Everyone has opinions on these payday lenders, are very quick to criticise and assume anyone who uses them is in some way simple. For someone like me, and probably an increasing number of people these days, no bank will entertain me for any request even though I work, pay my bills, and pay my debts. I have used wonga several times, no troubles, no random access of my account or any other horror stories I have read online, and they put the money in your account very quickly. You know how much you have to pay back before you accept the money, and it always stays the same if you stick to your part of the agreement. The apr's don't really mean much if you pay back on time, and if you think you can't, don't take the cash.
What seemed like a daunting task was made so much easier. Richard the Key advisor went into great depth about the whole process, did not push me towards anything, and only when he had all my relevant information and had time to look at my options did he suggest my best course of action. There were no unexpected surprises and everything was done to make the whole experience as straight forward as possible. The whole process has gone along smoothly and for anyone in a similar situation to mine, I would recommend discussing their options with him, no hesitation.
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