Wonga tried to take ~£500 from me today - I've never used it
Discussion
wst said:
just remember to keep an eye on your statements, people!
and keep an eye out for missing mail - someone was pinching the mail from a guy at work out of the letterbox in the block of flats they lived in (just putting hand through opening) - had applied for quite a few cards etc.DWP said:
Aut quaeram vos volo respondit aut develope sensu humor.
Humor perfectam rationem habeo. Es iustus non mauris.Think I've got all of the useful information out of this thread, thanks! And hopefully it won't happen to you. (Even if they weren't a scummy service with stupid interest rates, I'd not go to Wonga just because they have stupid, stupid adverts. I avoid gocompare as well, for the same reason. Stupid adverts.)
XDA said:
sugerbear said:
streaky said:
There is a low level of compromised PEDs in use. Some petrol stations have used them.
Streaky
PED - Performance Enchancing Frug or Pressure Equipment Directive ? Streaky
Streaky
streaky said:
XDA said:
sugerbear said:
streaky said:
There is a low level of compromised PEDs in use. Some petrol stations have used them.
Streaky
PED - Performance Enchancing Frug or Pressure Equipment Directive ? Streaky
Streaky
Garvin said:
streaky said:
XDA said:
sugerbear said:
streaky said:
There is a low level of compromised PEDs in use. Some petrol stations have used them.
Streaky
PED - Performance Enchancing Frug or Pressure Equipment Directive ? Streaky
Streaky
Streaky
Garvin said:
streaky said:
XDA said:
sugerbear said:
streaky said:
There is a low level of compromised PEDs in use. Some petrol stations have used them.
Streaky
PED - Performance Enchancing Frug or Pressure Equipment Directive ? Streaky
Streaky
I wondered though, exactly how do Wonga process the cash advances and subsequent repayments. If its by your card then surely the money would have to be deposited into the account the card is linked to and any subsequent repayment would have to be made by direct debit against the bank account which wouldn't be recorded on the point of sale transaction so there is no way the account number could have been cloned from the card (unless the card issuer is very sloppy and included the account information on the card or in some of the discretionary data within the chip.
Apologies, I know nothing about how wonga works but I dont see how a card could have been cloned from a POS/ATM terminal to get the informatin required.
streaky said:
Garvin said:
streaky said:
XDA said:
sugerbear said:
streaky said:
There is a low level of compromised PEDs in use. Some petrol stations have used them.
Streaky
PED - Performance Enchancing Frug or Pressure Equipment Directive ? Streaky
Streaky
Streaky
I was quite sure what a PED is as I setup and install them! And yes, they are very easy to compromise!
sugerbear said:
Garvin said:
streaky said:
XDA said:
sugerbear said:
streaky said:
There is a low level of compromised PEDs in use. Some petrol stations have used them.
Streaky
PED - Performance Enchancing Frug or Pressure Equipment Directive ? Streaky
Streaky
I wondered though, exactly how do Wonga process the cash advances and subsequent repayments. If its by your card then surely the money would have to be deposited into the account the card is linked to and any subsequent repayment would have to be made by direct debit against the bank account which wouldn't be recorded on the point of sale transaction so there is no way the account number could have been cloned from the card (unless the card issuer is very sloppy and included the account information on the card or in some of the discretionary data within the chip.
Apologies, I know nothing about how wonga works but I dont see how a card could have been cloned from a POS/ATM terminal to get the informatin required.
http://www.thisismoney.co.uk/money/cardsloans/arti...
All you need is a compromised PED to collect credit/debit card details.
Hmm, so it could be the PED or one of the self-service cashpoint things in Morrisons, the PED in the petrol station, or the ATM outside of morrisons, if those things are so prevalent...
It's worrying I don't use my card much and they still got me... and there I was, trying to use it more so I didn't accumulate many pounds (both weight and value) of change over each year...
It's worrying I don't use my card much and they still got me... and there I was, trying to use it more so I didn't accumulate many pounds (both weight and value) of change over each year...
Edited by wst on Monday 8th October 23:38
I'm sure people do. If you actually go have a play on their site, if it's a very short term loan like a few days (maybe you get a puncture are out of spare cash before payday and you need a new tyre to get to work and pay it back three days later) Then you only pay about a tenner for borrowing say £200. This is steep interest when using the APR calcs but in the grand scheme of things it's only a tenner.
The issue with these credit places are those people who borrow for the last week of the month but then don't adjust their budget and the last week becomes a fortnight and then three weeks, etc so they're forever rolling over or applying for more credit and sink under the burden.
The issue with these credit places are those people who borrow for the last week of the month but then don't adjust their budget and the last week becomes a fortnight and then three weeks, etc so they're forever rolling over or applying for more credit and sink under the burden.
wst said:
Hmm, so it could be the PED or one of the self-service cashpoint things in Morrisons, the PED in the petrol station, or the ATM outside of morrisons, if those things are so prevalent...
It's worrying I don't use my card much and they still got me... and there I was, trying to use it more so I didn't accumulate many pounds (both weight and value) of change over each year...
PED's can be compromised very easily via a number of simple methods.It's worrying I don't use my card much and they still got me... and there I was, trying to use it more so I didn't accumulate many pounds (both weight and value) of change over each year...
Edited by wst on Monday 8th October 23:38
XDA said:
wst said:
Hmm, so it could be the PED or one of the self-service cashpoint things in Morrisons, the PED in the petrol station, or the ATM outside of morrisons, if those things are so prevalent...
It's worrying I don't use my card much and they still got me... and there I was, trying to use it more so I didn't accumulate many pounds (both weight and value) of change over each year...
PED's can be compromised very easily via a number of simple methods.It's worrying I don't use my card much and they still got me... and there I was, trying to use it more so I didn't accumulate many pounds (both weight and value) of change over each year...
Edited by wst on Monday 8th October 23:38
It's pointless capturing the chip data because if it's a chip tranasction you cant use the information to replay (as long as you use DDA or CDA authentication or if the processor has implemented EMV poorly). Bank account details dont need to be stored on the card either, just the card number.
I thought Wonga worked by you supplying your bank details and them sending a faster payment same day to credit your account followed by you paying the amount off (or maybe a direct debit). Its the second bit I dont understand, do you have to log on to repay the money or do they collect via a direct debit ?
Might be best to make sure that this is actually sorted out with Wonga. From what I remember from the Watchdog thing, they would continue to keep taking money even after being told numerous times that there was a mistake/fraud.
I'm guessing that this could eventually result in a black mark on your credit report if they continued to treat it as non payment.
I would want something in writing from them to this effect if it were me.
I'm guessing that this could eventually result in a black mark on your credit report if they continued to treat it as non payment.
I would want something in writing from them to this effect if it were me.
kooky guy said:
Might be best to make sure that this is actually sorted out with Wonga. From what I remember from the Watchdog thing, they would continue to keep taking money even after being told numerous times that there was a mistake/fraud.
I'm guessing that this could eventually result in a black mark on your credit report if they continued to treat it as non payment.
I would want something in writing from them to this effect if it were me.
Me too. It's important to find out whether the loan was taken out in the OP's name, or just that the card was nominated to take payments from. If it was a debit card, then mis-keying is unlikely because there is a check digit and the expiry date would need to match.I'm guessing that this could eventually result in a black mark on your credit report if they continued to treat it as non payment.
I would want something in writing from them to this effect if it were me.
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