What have i done

[winner12]

Hello had a shaky moment earlier today and I nearly took out a payday loan with Wonga but the system crashed on the very last authorisation page and it said to email them to continue I do hope its not gone through I have not had an emails think someone was looking out for me any ideas what happens next

[jon1965]

Re: What have i done

I doubt very much that it has gone through as you have not had an email confirming. Did you actually 'sign' the agreement?

If you are worried just email them telling them what happened and that you do not want to take out the loan

[winner12]

Re: What have i done

Thanks jon1965
Not sure if i did it got to the spinning timer and crashed so Im hoping its wiped it out I did email them but have not had a reply either

[jon1965]

Re: What have i done

Fingers crossed then. Lucky escape

[winner12]

Re: What have i done

Yes thanks thats what I thought smacked myself around the face with a wet fish and have now come to my senses hope its not on my credit file though

[FlamingParrot]

Re: What have i done

Hello had a shaky moment earlier today and I nearly took out a payday loan with Wonga but the system crashed on the very last authorisation page

That was a narrow escape!

and it said to email them to continue I do hope its not gone through I have not had an emails think someone was looking out for me any ideas what happens next

I assume you had already provided them with full bank details so if the loan had gone through you'd have the money in your account, have you checked? If the money never reached your account then you wouldn't have had the loan and it shouldn't be on your credit file either.

[winner12]

Re: What have i done

Thanks FP
No it didnt go in my account so hopefully all is well and a Lucky escape !!

- - - Updated - - -

Thanks FP
No it didnt go in my account so hopefully all is well and a Lucky escape !!
Ps No emails either

[nemesis45]

Re: What have i done

Might be an idea to check your credit files (Noddle is Free online) to see if Wonga has left a " foot print" e.g. " Credit Application" search.

nem

[jon1965]

Re: What have i done

Any search won't show up on Noddle yet as it is a bit behind and not really sure if you can get it removed so maybe ignorance is bliss

[winner12]

Re: What have i done

Thanks nemesis and jon just forgetting about it now but i read that the searches dissappear after about 6 month anyway so i wont be applying ever again !!!

[nemesis45]

Re: What have i done

Thanks nemesis and jon just forgetting about it now but i read that the searches dissappear after about 6 month anyway so i wont be applying ever again !!!

Correct yes it should ( if there be removed after 6months) Noddle has improved rapidly over the last 6 months or so.

nem

[jon1965]

Re: What have i done

According to equifax credit searches stay on you file for 12 months and debt collection searches for 2 years.
It seems that \noddle only update your file when they creat a report so if you are already a member any search will only appear next month at the earliest

[winner12]

Re: What have i done

So does that mean when my defaults all drop off some of my debts not settled a dca could still leave a trail until SB after 6 years

[jon1965]

Re: What have i done

So it seems but it may not have too much effect on your credit file , it was just a bit of further info