Discussion
Anyone had any dealings with these?
Went to pay for something earlier and my card got declined, thought it was a bit odd as I am always in credit and got paid Friday, no DD going and spent no money over the weekend.
So I checked my bank and it appears I have been relieved off lets say £100 (actually more) from Wonga.com This is kinda odd as I have never needed one of these loans, never taken one out, and never even visited their website, yet I appear to be paying them money.
Now from what I can gather on the net, it works like this in a hypothetical situation
I take out a loan with them for £200 and it goes into my account
They ask for a bank account to use to take payment from
I tell them to take it from Person X account whose details I have gained due to being a thieving scumbag
Person X is then relieved off £200 plus 2334% APR
From what I can also gather Wonga will charge 10p a minute and never answer, and always seem to be uninterested in fraud.
I have also read that they can keep taking payments once they have your details.
So plan of attack?
I have already
Informed bank so Card has been stopped, transaction is being disputed.
Informed the Police, they have logged it and I have a log number.
Now I am not paying 10p a minute to ring Wonga, but I am concerned they could try and take more money from me, is there something I can do at the bank to bloke them?
Also have to say hats off to my bank, they faxed me over the documents to sign and take to the police whilst in branch, then faxed them back over to their fraud department.
Still can't understand how this happened, I rarely buy anything online, and never take cash out at cash machines etc, shred all my mail.
And before I forget, what sort of punishment is dished out if the person is caught? And is it easy enough to get my credit report altered, as I do not want to be associated with these people and do not want them on my credit file.
Went to pay for something earlier and my card got declined, thought it was a bit odd as I am always in credit and got paid Friday, no DD going and spent no money over the weekend.
So I checked my bank and it appears I have been relieved off lets say £100 (actually more) from Wonga.com This is kinda odd as I have never needed one of these loans, never taken one out, and never even visited their website, yet I appear to be paying them money.
Now from what I can gather on the net, it works like this in a hypothetical situation
I take out a loan with them for £200 and it goes into my account
They ask for a bank account to use to take payment from
I tell them to take it from Person X account whose details I have gained due to being a thieving scumbag
Person X is then relieved off £200 plus 2334% APR
From what I can also gather Wonga will charge 10p a minute and never answer, and always seem to be uninterested in fraud.
I have also read that they can keep taking payments once they have your details.
So plan of attack?
I have already
Informed bank so Card has been stopped, transaction is being disputed.
Informed the Police, they have logged it and I have a log number.
Now I am not paying 10p a minute to ring Wonga, but I am concerned they could try and take more money from me, is there something I can do at the bank to bloke them?
Also have to say hats off to my bank, they faxed me over the documents to sign and take to the police whilst in branch, then faxed them back over to their fraud department.
Still can't understand how this happened, I rarely buy anything online, and never take cash out at cash machines etc, shred all my mail.
And before I forget, what sort of punishment is dished out if the person is caught? And is it easy enough to get my credit report altered, as I do not want to be associated with these people and do not want them on my credit file.
pits said:
A tale of woe
Distinct similarities to this.http://www.bbc.co.uk/news/business-11612214
http://www.pistonheads.com/gassing/topic.asp?h=0&a... agency trying to collect non-existent loan
This link may be helpful
http://www.actionfraud.org.uk/fraud_protection/ide...
With the prevalence of Facebook/Twitter/etc many people give away personal details without even realising it. Nor does it need an online purchase for your bank details to become known to a fraudster.
What is also not well understood is that it is far too easy for a dodgy DD to be set up if a crim has the required information. It doesn't require the 'customer' to sign anything as Jeremy Clarkson famously found out to his cost in 2008.
http://www.saynoto0870.com/companysearch.php
type in wonga and get more than like one of the numbers already given above.
type in wonga and get more than like one of the numbers already given above.
Remember when you are dealing with this that you are not the victim.
Wonga are the people who have been defrauded.
When you get in contact with them i.e. when the money is taken back from them and they come looking for it adopt the stance that they are victims and they must do the leg work.
I had dealings with paydayloans or some nonense for a case like this and they couldn't grast that simple thing.
Wonga are the people who have been defrauded.
When you get in contact with them i.e. when the money is taken back from them and they come looking for it adopt the stance that they are victims and they must do the leg work.
I had dealings with paydayloans or some nonense for a case like this and they couldn't grast that simple thing.
davepoth said:
It's easy enough really, get your bank account number, change a digit or two, see if it works.
erm not quiteTo set up a DD you need both the account and sort code number. So randomly changing numbers wouldn't work, unless you are very very very lucky!
More likely his card was cloned or someone has had access to your card details (spyware virus perhaps?)
IndyAndy777 said:
I think Davepoth means they(Wonga & scammers) must have your bank account number and sort code to set up the DD. If you change these details, then the dodgy DD should cease.
Hopefully!
No. I think what he's saying is take someone's account number (like your own) and change it by one or two digits. If you're lucky someone will have an account at the same branch with that account number.Hopefully!
Don't give up your day job
Wonga reckons the system works like this:
It would also imply that Wonga would know the acount the money was sent to so should have someone to go after, if they can be arsed. It also means they don't bother to do a fairly fundamental check on whether the debit card is associated with the bank account.
Wonga said:
We usually provide an answer in seconds and, if approved, we send the cash to your bank within 15 minutes. That makes us the fastest and only genuine 24/7 lender in the land
On your chosen date we collect a single payment from your debit card, so you just need to ensure the required funds are available in the associated bank account
That would imply to me that they have obtained the OPs debit card details rather than bank a/c info.On your chosen date we collect a single payment from your debit card, so you just need to ensure the required funds are available in the associated bank account
It would also imply that Wonga would know the acount the money was sent to so should have someone to go after, if they can be arsed. It also means they don't bother to do a fairly fundamental check on whether the debit card is associated with the bank account.
Neonblau said:
davepoth said:
It's easy enough really, get your bank account number, change a digit or two, see if it works.
No, it isn't.But I expect if you put in a few hours effort on google you'd be able to find the sort codes of a few banks and the algorithms used for account numbers and have a crack at making some fake ones.
I also wouldn't be surprised if there are various hacker groups who get these details from hacking shops and websites and then post them online.
I'd also guess there are minimum wage shop workers with web cams scanning cards to get the numbers who then flog them for a few ££.
I would guess that it would be relatively simple to get hold of a few random bank details if you were so inclined.
Recently been a victim of this with Wonga plus several other payday loan companies. In my case they had no access to my own current account but they set up a current account in my name and this was where Wonga and others paid money into and possibly tried to take direct debits. I called Wonga and they were quite good in dealing with this (I guess they are used to it now).
All they required was a letter from the bank where the fraudulent account was opened confriming that it was a fraudulently opened account.
I just wonder how many people are victims of these kind of scams. The only was I found out was because I check my credit file every 6 months.
All they required was a letter from the bank where the fraudulent account was opened confriming that it was a fraudulently opened account.
I just wonder how many people are victims of these kind of scams. The only was I found out was because I check my credit file every 6 months.
if it is direct debits they are very easily reversed
phone your bank, tell them you never authorised the direct debit and you want all the transaction reversed, you should have your money back by the next day
you don't have to prove anything, if the loan was taken out fraudulently in your name then wonga might try and chase after you, but you can deal with that later
phone your bank, tell them you never authorised the direct debit and you want all the transaction reversed, you should have your money back by the next day
you don't have to prove anything, if the loan was taken out fraudulently in your name then wonga might try and chase after you, but you can deal with that later
I was the victim of this. Person took a cash loan out against my name 2 years ago for £800. Payday loan company only communicated by email and scammer obviously used a fake email address. Role on two years and I get refused for a mortgage and wonder why, do a credit check and defaulted loan shows up. I need mortgage within 2 weeks to secure a house.
I get in touch with loan company who says I now owe £2,500. I said if they have my address why the hell have you not sent me a letter or something in 2 years - their answer - we are an online company and only deal in emails.
Got it all sorted and cleared my credit history but it took over a month. Right bloody hassle and almost lost the house because of it. I now subscribe for around £3 per month to credit alert system.
I get in touch with loan company who says I now owe £2,500. I said if they have my address why the hell have you not sent me a letter or something in 2 years - their answer - we are an online company and only deal in emails.
Got it all sorted and cleared my credit history but it took over a month. Right bloody hassle and almost lost the house because of it. I now subscribe for around £3 per month to credit alert system.
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