she did not even give him time to blink , I even still have a few emails of wonga when I was dealing with them a couple of years ago threatening me with fraud proceedings if I went ahead with my bank to refund the money they took.
here is a sample
We have tried to contact you by telephone today, however we were unsuccessful.
Your current balance is ****** and ** days overdue.
Whilst the account is overdue, interest and charges will be applied to the account and letters issued to protect our interests, until an arrangement is in place.
We have been informed by our bank that you have challenged payment/s that were taken by us. You will be aware that your recent loan was due for payment and that in applying for credit from us, you gave us express permission to collect repayment of those loans from the debit card that you provided to us during your application for credit or any other debit or credit card subsequently provided to us.
Clause 3a of your credit agreement that relates to this permission states:
a. You agree to repay us the total amount payable on the date shown under “Key Financial Information”. We will collect this payment by debiting the debit card you have registered with us. If we are unsuccessful in collecting payment, we may try to debit your debit card at a later stage and on more than one occasion. If you have provided us with details of a second debit/credit card and we are unsuccessful in collecting payment from the first debit card, we may seek payment from the second debit/credit card and on multiple occasions as we determine necessary until full repayment is made.This clause gives us your permission to collect payment on the due date that you selected or on an ongoing basis should you fall into arrears. We exercised this permission on (Payment date). We trust that this clarifies our action and demonstrates that we have acted entirely within the terms and spirit of our agreement with you.
If these transactions are reversed and we incur a loss as a consequence, we will consider that you have willfully and deliberately caused us a loss by misrepresenting to your bank that the transaction was not fair. We may consider this to be fraud as outlined by section 2 of the Fraud Act 2006.
2. Fraud by false representation
(1) A person is in breach of this section if he—This offence carries a significant penalty as outlined in section 1, of the same Act
(a) dishonestly makes a false representation, and
(b) intends, by making the representation—
(i) to make a gain for himself or another, or
(ii) to cause loss to another or to expose another to a risk of loss.
(3) A person who is guilty of fraud is liable—It will naturally be our position that, with us having outlined your contractual commitment, that you continue to represent that you were unaware of the reason for the disputed transaction(s) that you are committing an offence of fraud.
(a) on summary conviction, to imprisonment for a term not exceeding 12
months or to a fine not exceeding the statutory maximum (or to both);
(b) on conviction on indictment, to imprisonment for a term not exceeding
10 years or to a fine (or to both).
What happens next
If you do not contact us immediately, we will consider taking further action which may include informing CIFAS, the UK’s fraud prevention service, of your misuse of our facility. They will retain this data on a database which is available to most of the UK’s major banks, building societies and other financial services providers. Your current creditors may wish to withdraw your current credit facilities and you may find that the record of your actions seriously inhibits your ability to obtain further credit.
We will also provide a file to the Metropolitan Police, with whom we have an existing relationship in order to pursue this matter through the criminal justice system. We have an excellent working relationship with several Police forces throughout the UK and have a policy of actively supporting the Police in all joint anti fraud operations.
We also reserve the right to commence civil proceedings against you to recover any losses incurred by us as result of your actions. This may include a privately funded prosecution or other formal actions such as issuing a statutory demand in bankruptcy where the value of our loss was of sufficient size.. Failure to respond to the requirements of a statutory demand could lead to your personal bankruptcy. We may also commence legal proceedings against you in the civil courts or we may send a specialist debt collector to your home or place of work.
We may also an £80 to your account to cover the additional expense of us having to deal with this matter.