Well done Wonga.com ..... Almost !

After my last rant about Wonga.com and their failures to bother to contact me or respond to my emails... They did !!
Imagine my surprise when Andrew from Wonga called up and said he was aware of a serious issue and complaint I had made, and he would like to look into it to get it sorted and stop me having any more problems with my payment.
We spoke about the issue, how it had been escalated to him, and what the cause seemed to be. Andrew told me he would like to get some information then have time to look into it, and get back to me with the fix. I agreed.
As we spoke, it became apparent for a while that he thought it might be a problem with my bank account or card, and not an issue at their end. So after collecting some information from me he started to tie up the call. Before he could continue I asked him if he could take the payment there and then to stop me having to go through the hassle of sorting it out later. He agreed but with the added line that it might be a problem with the card, so a payment might not be successful.

Having spoken with my bank earlier in the day, and confirming that there was NO issue with my card, account etc, I was positive it was an issue with Wonga.
Sure enough, seconds after agreeing to 'try' and take the payment, a somewhat surprised Andrew came back on the line and confirmed the payment had gone through, no issues, and it must indeed be an issue with the system their end. No shit Sherlock !

With my mind at ease, and with the payment made, we ended the call there and agreed that he would call back later that evening after he had heard back from the IT dept.

7pm came around, and as promised the phone rang and it was Wonga again. From the offset it was made clear that there had been an issue with their system, and it was explained that my card, even though the ONLY card on file, was not set as the 'primary' card, therefore was not being used to collect payment. So in reality, rather than all the stupid emails I was getting, someone could have checked and spotted this months ago, or the system could have just spat out a 'no primary card' error. But instead its always better to blame and harass the customer, of course !

With that resolved, I was assured that it had been corrected now, and that the future payments would not have issue with them, as long as my funds were available and card didn't change. Once again rushing to end the call, Andrew again apologised and started to say his goodbye's. Stopping him in his tracks I asked if I could have the contents of our discussion in an email, as written confirmation of what had actually happened, and of the action they had taken to prevent it happening again.  This was agreed to.

20 mins later the email came through, and indeed stated all the required information for my own records.
Problem solved....................... but not the end of it.

On the day all the emails were sent to Wonga I had received the automated 'thank you' email, but none of the patronising 'better to call us' rubbish that they seem to send out when they just don't want to deal with the matter themselves. At least that's how it comes across. Every email I sent that day had all the information they usually ask for, name, email, DOB and address. Given that I had supplied all this, and received a call back, I assumed that was that.
So imagine my surprise, when 2 days later I get two more of the 'we don't know who you are, please call us' emails.

From this I can only assume that the left hand doesn't have a CLUE what the right hand is doing. Notes are not put on customers accounts, and information is not shared. All this comes together to make quite simply a piss poor customer experience.

So... Wonga, thanks for starting to sort my issue out, now maybe take a deeper look at how your contact system works, and stop sending stupid emails for no reason. Especially when you are asking for information which was contained in the email you are replying to ! DUH !

We shall tell next month if the issue is REALLY resolved or not. Watch this space on Dec 18th.

There is hope for Wonga yet

But its not quite that clear cut...

It seems my email finally struck a nerve, and I received a call from the complaints department of Wonga this afternoon, stating they were aware there was an issue, and it was clear I was upset and frustrated with the whole matter.

We spent some time checking all the things were in place, I advised them that the bank had informed me there are NO issues with the card, payments to Wonga, and that NO attempts have been made to charge my card for any amount.
Using the details on their system, and adding my CCV code, a phone payment went straight through, demonstrating there and then that there is nothing wrong on my end of the deal.

So Andrew has referred the matter to the IT department for them to look into, and hopefully they can overcome what ever glitch it is THEY are having. In the meantime I wait and hope that they can sort this out once and for all.

I have no intention of being caught in the web of debt with them again, but just hope this matter can be sorted so they don't continue to rank so highly in my list of UK's most useless companies.

So, fingers crossed eh.

For now though I can relax a little, safe in the knowledge that I was NOT at fault at any stage of this nightmare process, and that Wonga have FINALLY after a couple of months bothered to get back to me and help solve the issue.
Just a shame it took a threat not to pay, and the involvement of the Financial Ombudsman to get to this stage.

Thank you however to Andrew for getting in touch and getting the ball rolling.

Dear Wonga.... YOU FAILED !

I would like to openly discuss my experiences with Wonga, and go into some more detail about how its all worked out.

Many months back, in desperate need of a quick injection of cash, I resorted to Wonga. A friend had kindly helped me out of the bog of financial despair with them once, but I fucked up, plain and simple. Even more stupidly I missed my payment / renewal date, and was faced with paying it all off in one hit, or entering a 'payment agreement'.
Settling for the payment agreement I spoke with the team about it, and was very pleased with the experience setting it up. 2 months down the line my debit card was renewed and I screwed up and forgot to tell Wonga, so the payment failed.
I contacted them, apologised and gave them the new card details. Crisis averted, or so I though. The following month I recevied an email saying the payment had failed. I called up again, the agent had forgotten to save the card details. No big deal.
The next month, payment failed email again, I call up, this time its a system outage and the payment HAD gone through, but one system didn't tell another, so the email was sent.
Next month, payment failed, month after, payment failed.... I tried in vain to contact them to sort this out, emails, phone calls etc all covered in previous blog entries, but nothing worked.
On calling last month the agent took a payment over the phone without my authorisation, I complained but Wonga failed to get back to me, so with this I approached the Financial Ombudsman who have taken the matter on.

This month  I decided to be proactive, and called Wonga a week before the payment was due. Went through it all with the agent, and confirmed they had all the right details to take the payment on the due date.... This morning I get an email... PAYMENT FAILED! So this time, paranoid that something was wrong at the banks end, I called the bank.

First up  THANK YOU NatWest for having such a coherent bunch on both Twitter and phone banking, they are amazing to deal with and answered all my questions faultlessly and promptly.

In this conversation with NatWest it was confirmed to me that not only had no payment failed, but no payment has even been presented to them for authorisation.
Seriously Wonga, you are hassling, harassing, and upsetting me with emails saying I have in some way failed to keep up my end of the bargain, and YOU have not even asked my bank for the money.

As per my emails, YOUR MOVE !! I have called you, emailed you, tried to work with you to give you my money, the money I agreed to pay you after my own slip up..... Now its up to you. I will make NO further efforts to make payment this month until YOU contact me. I realise that you will probably ignore my emails about the matter like you did last month, and that the next things I will get are emails or letters saying you have cancelled the agreement, are going to add interest, and all other sorts of financial threats. Thats fine. IF you can't be bothered to engage with a customer to resolve matters of you OWN failures I will quite happily wait for this to reach County Court level, then explain to them the poor levels of customer contact you have, and produce the emails, and call logs of when I have tried to make payment and resolve the matter.

As a matter of principal I am no longer willing to waste my time trying to sort the matter out, and if it does require any further input from me, other than answering a call or email from yourselves, I will start to add admin fees.

So Wonga..... YOUR MOVE! I look forwards to hearing from you.