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?
Wendy says
Hi all
Waiting on now 50 mins customer care team Wonga as told if my payment not arrived today to contact on Monday. All they say is experiencing technical difficulties. I am not sure if I believe this!! They are clearly not answering today. I will be very surprised if I see my £112 redress and can no longer continue chasing this, as making me annoyed and more stressed. We could all do with this extra money whether to pay bills, to get through month etc. and If I am going to receive this money it was to go towards my 50th Birthday Holiday in September. The communication has been poor and now I have just been cut off my Wonga!. I did not originally pursue this claim, they wrote to me about it. I changed my bank details with them on my online account in November. I doubled checked details. I have phoned 4 times over the last month and checked bank details with them 3 times and all correct. On Friday afternoon was told that payment had been made to me but they could not see status until Monday, they could not tell be how or when this has been paid. I have no idea what is going on tbh but I can’t spend all my time stressing about this payment, but I agree the situation should have been orchestrated in a more efficient way and I am far from happy!!
Ryan says
I received this email in the last 5 mins who is the 3r partie?
Third party reference:
Thank you for your email.
We can confirm that your payment was successfully sent to your Third parties account number ending inPlease check with your Third party for the amount of £43.01.
Sara (Debt Camel) says
Did you use a Claims Firm?
Ryan says
Just claimed it back through wonga when I received the very 1st email about the compensation.
Ryan says
I have just whent through old emails and seen this,but I’ve not heard from this company atoll.
We are writing to inform you that Fast Track Reclaim has registered a claim for redress on your behalf.
Please reply to this email confirming that:
The letter of authority they have provided is valid and that you are happy for the Joint Administrators to communicate with Fast Track Reclaim in respect of your claim; and
Whether, in the event that your claim is successful and you are due a payment, you would like us to make payment to you or to the CMC.
Sara (Debt Camel) says
Do you mean you never used them? Or didn’t hear from them after Wonga went under?
Ryan says
I was made aware of the money I was owed yes but no the fact it had bn sent somewhere else so I have just contacted fast Reclaim thy said wonga had sent a load of money to there account for them to sort out the rest of the claims.thy said they would be sending cheques out in nxt 2 weeks and the little amount we where all ready getting they are now taking a fee aswell
Sara (Debt Camel) says
Sorry, you chose to use a Claims company
Ryan says
Actually I never chose to use thm it was sent to thm with loads of other people’s money without my knowledge
Sara (Debt Camel) says
Sent by whom?
Chris says
How is it they say the have already paid out over 410000 when according to their final figure further up they have only accepted under 402000 claims as being valid and 43000 of these still owing a balance. This just goes to show how full of bs they really are I have a good mind to go to get Leeds and sit and wait until someone speaks to me either that or maybe a demo outside to really make people see how bad they are but before I go I will invite all the local press and news along too. Hopefully something might be done about gt then as going on past history they seem to be very poor at handling administration and that’s why they have been fined in the past too
Sara (Debt Camel) says
Details of how to complain are in the article above
Chris says
But as you say wont do any good only way to hurt gt is by the media
Sara (Debt Camel) says
In theory it could get them fined. It’s up to you what to do.
Nick says
There’s just absolutely no point in emailing or ringing anymore. I’ve messaged the administrators saying if it was the other way around then wonga wouldn’t care about ‘my technical difficulties’ they would simply add interest on top of what I owed until paid. So I’ve simply asked in a nice manner whether I’ll receive the same. Don’t expect a reply not do I expect compensation on top of the payment. Just completely give up with them now
Jonathan Hartill says
Sarah(Debt Camel) are they payments this week and next week? Or next week and the week after?
Sara (Debt Camel) says
I was told this week and next week.
Jonathan Hartill says
Thank you. I will wait impatiently. Haha
Jamie Sowter says
Wonga confirmed they had the right account number to me and I have been paid so they are clearly making excuses. I emailed those three named people and no response at all. Pretty much giving up on it. Wonga and the administrators are a joke.
Neil says
I’ve given up now I genuinely don’t think we will get paid out now. It’s all just excuses and no consistency within the excuses
Christopher Anderson says
Why would bank details be relevant when redress is being paid to a CMC ? My bank details, Email address & Address have changed around 5 years ago but I’ve been through the correct procedure of changing my address/Email & bank details through Wonga/Administrators and my CMC (last year in plenty of time) all of which have been verified, so to say that there’s been a mix up is a poor excuse, these shouldn’t be allowed to get away with this, it’s obvious for a lot of us no payment has actually been paid or attempted to be paid, surely this is illegal?? My CMC have said they have contacted Wonga several times only to be fobbed off, this is so distressing, my redress was £4188 and will receive £179 which is an insult in itself but I have no other option to accept that but to not pay us at the promised date is totally unacceptable, it’s about principal for me now, I will be making a complaint to the Insolvency gateway later today.
Shôn says
I received an email from wonga after complaining I had not yet received my payment, stating that my payment would be made by BACS by the end of that day (Friday 28th February) I am still waiting for said payment. I’ve emailed them twice since then and both times had an automated response. Can anyone advise on my next move? All bank details were updated in plenty of time, and confirmed that they have been changed. I’m at a loss as to what to do next.
John says
Hi Sara – Do you, in your opinion truly believe that all those who have not been paid will actually receive what they are entitled to in the end?
Sara (Debt Camel) says
Yes, GT are not running out of money!
Pete says
Has anyone managed to speak with Wonga today?
My details were correct and I was told I would receive a payment today so the latest update from GT is galling to say the least.
William Fenton says
Same , think we’re being fobbed off. No luck getting through
Debbie C says
Hi Pete,
Seems no one can get through to Customer Services today, like you I’m still waiting, have now been told by email that it will take another 2 weeks, getting beyond a joke now
Drew says
My details were correct, I was one of the first to get the redress email confirming my payment amount, but I’ve still had nothing. I’ve emailed them 3 times regarding this but no one ever replies.
M says
I think the saddest thing about all of this is that it highlights just how awful companies like Wonga and all the other payday loan companies are by preying on people who are, more usually than not, in a desperate situation.
I am fortunately now in a position where I won’t miss not getting the pitiful redress amount so if I do eventually receive it then it will be a little bonus, but seeing how angry people are getting about not yet receiving what little amount they will be receiving is deeply troubling and surely the sooner all payday lenders go under the better.
I am just pleased to see them falling and if I could give my redress back and it would mean they all go out of business then I would do it in a heartbeat.
Lynne says
So do we just sit here and wait for an email from them or keep checking our bank accounts every hour like we have the last month?!! They should absolutely be held accountable for this monumental cock up.
NN JOHN A SAVAGE says
It is impossible to speak with anyone at wonga nobody answers the phone
I was told on January 27 I would receive a payment within 4 weeks I still haven’t received anything
Will says
The statement this morning makes it sound as if payments are continually being made. Is that the case? Has anyone been paid today? I will post as soon as I get mine. Would be good to get a really frank and honest message from them.
FYI I’ve not changed my bank details, had all emails and still had no payment from them.
Debbie says
Received this email just now if this helps anyone.
Dear Miss Debra ***
Case number: ********
Thank you for your email.
Thank you for your patience whilst we are in the process of sending payment to your account.
We have previously informed you your payment will be made by the end of February 2020. We have experienced a slight delay with a small number of cases and will be processing the payment to you within 2 weeks.
Kind regards,
The Joint Administrators
Denise Fitzgerald says
I haven’t even received an email today! Should I worry? I emailed Wonga last week and haven’t had a reply yet
Debbie C says
They seem to be replying to emails very slowly, my email reply was from one of the administrators, contacted him because I couldn’t get a reply from customer care.
Jax says
This bits added on at the bottom of the same statement as the website when you email them.
Bank amendments/ validation for customers whose payment failed/bounced
The Joint Administrators intend to make a further payment to customers whose payment failed. However, the timing of the next payment is dependent on when you are able to provide us with valid up-to-date bank or address details so that we can process the payment. Customers will be emailed to confirm that they are in this position.
To amend your bank details, you will be sent a link to a secure page which you will be required to follow instructions to allow you to update your details. We recommend you attend to this as soon as possible to ensure that payment to you is not delayed.
If you have uploaded your documents to the link to our secure server, we have received them and will review them as soon as we are able. You will receive a confirmation email as soon as we have done so.
Nonsense, as it seems most people who’ve yet to be paid have the exact same bank details for years and have confirmed with Wonga multiple times. They asked for mine 5 different times and I provided it each time. Such a mess :(
Ely says
Massive thank you due to Sara for keeping us updated.
Recieved all emails, not changed banks and still waiting for my £155 (from £3500+)
Seriously disappointed with all the major blows we’ve all had.
Sam says
Thank you for your email.
Thank you for your patience whilst we are in the process of sending payment to your account.
Received an email today after I emailed wonga (no communication from them other than the end of Jan email)
We have previously informed you your payment will be made by the end of February 2020. We have experienced a slight delay with a small number of cases and will be processing the payment to you shortly. We do not have a precise date for payment to be made. However, we will update you in due course to advise you of when this payment will be.
I don’t believe they will update me. Losing hope. Shambolic false communication’s from the administration.
Lisa says
My email was the same but said they’ll contact me when payment is to be made, nothing about 2 weeks 🙃
Liz says
I got the same email. I don’t believe a word Grant Thornton say. They should have paid EVERYONE within those 4 weeks.
If I was so uncaring and unprofessional in my job like they have been I would lose my job. They treat us so badly because they know there’s nothing we can do.
Kevin T says
Bank details haven’t changed at any point during this process or even since I started using Wonga all those years ago and I have not had a penny yet.
I am only owed 90 quid which I’m not exactly desperate for however it is a matter of principle now. I received all of the emails that you were supposed to get and none of my details have changed so this is very perplexing.
They are definetly at it and have made a big mess of this process. Hands are tied as to what can be done as phone calls go to voicemail and emails go unanswered.
Dionne says
I’m actually stating to feel slightly depressed by this whole situation so I’m just going to let it be :(
Marianne says
I like many other expected to be paid on Friday at least. I called customer services to question what was going on as I have not recieved the 4.3% email either.
Wonga explained that my payment was being made to an account ending in a four didget number that I did not recognise.
After looking through years of emails while on the phone i realised it was a very old hsbc account that was inactive and deleated.
I panicked and questioned how on earth they had this account still on file as only my first loans going back to 2010 would of been paid into it.
The advisor told me he will cancel the payment ( prooving it had not been sent) and I will get a cheque in the post in the next few days.
I did not recieved any emails in this process about confirming bank details and I just assumed it would be paid to my current account on Wongas portal ( the last account my loan was paid too) I think they keep the very first bank account details on file when a customer registers and use that.
Lesson here is to make absolute sure that they have the correct details so a call to them may be advisable if you have not been paid.
When the guy told me the last 4 didgets my heart sank as I knew it was wrong…..
Hope this helps :)
Still holding my breath for a cheque.
Bruce says
Anybody found out why all of a sudden it’s a BACS payment or cheque and not faster payment as it was for the vast majority?
Sara (Debt Camel) says
I asked and was told the banks had requested they change as BACS is more suitable for mass payments.
David l says
I’ve been told by someone that they have to pay £12.50 to send fast payments so probably the real reason why they have moved to bacs
Sara (Debt Camel) says
I think you can assume that GT were aware of the cost of sending payments by faster pay or BACS before they started the process. So the cost can’t be a reason to switch after a lot of the payments had already been made.
Dave l says
Yeah that makes sense I guess it’s just a matter of waiting really I’m sure they will sort it as soon as they can they probably want this over as much as we do
DC says
Faster Payments actually has a file volume and value limit, and should’nt be made for payments over £250,000, where as BACS can handle files of up to £2.5 million – so unless they submitted multiple payment runs ( there are 5 a day ) – it is possible a lot of the FPs have been rejected by ETL and now they have to reconcile and compile all this information back into a BACS file.
Rach says
I have been following this thread throughout my wonga journey. I have tried to contact my cmc on numerous occasion and it looks like they have up shop and closed there company down! I was using ‘PayDay Refunds’ every email I have sent has been undelivered and numbers aren’t working. Wonga can’t give me an answer of where my money is going! I haven’t been paid yet either but only waiting on £104. Bank details etc are all correct, haven’t had any emails since end of jan.
Anyone got any ideas on what I can do?
Paul says
I used this cmc too. Contact barings law because that’s who they passed my claim onto. It’s worth a shot. They are not the best to deal with though.
Helen says
Morning I also used payday refunds as on my email I have have a third party reference number as well as a case number. I hear this cmc is no more will I get it straight into my bank? As I have confirmed my bank details with Wonga but at that tone did not know about the cmc.
Thanks
Toni says
Payday refunds have ceased trading, did you check the bank details on the email from Wonga? If they are yours and correct the money will go to you direct not through the CMC so you won’t have to worry.
Rach says
Hi yes I have checked my bank details and they are correct. I didn’t even know they had ceased trading. It wasn’t until I wondered if my payment had gone to them so went to email them. However I haven’t had an email from wonga about the delay in payment. So that prompted me to call.
simon says
3 times verified last 4 didgits on account. Last time was 2 week’s ago.
No reason to have not been paid other than GT have been scammed / ripped off …
Given up on this….shambles.
Sara (Debt Camel) says
see comment below from Amy.
Terry says
Good morning all
Yesterday afternoon I finally managed to speak to a very helpful lady at GT (unless of course I have been fobbed of again)
She took my detail to see if there had been a problem with my payment ie: wrong bank details, sent a cheque, paid to a cmc or any other problem that you can come up with.
She said that she would check my details and get back to me by the end of the day (I thought here we go again) within an hour she had phoned me back with some interesting information. She confirmed that all of my details were correct including my back details that had changed in October 2019 and no payment had to made yet as i was grouped in the 2nd batch of payments which had not yet started ( which makes me think there was always going to be an exstention to the date set) she also told me that if I had not received my money by the 13th I was to ring her back and she will follow it up, the payment in question was also confirmed to be a BACS payment as the bank audit team have requested this.
I found this this very interesting as I know some people have been told that GT had not access to records and needed to contact Wonga.
I will now wait until the 13th to see what happens I hope the above helps put some peoples mind at rest.
Amy says
So I’ve woke up to an email from lucy at GT sent just before 10pm last night after I sent a sturn but polite email requesting my case be looked into individually and not fobbed off with more generic emails sent to the masses and this is what was confirmed..
On review of your case, I can see that your payment was not able to be processed as the details that we had for you on file at the time of the first payment run was in the incorrect format (your bank account was had 5, not 8 numbers).
So despite confirming with wonga three times and sending correct details three times, I’ve still been input wrongly on the system. Even up to last week they confirmed the last four digits of my account which were correct!
What a total cock up, I’ve emailed wonga now to send me a secure link to ensure they try again with the right amount of digits! Simple things like this have turned into a huge mess on their part.
I do suggest you all take the time to contact wonga and ensure this hasn’t happened to you as so many are saying they’ve had details confirmed as correct. I was the same! Don’t give up, the money will have to come to us eventually and I haven’t fretted so much up to this point to walk away now!
Sara (Debt Camel) says
Interesting. That may be the sort of error they are now trying to pick up in the audit of payments they have referred to.
Ryan says
I phoned wonga on Friday and they had the correct details. There message on the website is the biggest load of rubbish ever. Something more sinister has happened here. I garentee I don’t get contacted. Iv said it once b4 they have run out of money and are just buying time to find a solution.
Sara (Debt Camel) says
I disagree. I’m not publishing any more comments saying they have run out of money today.
Dave l says
They have experts who work out these money’s find it hard to believe they have run out of money tbh
Jason says
Globally their revenue in 2018 was $5.5 billion dollars so thats honestly just nonsense. It’s a big massive admin cock up that’s the issue, not funds
Robert Gough says
Waited until end of Feb like everyone thinking they will finally pay it . No money so took Sara’s advice and emailed – got a response that others have reported along the lines of “saying there’s been a slight delay , but you will get your payment shortly but can’t tell you when and we will email you when we know and get back in touch with us if you haven’t had it by 13th March!! That’s a complete joke – they can’t do anything to the times they promise . I’ve made so many phone calls and so I replied yet again to the Wonga email and the IP’s saying I want specific answers about my case . It’s just a fob off and every time it’s a paying soon message but it doesn’t happen!! I’m very sceptical of the entire handling of this !! The irony is there has Been nearly £2 million of the assets held back to wind up the company – well not sure who is working there because all I get is the woman who tells me payment Shiism have been at the end of that week . Surely if they have to pay every individual account then they must be able to see every individual bits of detail. In my final email to the IP I have said that they have 24 hours to explain the delay or I’ll be complaining about the individual IP’s on the Website link that was shared – after all these muppets are in charge of the quick quid and a couple of other similar administrations . For the fee that they take this is not value for money
Ruby says
An email i received back from my email to Chris laverty. It may help some.
Dear Ruby,
I write in reference to your email to Chris Laverty below.
I apologise that you have not yet received your redress dividend payment.
As requested, I have looked into your claim and can confirm that you were part of the payments that were held back to finalise the process and the auditing to ensure that the payments were made to the right bank accounts.
I note that you were represented by a Claims Management Company. However, we have your claim as down to be paid directly to you on account details ending ****
The total value of your dividend payment is £112.88. The Joint Administrators are working to ensure that you are paid as soon as possible. You should receive this payment within two weeks.
Sara (Debt Camel) says
Good that you gave a detailed reply and you now know what is happening in your case. Ie they gave the right bank account, they aren’t saying you have Been paid of that a cheque has been sent.
If everyone else was told this, people would be less worried.
Liz says
I got the same email. Just another automated reply to everyone like usual.
Sara (Debt Camel) says
That isn’t an automated reply. Someone has checked if you have already been paid – answer No, so now you know the payments hasn’t gone to the wrong place or been sent by cheque.
Lynne says
Still no payment and like many others my account hadn’t changed. I fear I’ve lost my £551. Just when I need it the most. I can’t even begin to tell you the amount of stress I’ve had/having over this.
Sara (Debt Camel) says
Have you emailed the Insolvency Practitioners? See top of article above. Some people are now getting detailed replies saying what has happened in their case – if you get told it should put your mind at rest.
GimmeMyMoney says
But they are picking and choosing who to respond to.
I emailed all three on Friday and no response. Just the bog standard reply from Wonga.
The insolvency search link you provided returns no results when searching for Laverty. Someone also mentioned on Friday they had a bounceback as the email address were not on the server.
I, along with the 10% have been more than patient and if they are now trying to suggest it was always going to take longer why give the four weeks deadline out?
Sara (Debt Camel) says
A search for Chris Laverty works:
Miss CHRISTINE MARY LAVERTY
Grant Thornton UK LLP
020 7865 2302
Chris.M.Laverty@uk.gt.com
IPA
Lynne says
I’ve emailed Chris Laverty et al if that’s what you mean? I did that last Thursday and still nothing.
Sara it says above there are three practitioners but can’t see the name after Daniel Smith?
Sara (Debt Camel) says
I have updated the article with the details that you need.
sarah Whitford says
I have also emailed them on Thursday of last week and had no reply at all from anyone. Rather annoying to be honest
Ruby says
My thoughts exactly. I know a lot of people have had automated replies, it was reasurring to have a personalized reply. And to know exactly where my money will be paid to. I shall now wait the 2 weeks and if still unpaid without any update, I shall contact them again.
Chris says
It seems to be the majority on here are represented by a CMC, I asked the question whether they had received payment, rather than in come direct to me as requested, they advised that they are still to allocate payments to files, luckily Wonga replied to my email to clarify , see below:, it’s probably worth checking with your claims companies, this is after Wonga confirmed my bank details
Thank you for your email.
We can confirm that your payment was successfully sent to your Third party account number ending in 9253. Please check Third party for the amount of £62.35
Sara (Debt Camel) says
It seems to be the majority on here are represented by a CMC,
No I don’t think so. I just think the CMC situations are more complicated so they get discussed more often.
Ronnie says
I’ve noticed that people who claim to have received their payout, that it has been for small amounts under £100. I, like many others still waiting have all been promised in excess of £100, maybe just a coincidence? Now my cmc invoice is overdue, I’ve had same bank details for 20 years, not moved, cmc haven’t received my money, and confirmed with GT details were correct last week
Sara (Debt Camel) says
It is a coincidence – Lots of people with claims over £100 have been paid.
Shell says
No dont really waiting for 2 claims got the other for over 100 the one for 60 stilling waiting I dont think there is any pattern at all
Ronnie says
What sticks in my throat the most, is that I began this ruddy claim in 2017 before they went into administration
Kyle says
I also sent my claim back in 2017 I also had a claim with quick quid worth £2000 and was told last year I would receive the money on the 16th and then that never happened 3 days later then went in administration aswell and told me I would not receive the £2000 all these companies lies cheat and deceive vunrable people and get away with it and it’s shocking and am still waiting on my claim from quick quid even though they still deal in America and also waiting on my redress from wage day due end of may I believe I wonder if the same thing will happen I don’t think I can cope with all 3 companies with the stress alone for being young and stupid taking out these loans
Kerbear says
Can I ask – does this mean that the payments left outstanding has had problems with their bank details, or am I reading this wrong? I’ve not changed anything – so they had my correct details. Slightly concerned as have moved address. Thanks
Sara (Debt Camel) says
I think you need to find out what has happened in your case. Email the IPs – addresses in the article at the top.
Nath says
I’ve emailed the practitioners again as they haven’t replied back from last week.
Sara (Debt Camel) says
if you don’t get a reply you may want to consider sending a complaint through the Insolvency Service gateway, see top of article above.
Nath says
I have just received a response from an assistant manager at GT. They are looking into my case.
Amy says
If they’ve only confirmed last four digits check the whole number!
They had the correct last four for me but only had my account number as 5 numbers instead of 8!
They failed to tell me that when they confirmed it three times
Christopher says
Have any bacs payments started coming through? It’s already day 2 of the first week and I’ve not seen anything yet?
Sara (Debt Camel) says
So far as I know, none have yet been made. they are going through some sort of reconciliation process before submitting them in two batches.
Jason Price says
We should all complain to the fca or ombudsman as the delay could make us consider taking out a payday loan out of sheer desperation forcing us all back into the same cycle of debt… Again
Sara (Debt Camel) says
You can’t complain to either the FCA or FOS about the conduct of an administration. If you send a complaint you will just get a reply at some point saying that they can’t consider it.
The only way you can complain is through the Insolvency service. If you want to do this, I have provided details at the top of the article above.
Andy says
Glad i found this place, i thought it was just my email and phone call they were ignoring. 50 min on hold yesterday and no answer. Guess ill waiting another week before trying to correct them.
Lynne says
I just got this reply from the Assistant Manager of Grant Thornton 🙄 This is in response to me actually begging them to look into my case. I explained I’d been off work for 3 weeks with anxiety and stress surrounding this claim. I also said Wonga had confirmed my bank details on multiple occasions so there was no reason whatsoever why I shouldn’t have been paid by now.
Dear Lynne,
I write in reference to your email addressed to the Joint Administrators of WDFC UK Limited (trading as Wonga).
We are looking into your matter and will provide a response as soon as we are able.
Lauran says
I got exactly same reply!!
Peter Collin says
Hi Sara – has there been any explanation as to why many of us were told that we had been sent BACs payments last week? I’ve tried contacting Wonga since but it now appears they are not taking calls.
Sara (Debt Camel) says
No explanation. A charitable explanation would be that the customer centre in South Africa told you what they thought was happening but as the payments were being made by GT they didn’t really know. A less charitable one is that they said that to get you off the phone.
Sean says
Good morning everywhere,
So ive just got off the phone to the 3rd party to ask when my payment will be sent to be and they have told me that it will be sent out through BACS either today or tomorrow but ill have it by Friday either way,
If anyone else has gone through this route id say maybe phone up and ask as hopefully it shouldnt be too much longer for you either!
Peter says
Sorry, not sure if I’ve missed something but who is this 3rd party to whom you refer?
Thanks
Sara (Debt Camel) says
it is a claims company.
Lisa says
I e-mailed the 3 people mentioned and the person who deals with GT’s complaints on Friday, nothing.
I left multiple voicemail messages for various GT people on Friday & yesterday, nothing.
So yesterday I emailed the CEO for GT UK, and overnight I received a personalised reply from a member of his team, which addressed several points I had made.
Still not sure why I am waiting (for £556) as my details were changed last October and confirmed numerous times by Wonga since, but they have definitely looked at my specific claim from they info they gave me, like the fact it was first started by Pay Day Refunds (before they went bust).
They assure me I will be paid within 2 weeks – we’ll see…
Andrina says
I also are still waiting emailed Daniel smith at GT on Friday and this morning also mailed Wonga and have checked my bank details numerous times are correct and am still waiting on a reply
Debbie C says
Response I received this morning is as follows:
Dear Debbie,
I write in reference to your email addressed to the Joint Administrators of WDFC UK Limited (trading as Wonga).
We are looking into your matter and will provide a response as soon as we are able.
Kind regards
deb says
I have had a very short reply from Liz Lazell – Assistant Manager and R&R from DT stating they are looking into the matter and will provide a response as soon as they are able.
Fingers Crossed as I know we and net getting and R&R x lol :) x
Joe says
I’m one of the many still waiting for my refund, albeit only £36!
Thought I’d try my luck with Safetynet credit, sent them an email on the 18th Feb, received an email yesterday saying they have accepted my claim and i’ll have a £218 refund in my account by Friday! Every cloud I suppose!
Sara (Debt Camel) says
Great! Everyone else should also loom at potential claims against other high cost lenders.
Safetynet credit is handled in the same way as other Payday loans (but SNC claims are even easier to win!) see https://debtcamel.co.uk/payday-loan-refunds/
Amigo & other guarantor loans: https://debtcamel.co.uk/how-to-complain-guarantor-loan/
Provident and other home credit: https://debtcamel.co.uk/refund-doorstep-loans/
Large bad credit lenders such as 118, Avant, Everyday Loans, Likely loans, logbook loans: https://debtcamel.co.uk/refunds-large-high-cost-loans/
Dave L says
There’s a surprise technical difficulties at Wonga again or is just they don’t want to answer the phone after fobbing off or lying to so many people that they would be paid last week.
Steve T says
It’s annoying now as all my emails have been ignored and you can’t phone them. I haven’t received this apparent email asking about bank details yet again either
Sara (Debt Camel) says
Email the IPs – details at the top of the article,
Steve T says
Already done that as well Sara
Dave L says
Already done no non cut and paste reply .
PC says
I’m not with any 3rd party company and am waiting for a payment of over £300 Thursday I was told to call back on Monday if I had not received it checked bank details etc. All correct. I’ve emailed and tried to call hanging on the phone for over an hour each time. This is really not good enough.
I’m not sure what to do next
Sara (Debt Camel) says
See the top of the article above: Ask the IPs for specific details of your case.
Tony says
still no reply from the e-mail I sent to practitioners on Friday, so if sara’s advice is not to complain I guess this is another example of people being lied to and used as door mats. It’s obvious at this point that something has gone wrong and they are not being honest at all! what the hell!
Honestly starting to think it would be quicker and easier for a group of us to turn up at their offices, my car seats four plus me and I live in Brighton, any takers? I mean there is supposedly 40000 of us???
Seriously Sara what are we to do, this is making me quite unwell, I already told the practioners on Friday I am a vulnerable adult with mental health problems.
Sara (Debt Camel) says
I’m not saying don’t complain.
I am saying:
1) there is no point in complaining to FOS or the FCA (they won’t look at it)
2) you can complain through the Insolvency Service gateway (see article above for how to do this) but don’t expect this complaint in itself to speed up you getting you your money. It may mean future administrations are better handled.
3) some people asking the IPs (emails in articles above) have had some case-specific responses so you actully know what is happening to your complaint.
GimmeMyMoney says
That “statement” from them is an insult. They never stated on the 29th that some people wouldn’t be paid in four weeks.
I’ve worked on much larger projects than this in my professional role and it really shouldn’t be that difficult.
I’m actually amazed Grant Thornton are allowing this to happen, it’s shambolic and makes a mockery of them. I can’t help but think in the grand scheme of things Wonga is small fry to GT so the people put on it are somewhat less capable than others who work on much larger and profitable projects.
sandra says
I put letters of complaints in for other lenders …just had 2 reply’s, and been offers 1 from Piggy Bank of £91.32 and Wage Day advance for £32.20….worth trying others it worked for me
Leigh says
Has anyone got through to the wonga customer care phone number this week?
Debbie C says
I’ve tried several times, can’t get through, ended up contacting GT.
DC says
ok, so doing much research i think a lot of people want this escalated and recognized as to how awful the process has been.
in march 2019 – the treasury actually wrote to the CEO of Grant Thornton on how they are going to treat Wonga customers
this address :
David Dunckley
Chief Executive
Grant Thornton UK LLP
30 Finsbury Square
London EC2A 1AG
so try and bombard email address David.Dunckley@uk.gt.com
GT don’t have a a great track record, previously been fined £3M in 2018 by the watchdog for misconduct on it’s auditing, and in 2017 £2.3M by the FRC
they clearly do not care on the values of operating a business
Sara (Debt Camel) says
It wasn’t the Treasury that wrote to Grant Thornton, it was the Treasury Select Committee – a bunch of MPs. See https://www.parliament.uk/documents/commons-committees/treasury/Correspondence/2017-19/Grant-Thornton-chief-executive-to-Chair-re-Wonga-050319.pdf. Encouraging people to complain to their MP could be a sensible move.
But where we are now, complaints about the administration need to go to the Insolvency Service, not to GT. Hence my suggestion on how to send on a proper complaint in the article above.
Victoria says
I have had an email today from my claims management company saying the following…
“The administrators have advised that they are running slightly behind on the Wonga refunds and that the settlement will be processed by the 16 March 2020.
We advise that you wait for an additional 2 weeks and let us know if the funds have still not been received.”
Dont know if this will help others that are waiting for a payout?
Drew says
Anyone been paid today?
Sara (Debt Camel) says
No.
Reah says
I received an email asking for my name dob and case number as they couldnt find me on their system I called someone was on hold for about half hour only to be told I won’t be getting paid within the next 2 weeks
Robert says
Does anyone know when the loans will be removed from Equifax credit reports? The defaults have been wiped from my TransUnion and Experian reports (over a month or two ago) but no sign of them being removed from my Equifax report. Thanks
Ryan says
I also haven’t been paid. I submitted my complaint using a third party called paydayclaimhelp, seems to be no way of contacting them as the number on their website doesn’t work. Was told by a member of Wongas customer services last Wednesday that I’d receive my money by the end of last week but obviously I didn’t. What shall I do? I’m very doubtful that I’m going to receive anything now.
Sara (Debt Camel) says
You could follow what I have suggested in the article above in Ask the IPs for specific details of your case
Paulo says
I just received an email from wonga saying my payment was successfully completed to check my bank is just phone my bank and no there wasn’t any from them
Sara (Debt Camel) says
you need to ask them which bank account they paid and when.
Ronnie says
Now just received email from wonga, saying that they don’t have me on file, that I need to respond with my date of birth and any other email address I have used in the past. I’m just in pure disbelief, my claim has been ongoing for 3 years, after enduring all their delay tactics, by ensuring details were correct, I’ve never moved, bank details are correct blah blah blah. Now they deny I even exist, where’s our justice?
Sara (Debt Camel) says
Did you get an email last year assessing your claim and saying which loans were unaffordable?
Ronnie says
Hi Sara,
Yes got all that, I’m using a cmc, in total I was to get £2500 instead £100.49,
Ronnie says
I’ve been waiting 3 years Sara, since before they fell into administration, had lots of emails from wonga for the last 3 years telling me what’s happening, confirming details, and now today they have no record of me
Ronnie says
When I called wonga 2 weeks ago, to be absolutely sure they had correct details, which they had as nothing’s changed, even confirmed the amount I was to receive, now they can’t find me, my cmc has had this with lots of their clients today, even they can’t get any communication with wonga, how can this be allowed to happen?
Lynne says
I had the same email Ronnie – twice! It beggars belief doesnt it. My heart sank when they said they couldn’t find me on their system.
Robert Last says
Hi.
I understand that payments may still be coming but I’ve had no e-mail correspondence, unlike others on this website. My bank details are correct but nothing is happening. Is there any sort of time frame for the final 10% of payments. I appologise if this has already been asked…
Sara (Debt Camel) says
The administrators said on Monday “The dividend payment process is taking longer than anticipated and payments will continue to be paid during the next two weeks.”
Shaun Overy says
I’ve emailed all 3 listed above and no reply, gonna forget about till next Friday, then I’m going to see a solicitor to sue them for what I’m owned
Sara (Debt Camel) says
Sue an administrator is not that simple! It isn’t a standard money claim, see what I wrote here: https://debtcamel.co.uk/wonga-has-stopped-issuing-loans/comment-page-35/#comment-346233
Shaun Overy says
Can take them to a small claims court fairly easily, there’s no liability here, they have issued when we are being paid but haven’t so they haven’t done what they have admitted they will do, they don’t even have the decency to reply to emails, I don’t care about the money anymore its just the principal
Sara (Debt Camel) says
No. Wrong court. As I said before:
“So far as I know you would have to take specific action against the administrator under the Insolvency Act 1986. Schedule B1 covers the conduct of an administration. You have to be very clear which part of the Insolvency Act you think the Administrator is in breach of. I think action has to be taken in the Business & Property Courts which are part of the High Court, not a local County Court.”
Jo says
I got the standard ‘we will look into it’ email today after I sent complaint on Friday! It was in my spam folder, not very helpful but to those who haven’t had a reply, might be worth checking for the reply that tells you nothing lol
Christopher Cook says
So yesterday I recived email from wonga confirming payment of £0.06p. Which was received on the 29th last month. This was a payment separate to redress. I am still waiting for my £193.00 from my complaint a pitence compared to the £4442..00 which I should of got.
I am wondering if anyone else is in same boat as wonga are now saying they that I contacted them on 29th to confirm bank details (which I didn’t) and that is why me payment has been delayed.
Lula says
I have emailed all 3 administrators and nothing in return
I am in this for the principal, it is so unfair that others have been paid and for no apparent reason we haven’t,
I think the government should intervene here and make sure we are paid.
Sara (Debt Camel) says
I think you will be paid in the end. If you don’t have a reply about your case by the end of tomorrow think about sending a complaint in as the article above says.
Shell says
Got one payment waiting on the second (this one in my name ) who knows where that is
But my new credit report is out today and wonga has now gone off it and my score has gone up
So am pleased about that.