I am having no luck at getting these removed as Equifax just keep replying with the same thing as below:. Com 2 I still showing on your credit report. We would like to inform you that your credit agreement information remains on your credit report for six years from the date that the account was settled or defaulted, whichever comes first.
Am I correct that these should be removed immediately as they were mis-sold and the 6 years does not apply? I am really not sure what to do next. I would also be interested to know this as I am in the same situation with the loans still showing on my Equifax report. Have emailed GT and they have responded with….
I called Equifax but it was quite difficult to explain. I had very limited information as to what GT have given and the advisor didnt seem to know anything about it so I didnt get anywhere.
I emailed GT again last week to ask if they could provide me any info on what they have sent etc with the hope I could then ask Equifax to look at. They have not replied to my two requests for info. I did receive a confirmation from Wonga in Sept 19 about the accepted loans and that they would be removed from credit reports. From the very limited response from GT, they seem to just be saying its Equifax, but its not helping that they are not providing any help with the query.
Its been hard to know how to query with Equifax. From Claires post, it seems submitting the customer service letter from Wonga detailing the loans were being removed hasnt worked.
Seems they may be few people in the same position. Having managed to get on top on my finances this is the final thing to sort. Would be great to hear if anyone gets anywhere or if anyone has any advice that could help. I suggest you put in a complaint to Equifax saying your loans should be removed, see the customer service letter from Wonga listing the loans. The Wonga administrators say the details have been supplied to the CRAs and your loans have already been removed from TransUnion if that is right?
So you now want the loans removed from Equifax. Ok, so I have emailed Equifax yet again with a much more stern approach.. They are all still listed on my credit file, however they were all paid. Wonga accepted my claim for all loans over Thank you. Nothing here either. Chris, have you had a reply to your subject access request?
I know I keep banging on about this but by law they must provide the information you request within 1 month. We are being lied too. Does anybody know if I defaulted on one of the loans that was accepted for redress should the default be removed from my credit report? Really pleased for you! Sarah and I seem to be the only two left having to deal with the incompetence of Grant Thornton. If there are so few of us I dont know how it can take so long. Surely being there mistake the company should take ownership and pay us out.
Either way, there will be a complaint from me to the Insolvency Gateway, once I know how this is going to end. I also fired off another email to them to ask where on earth my money is. It cannot take over 8 weeks to get a response from a bank about payment. It should be really straight forward. Wonga had my correct bank account details and told me payment would go into the correct account.
That should have been the end of it. How is any of that my fault? Why am I the one chasing and making complaints just to get what I am owed. It is so frustrating and ridiculous now. Sarah when I asked the senior advisor at my bank she told me that it would and could be sorted with one phone call confusion with a closed account she told me all what would be needed Obviously after a security check with Grant Thornton proof of payment Amount , account and sort code it was supposedly paid in to, who paid it in and on what date, she said once that had all been verified in one telephone call it could be found The supposed redress payment and sorted instantly so there is no way it takes this long, I think we know were the incompetence had come from here, hope you get sorted soon Sarah and Gilly Chris.
Still know redress and every email ignored over last 2 months? Who can I contact? Could be an ombudsman complaint if equifax wont sort it. I have looked into your claim and while you had an assessment which upheld loan s as unaffordable, your claim in the administration is nil for one of the following reasons:. Thank you for your e-mail. Please accept our apologies in the delay in your payment.
Thank you for your patience and apologies again, we are doing our best to get your payment to you as quickly as we can. How can they not be sure where they are with it? Update on removal of adverse information from my Equifax credit report. I have spoken to Equifax at length today.
They said they have not received information from Wonga or Grant Thornton about removing the loans. I told them others had been told that the details of customers had been sent in bulk but Equifax said any changes would have been made monthly. They have said that they will send a dispute to the company despite me saying Wonga not longer exist. Not sure where to go now! I suggest you reply that if the loans are not removed within a month you will sending a complaint about Equifax to the Financial Ombudsman.
Thanks Sara. I have raised a complaint and will now wait for contact from the complaints team and make this clear to them. Please be aware that if it is not, I shall immediately refer the matter to the ICO with no further notice to yourselves.
I reiterate: I have not received the redress payment owed to me. They paid my redress payment to someone with the same name as me, completely unrelated and unknown to me. Which is inexcusable really as I have a relatively unusual name. And it seems David Dunckley CEO and Jonathan Riley Quality at Grant Thornton have now blocked my email address as my email to them today, informing them of their error and the data breach, has bounced back as undelivered.
How do you do this subject access thing. I asked for all the personal information they held on me in relation to the Wonga administration and the payment they alleged was made to me in the period Feb I think we all need to be clear about the credit file element of this with; re: Equifax etc, having tried to raise a complaint I hit a wall, put simply when they refer it to Wonga it is NOT the case that if there is no reply From Womga it is removed — as suggested several times on here.
It simply stays until they hear from the company which they claim they have not, so it goes nowhere. Equifax say no file has been sent to them by Wonga, or anyone else, effectively saying go away.
Finally received my redress payment yesterday and an apology! Nice one, still nothing here. Thanks Gilly for the information. Nearly 10 weeks now since they supposedly asked the bank for information. I am beyond annoyed that I am having to waste my time with this. I feel like giving up, wondering if it is worth it? Maybe I should just accept they are incompetent and forget about it? I just want my money. Making the SAR was the best thing I could have done. Apparently I should have a response next week.
Keep posting Sarah, and if I can do anything to help, I will. Still not had my money. They asked for my bank details in may!!!
Giving up hope now. The SAR might give you some useful information, as it did with me. My complaint has been referred on to the IPA, I should get an acknowledgement in 10 days.
Ok, it seems the SAR has done the trick. I know where my money went to. Part error on my part, part on the Wonga administrators. Long story short is they are re issuing my money and it should be with me next week. Will see if it happens! Thank you Gilly for the advice.
Seems to have got things moving! If you are still waiting, keep pushing them! Sarah xx. Well after many months of messing about and about 3 different instances of them insisting I was not owed anything at all I got an email this morning after sending my details:.
Thanks so much for sending those across — I can confirm receipt. So finally a bit of light at the end of the tunnel! Thank you for everything you have done for all of us Sara, I cant express my gratitude enough! As a straw poll: has anyone managed to successfully get their loans removed from their credit record? They have not been removed from files. I am only waiting on Equifax. I have raised a complaint with them which they are yet to respond to and sent over all the correspondence confirming what loans should be removed.
GT have told me the same about information being sent to them in January and the delay being on the part of Equifax. ES Money. The Escapist. The Reveller. The Optimist. ES Best. ES Mag. Follow us:. Password Please enter a valid password. Submit Submit. By Georgia Chambers. Before its collapse, Wonga was vilified for its high-cost, short-term loans, seen as targeting the vulnerable.
One ex-customer told BBC News it was "an insult" to borrowers. After Jo lost her full-time job and started in a role with fewer hours, she took out a series of loans with Wonga between and to make ends meet. It was really dangerous. Wonga, which collapsed in , was once the UK's biggest payday lender but its practices attracted intense scrutiny. In , the Financial Conduct Authority FCA found it had lent money to many who would never be able to repay, prompting a crackdown on the sector.
But while claimants were warned they would get "significantly less" than full compensation, few expected to get so little. I've changed my bank account since, and sending them all the forms and details that I would have to would take ages. People have been burnt," she says. Sara Williams, who runs Debt Camel, said former customers had been "badly let down" by regulators.
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