Well, you see, the way it works is that if someone takes out a loan with Wonga and Wonga don't make it clear that they charge 4000% APR, it's not Wonga's fault because the person should have done their research. If Wonga give out loans to people without checking they are who they say they are properly, it's not that Wonga should have done their research it just means Wonga are the victims of fraud and that's not Wonga's fault either.
Sounds legit, forza wonga!