hi,
Does anyone have an email with a link to the change bank details portal please?
They sent all the info regarding my claim and my partial acceptance to my current email, but they sent the request for change of details to my old email address. I only realised on the 25th and have emailed them 3 times now for a link to the portal but I’m getting no reply.
Can anyone help?
Thanks.
Amy says
I’m pretty sure the link they send is specific to you, so I don’t think anyone else would be able to give you the link I’m afraid.
Roy says
Hi, does anyone know how I can check that my previous Wonga loans have been removed from my credit history?
I use Credit Karma and I have a number of listed entries under closed accounts for Wonga. Will these disappear when they are officially removed from my history?
Thanks
Roy
Harrison says
I believe this is quite a slow (and very manual) process. I would assume it would take a couple of months to complete this. You should receive a CreditKarma notification when these changes are made.
Jo B says
Hi everyone I have just got through to wonga on the telephone after being on hold for one hour and 29 minutes . I explained that I need to change bank details and have sent 6 emails to wonga and no response . She apologised and allowed me to give bank details on the phone after checking my wonga reference number and d.o.b . She said that I will receive an email confirming the refund amount and that email will be sent anytime from now until Friday . She said payment will be made into bank by Friday . I then immediately received an email confirming they have received my new bank details . Feel quite relieved now and was worth the long call wait .
Sarah says
Thank you for this comment. It is good to hear.
Mary says
I have had thousands from provident for years how far back can you claim is anyone having success is it worth Persuing. I also had an amigo loan when I was under debt management is this worth persuing.
Lee says
I have used resolver.com for all my payday lenders that I have used in the past & that I currently had loans with at the time.
With 6 different leaders I have been awarded over £10K in the last year & nearly £4K written off.
Andy says
Hi Mary, depending on the type of lender please take a look at these links:
https://debtcamel.co.uk/payday-loan-refunds/
https://debtcamel.co.uk/refund-doorstep-loans/
https://debtcamel.co.uk/how-to-complain-guarantor-loan/
https://debtcamel.co.uk/refunds-large-high-cost-loans/
Tamara says
I had 4 loans with Provident( 2014-2015) Firstly I claimed straight to them , but they rejected it- it lasted over 2 months , so I sent online complain to FOS and the adjudicator upheld fourth loan ( another 2 months) . After adjudicator’s decision, in 2 weeks I got the cheque. So it worth .Good luck.
Julian says
Hi
I’ve been in contact with GT via Twitter and been advised
”The administrators are continuing to work to the timescales they’ve previously communicated to creditors – End of January and will be in touch in due course”
Will says
I am claiming against uncle buck & lending stream at the moment as was told no payday lender should lend to a person in a DMC.
J says
Anyone asking about Lending Stream, I would just use the template from this site it worked for me. I had a few loans from 2012 I couldn’t even remember the details tbh but I tried anyway and they refunded me £670 much to my surprise (especially as it was 8 years ago and I’d more or less forgotten all about them). Be warned though, they took until the very last day of the 2 month complaint window to respond, and then left actual payment until the very last day of the 28 day window after I accepted the refund. The rate these companies are going out of business I would suggest you do it sooner rather than later otherwise you will definitely miss out.
John says
Where can I find the template for lending stream on this site?thankyou
George says
Hi sara like most people ive found your article very interesting and made a complaint to amigo they are saying i am out of time needed to do it 6 years after the loans or 3 from they were realised is there anything i can do next
Andy says
Hi Jo,
Thanks for taking the time to post that. It will be helpful for those worried their updated details were missing/awol or otherwise incorrect still.
Zoe says
I have had four emails asking for back details I sent the first 22/11 and then I got another email so I called Wonga and they advised that they had received documents via the email, but I never got a confirmation email? Anyone else have this.
Wayne says
Just had this from my jar but don’t have access to either anymore??
We are sorry that you have felt it necessary to complain to us. We want to address your concerns as soon as we can and as fairly as we can. To assist us to do this, please provide us with the following information:
Bank statements (at the time/s you took out your loan/s with us showing the below data)
Bank name and logo
Account holder’s name
Account number and sort code
Pay slips (at the time/s you took out your loan/s with us)
Any additional information relating to your financial circumstances (at the time/s you took out your loan/s with us)
Wayne
Sara (Debt Camel) says
Please post this on https://debtcamel.co.uk/payday-loan-refunds/
Michelle says
I changed my bank account about 27 months ago. When I logged onto the online Wonga portal it had my old details and I updated them on there. I later received an email asking me to check my bank details with the old account on there. I read online that if you close an account via a switch service (which I did) payments would automatically be redirected for 3 years so I didn’t worry about updating the details again. I have just attempted to send a payment via online banking to my old account and received a message stating that this account no longer accepts direct payments. Does this mean I will not get the refund automatically redirected ?
Chris says
Thank you for posting this – genuinely helpful. I have switched in the last two years but didn’t know about this. Wonga have failed to send me the link I need to change my account details despite asking twice but it seems I may not need to worry.
Sam khan says
This whole situation is very tense and down to the wire. I know the communications said we would hear the amounts at the end of January 2020 but to get to midday on the 29th and still not have heard anything is very irritating.
The issue for as I’m sure for most is that I am still in a financial situation and I had planned with creditors to pay something off with whatever we get from wonga.
Simply not knowing how much or an assurance that it is coming by Friday is most frustrating
James says
Once this is resolved will all my loans from wonga be deleted off my credit report?
Any help welcome
Thanks
Harrison says
All accepted claims will be removed however this will take some time. Wouldn’t be surprised if it took weeks/ months.
Paul Cribb says
Finally received £12075 in my bank from Lending Stream Yesterday, took since June 2019 but very happy with the pay out. Like many others im waiting with baited breath today regards my £5k + Wonga payout (Maybe £400)
I hope these companies and those like them receive back all the heartache, stress and mis fortune that they have cast over Hundreds of thousands of people in the greatest need #parasites.
Its a disgrace the Government ever allowed them to trade in such a manor or maybe a blind eye was turned as they took the tax payments.
John says
How did you start your claim with lending stream Paul?I need to make a claim with them.thanks
Miss h says
I am very frustrated with wonga as I was 24 hours away from been paid out when they went into administration I have been waiting nearly two years now they never even emailed me to say they wasn’t paying it had to find out in there website and then to find out after all this time I won’t get it all bk is just a joke!
Isla says
Still waiting to hear if the claim my successful or rejected. I have emailed a few times but apart from the acknowledgement email nothing coming back. I tried phoning but they state they have a huge volume of calls so not hanging on. Just don’t have enough credit on phone to let me wait for ages. I don’t care if I was successful or not I just would like to know one way or another. I suspect the administration will be wound down soon and I will probably not know what the outcome was. I know they had to email everyone to say they may have a valid claim but I really wish I had never heard from them. On a cheerier note, I always though this was debtcaramel instead of camel 😁.
Scott says
Hi all,
Can people stop posting comments about other Payday Loan companies on this page please. The comments may be missed with the amount of other comments being posted about Wonga.
Sara has many different pages more relevant and you will get better help and advice in those posts.
PAYDAY LOANS
https://debtcamel.co.uk/payday-loan-refunds/
DOORSTEP LOANS SUCH AS PROVIDENT
https://debtcamel.co.uk/refund-doorstep-loans/
GUARANTOR LOANS SUCH AS AMIGO
https://debtcamel.co.uk/how-to-complain-guarantor-loan/
HIGH COST LOANS
https://debtcamel.co.uk/refunds-large-high-cost-loans/
There are also pages for Credit cards and Catalogues
Kerri says
I too am waiting/hoping for a wonga payout. I am wondering if anyone had has any luck from Pounds to Pocket, now Onstride? I put in a claim months ago and they have been extremely slow in responding.
Sm says
Hi
I have made a claim against provident for unaffordability i had been borrowing off them sinice year 2000 struggling to make ends meet i finally paid them off in 2012 but seeing what you have put you cam only claim from 2007 coyld you advise me on wjat to do please
Thank you
Liz says
After 1 hour and 33 minutes eventually spoke to someone at Wonga who updated my bank details. She advised everyone will get an email and payment between now and Friday 31/1/20. Just got an email confirming what she said.
Lynne says
So they’ve just been fobbing people off saying it’d be today just to get them off the phones!
John says
Where can I find the template for lending stream on this site?thankyou
Trudi croft says
Hi
I have just updated my bank details over the phone, they sent me an email whilst I was talking to them and I emailed the info straight back, had confirmation that these have been changed.
Be prepared for an hour and a half wait tho.
Graham T says
Sara. I know Welcome Finance are now insolvent but you can claim PPI through FSCS. Is it possible to pursue unaffordability claim through the sameroute?
Sara (Debt Camel) says
No. See https://debtcamel.co.uk/wonga-not-covered-by-fscs/ for why.
Graham T says
I meant unaffordability against Welcome
Sara (Debt Camel) says
what sort of loan was this? Shopacheck?
Graham T says
It was a secondary Mortgage ( secured ) loan. Is it possible to claim this via FSCS ? Or is it just a case of forgetting it ? It’s paid off, in full.
Sara (Debt Camel) says
no, the FSCS doesn’t cover any lending. Glad you have paid it off, they were horrible traps.
Andy says
It is a travesty (for want for something more suitable to put) that they did not cover it.
Oh well I know it is what it is :) could of been worse too pot could of been empty before it reached the unsecured creditors.
Zoe says
Hiya. Ive been on phone almost two hours and still waiting!! Should i keep going or give up!! Ive been trying to change bank details for over a month. Ive sent lots of emails with no confirmation. Ive called in the past to no answer, emailed numerous times and even contacted Grant Thornton but no confirmation!! Not sure what to do!!
Zoe says
Update!! Waited two hours. Very hard to hear them and then was pkaced in a loop made to sound like a friendly gentleman asking for case reference, full name, date of birth and then mumbles something and he repeats, ” hello” before a phone rings and your placed in the same loop. Happened about 10 times. First two I thought was a genuine caller. Eventually after pushing every button it reconnected. He confirmed last four digits and claimed he was sending email. Not had it yet. He said no one knews anything and that its the AIM to send this week. His words were we would know before they did!! Which wasnt helpful. I asked if people will definetely get emailed today and he said that is unknown!!! Two hours!!! No idea what my phone bill will be!!
Tracey says
Hi
I have just been on the phone to wonga in regards to my bank details again. The girl told me there was nothing uploaded then put me on hold and never came back on the line i waited 1hour and a half to get through to them. I have just uploaded my documents again for a forth time and i am calling them again to get this sorted this has been a big farse from day one. Does anyone have any advice of what to do now
Sara (Debt Camel) says
sounds like you are doing everything you can :(
Nicholas Haynes says
I have never received a change of details form, only a total amount owed breakdown. I’m a little concerned about whether I will receive what is owed to me
Sara (Debt Camel) says
have your bank details changed?
Dan says
Hi Sara
Do you have any experience with dealing with dot dot I have sent off 3 email complaints to dot dot, lending stream and satsuma, both satsuma and lending automated email responses fairly quickly and following day satsuma asked for more info, but nothing from dot dot
Sara (Debt Camel) says
please ask this on https://debtcamel.co.uk/payday-loan-refunds/
Rick says
In uploading new bank details, I just clicked the link and uploaded two documents – I didnt have to login or anything and have not received any confirmation that bank details have been updated.
Can I just assume that they have been received and updated?
Sara (Debt Camel) says
that is what has happened with many people.
Marc says
Sara, are 100% going to know the % payout today? Lots of should and wills but is it a certainty? Cant stand keep checking my phone every hour
Sara (Debt Camel) says
I have no insider information on this,
Dave says
First Wonga said we would be emailed on the 27th, that then became the 29th and today someone on here has reported that it will be between now and Friday for the email. They will of paid the money into our accounts by the time we get the email telling us how much we are getting at this rate!
Eion says
I’m not holding my breath to be honest lol