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.
Showing posts with label wonga. Show all posts
Showing posts with label wonga. Show all posts
Thursday, November 21, 2013
Monday, November 18, 2013
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.
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.
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.
Wednesday, October 23, 2013
At least someone is replying !
Thank you to the Financial Ombudsman for taking the
time to review my email and get back to me with a case number regarding my
complaint against Wonga.com
Dear Mr Snasdell
Your complaint
Thank you for contacting us. We will reply as soon
as possible – but within six weeks.
If you need to get in touch before then, please use
your reference, XXXXXXXXXXX
In the meantime, Wonga have still not managed to
overcome sending me the same perpetual automated replies, asking me to call
them, or asking for more information so they can work out who I am.
Well we have established one thing for sure.... My
name is NOT Stephen! Idiots!
I don't really expect much from Wonga, at best, the
next email I get with my name on it will probably be this time NEXT month saying
they have screwed up again and my payment has failed again !
Sunday, October 20, 2013
Are Wonga just taking the piss now?
Just got this automated template again!
But this time with a twist.
I'm positive they are just taking the piss now!!
Dear Steven,
After reviewing your email, it seems clear the best way to get this matter sorted is over the phone.
Please call us on 020 7138 8331. We look forward to discussing your account and trying to help find a solution for you.
Who the FUCK is Stephen ?
Who the FUCK is Stephen ?
More Wonga bullshit.
For the third time now, in the past couple of days, Wonga have sent me another automated reply, this time saying all is well. Still unable to get a human to look at the problem, they simply persist in sending automatic, template responses, answering nothing.
Obviously by them saying this I could be led to believe that my payment went through ok on the 18th, and in turn assume that the unauthorised payment was an extra payment they had no right to take?
Of course, if a human just took 5 mins to look at the account and explain it to me in an email it would all make far more sense, and be clearer, but no. Seemingly it's not the Wonga way!
Wonga, you continue to be a cause of stress and frustration in my weekend, so please once and for all, read the damn email I sent you, address the questions and give me a straight answer.
Oh and one more thing, that script you give the outsourced call centre..... When a customer phones up distressed and angry that YOU have failed to take a payment.... scripting the agent to ask 'so how is your day going so far' is a bit fuckin retarded! #JustSayin!
Hi Michael,Thanks so much for your patience while we were checking your account. Your payment was received and your plan remains in good standing. We really do appreciate you keeping your word. The status of your arrangement can be viewed, and payments can be made anytime, by logging into the 'my account' area of our site. To avoid any hiccups, please make sure your debit card information is up to date. If you know of any potential problems, please call us on 0207 138 8331 asap.Best wishes, Collections Team
Saturday, October 19, 2013
Dear Wonga.... you utter muppets!
So, if you had not already guessed, my previous blog entry was referring to ... WONGA.COM. Those happy little people that are great when all is going well, and I have had good dealings with before. But when anything goes wrong, they are simply UTTER SHIT !
3 months the issues have dragged on for now, with them not even being able to arrange one single monthly payment from my account without sending me shitty emails telling me how they are going to systematically drain my bank account over the next day if you dont call them immediately. And if you DO call them, the agent will just take an unauthorised payment anyway, so its lose lose suckers !
So after saying in my email I didnt want a templated response from them, and would like the matter looked at properly, this is the insulting shit they send.
Hi,
After reviewing your email, it seems clear the best way to get this matter sorted is over the phone.
Please call us on 020 7138 8331. We look forward to discussing your account and trying to help find a solution for you.
You may also find you can get things sorted by using the options in the ‘my account’ area of our site.
Best wishes,
Hi,,,,,,,,,,,,,,,,,, HI !! are you fuckin kidding my. My email signature has my name on it, my account has too, hell, even your threatening little YOU FAILED email has my first name on it, but now im 'Hi' FUCK OFF !!!
From this point in, everything goes public, nothing is a secret, and yes, I fucked up and used a pay day loan company, my bad! lol.
Wonga, your customer 'care' is an utter disgrace, disorganised, ill informed, poorly trained, and a complete polar opposite of the experience you offer when tempting people into taking loans with you.
I can see now why so many organisations have targeted you, and understand fully the stories that people like Sky News have run.
Shame on you !
Disgusted!
After a running battle with a financial company, that shall remain nameless for now, I am finally at my wits end with it all. I have just sent them the most balanced email I possibly could at this time. Right now I am full of anger and contempt with them for the way they are behaving, and can understand why they have come under such intense fire from the media over recent months.
I am of course going to follow up this matter, and forward it to anyone who might like to take a bite out of them, as well as the financial ombudsman and maybe a few media outlets, given their unauthorised activity on my bank account today.
VERY ANGRY RIGHT NOW !!
As my letter and blog writing skills show, im mind is not my own right now.
**EDIT**
In a hilarious twist, the company concerned have just replied to my email, stating they cant find a record of me, and for me to supply more information for them to be able to help me. I wonder if they have 'lost' my account finance information too, I doubt it eh !
I am of course going to follow up this matter, and forward it to anyone who might like to take a bite out of them, as well as the financial ombudsman and maybe a few media outlets, given their unauthorised activity on my bank account today.
VERY ANGRY RIGHT NOW !!
As my letter and blog writing skills show, im mind is not my own right now.
Dear Sir / Madam
I have just come off the phone from one of your agents after having probably THE worst customer 'care' ever. I am outraged at the events on the phone, as well as how your company has behaved over this matter. I therefore wish to advise you of my intentions to approach the Financial Ombudsman with this complaint.
Please see below the catalogue of errors which has lead to this issue.
A few months (payments) back my debit card was changed. Forgetting to advise yourselves, I rightfully received an email saying my payment had failed, and that I needed to call. I did so, and made payment there and then, as well as giving my details and authorisation for future automated payments to be taken.
Last month I received an email saying it had failed again. So I phoned up only to be told they could not check anything or change anything as the computer systems were down, and to try calling back later. Which I did.
I was then told that the payment had gone through fine, the email was an error, and all would be well THIS month.
Well, yesterday I received an email saying my payment had failed yet again. Not having time to stay on hold as the wait was a long time, I emailed, to which I received no response. Today I received an email saying the payment had failed, the plan was cancelled and that an attempt would be made to take the full amount tonight.
Let me just take that last email for a second and try and work this out. Your system and my bank for some how doesn't allow you to take 10% of the sum owed, so somehow the logical thing to do is to use the same system and bank details to take 100%. That makes sense doesn't it!
So, I have called your call centre again today, and this is where my biggest issue really starts. The scripted drone that I spoke with advised me that your systems were running very slowly today, so getting my details up would take a while, while waiting she asked me various security questions, and details of the existing arrangement and payments. While doing so she enquired about the agreement amount, which I told her of. Shortly after she asked for the last 4 digits of the card being used, and the security code, which I also told her. After a short pause she said 'ok that payment has gone through today'. I enquired what payment she meant, was the system showing the same as last month and had in fact collected payment. No she replied, the payment I just requested...
This is appauling that without so much as 'would you like me to try and collect a payment from your card now' or similar, she authorised herself to take payment on behalf of your company. Therefore I protest at this unauthorised payment being taken from my account in this way, and will be formally advising the financial ombudsman of my experience with yourselves. From what I see in the media, im sure it will just be one of many.
Falling into financial hardship is bad enough, without complete jokes of companies like your own behaving in the way you do.
On the ending of the conversation she also advised me that she had set up a payment plan that would come out on the 18th of each month from Nov. Once again, please accept this as my notification of intent towards your company. IF the payment fails for any reason other than fault of my own, and I receive the same automated email threatening to systematically milk my account of every penny you can, I will immediately cancel payment and willingly forfeit the settlement, with the explicit intention of taking legal action.
For the whole time, I have maintained my side of the agreement, but on a monthly basis you fail on your side time and time again, with escalating incompetence.
I expect this matter to be thoroughly investigated, and for a completely human typed, non templated response to be sent to me explaining the actions of the agent today, and explaining why oh why something as simple as this cannot be maintained.
I really hope this matter can be resolved properly once and for all.
Thank you sincerely for ruining the start to my weekend.
Michael Snasdell
PS, this letter is being published on my blog at the same time of sending. The company name has been withheld at this point out of common courtesy.
**EDIT**
In a hilarious twist, the company concerned have just replied to my email, stating they cant find a record of me, and for me to supply more information for them to be able to help me. I wonder if they have 'lost' my account finance information too, I doubt it eh !
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