Unfortunately alot of the time this kind of fruad happens due to the very flimsy laws we have over money lending, personal details etc with certain businesses.
I was persuded by a catalogue company as an account was taken out in my name. I've proved it couldnt have been me but it took nearly 2 years to do, loads of phone calls, emails etc and the pain that my credit was marked for all that time.
Wonga et al are just legalised (i use that term very very losely) loansharks. They are simlpy handing money out to people who cannot afford to pay it back. I can imagine Xmas time is a bonus time for them, and they then reap the rewards by taking money left right and centre after, and frmo whoever they can get it from.
It should be illegal that unless you are the proved owner of the loan that you should not pay anything back unless a correctly setout guarantor of the debt. Wonga, your wankers !
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