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Wonga.com Customer fast cash payday direct loans

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Turvey View Drop Down
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Joined: 02 Nov 2012
Status: Offline
Points: 106
Post Options Post Options   Thanks (0) Thanks(0)   Quote Turvey Quote  Post ReplyReply Direct Link To This Post Topic: Wonga.com Customer fast cash payday direct loans
    Posted: 12 Jan 2013 at 12:10pm
Customer reviews for Wonga.com top direct lenders, fast cash payday and short term loans, compare high in best 10 UK cash advance market.

I wish to make this review from my own personal experience of using Wonga loans and no they are not credit brokers that some people dislike but direct lenders approved by the OFT, Wonga do not offer 12 month payday loans like sites or companies like pounds to pocket loans, but offer short term loans up to 31 days. Wonga.com ltd have in recent months and over the past years received some bad press and media views of being loan sharks and other poor practices, in reality and if you think hard about this, is it Wonga's fault?, some MP's blast Wonga for their role in offering people a service because they are in debt, lets face the facts in reality, I was personally earning £4.90 an hour in 1990 and now minimum wage is some £6.18?, inflation of various subjects have increased on a massive scale so people have become submissive slaves to the UK Government, so how can certain MP's blame Wonga for people needing money? . I can only give my honest customer opinion of this pay day company. I have been a customer since 2010 and back in 2010 I was going through a hard time financially, I didn't have many credit options available to borrow money, I tried Wonga and was amazed that they accepted my application. I have always paid them back on the promise date and thus never encountered a problem from them, my credit limit in 2010 was £400 but now in 2013 it has recently been upgraded to the maximum £1000 limit because I have been a responsible borrower and hence trust levels build. Also take note that the maximum upgrade to £1000 did not happen overnight, it took 3 years to get there from a secure trust level and also my income ability.

The site of Wonga is very easy to use with instant decision feedback and the application process uses strict encrypted data (https) of which basically means your personal details are safe online from being hacked. The application process is quick, simple and takes only a few minutes if you have your details at hand. Once accepted the money transfer time will only take some 15 minutes and this is not some sales ploy it is really 15 minutes sameday cash providing your bank accepts fast transfers. If you do give Wonga a go I would advise trying not to borrow over 21 days because it becomes expensive on the interest, if you can borrow for less than 2 weeks the interest charges are not bad IMO and I personally consider the charges reasonable. For payday loans over 3 weeks or more then visit our other reviews of companies that may be in a better position for that market niche: Payday loan reviews.

Wonga.com ltd is a good company IMO, there are a few individuals that work there that have caused the company bad press, but i'm sure they will be weeded out of the company that is basically run by a professional team and hence stay on track to focus on the task of the company. Do you need to have a guarantor ? no certainly not, you do not need a guarantor to apply for a Wonga loan, you will however need a valid debit card with a bank or building society, Nationwide is a very good building society that accepts fast transfers.

Tips: Make sure you are comfortable paying the amount back, if your unsure of your wage payment time then make the promise date for the following day to avoid late payment fees stated in the terms and conditions of the loan agreement. Plan ahead how you intend to make a few cut backs to cover the interest and loan. If you need to borrow the following month try to bring the loan down not up, make cut backs and get out of the loan asap. If for any reason you do have a spell of bad luck with unforeseen circumstances and need to borrow more the following month, then have a good think how you intend to reduce the loan in stages. These comments are not intended as financial advice but tips of being an experienced payday loan customer for some 3 years duration.
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Melissa View Drop Down

Joined: 06 Nov 2012
Location: UK
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Points: 9
Post Options Post Options   Thanks (0) Thanks(0)   Quote Melissa Quote  Post ReplyReply Direct Link To This Post Posted: 26 Jan 2013 at 1:33pm
Hi Turvey, after reading this review about Wonga loans I feel you have a valid point about a few things. Certain MP's like you state are trying to get payday loans banned from the UK, in particular these certain MP's are trying to also ban rollovers with payday loans. Have these same MP's thought about the concept of people that are still allowed bank accounts that are still allowed to roll their overdraft facility over? or is this one rule for good credit but another rule for bad credit? have these MP's really given this subject some serious thought? How can people have an overdraft facility rolled over if these laws become in place? This would then put people with good credit rating in an unfair advantage over people with poor credit ratings, so how can roll-overs possibly be controlled from a payday loan point of view without saying overdrafts should be not rolled over?
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