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dkityo

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  1. Hi All, Sorry I feel like I have asked so many questions, this will be my last I promise! So QQ came back saying they will use the information they have internally so great. So I am currently waiting to hear back from QQ and 2 other lenders (PDUK, Wonga) however I have not sent any of them a copy of my credit report to back up my case. I have a 32 page report generated from Noodle in February which lists all the loans with all 3 PDL companies, am I advised to send this to QQ as additional info now? Again any advice would be greatly appreciated. D
  2. Thanks acid53, I will do exactly that! Will keep you all updated!
  3. Thanks joncow75 useful info. I replied to the email I posted previously saying this ; "The loans related to my complaint are from 17/11/2012 onwards. The information you have requested you already have access to, in terms of income and monthly expenses. Just to confirm my complaint was sent to you on 21/03/2016. Please advise if this is your final response, if not I will wait until your complaints team diligently review and assess my complaint." But they have replied with the below; "I am sorry that you felt the need to complain. The information we requested will help us evaluate your complaint in full. QuickQuid is committed to addressing all complaints to the best of our ability, including gathering additional information and evaluating complaints with all available data. The additional data you provide will help us to more comprehensively and fairly review your complaint. Your complaint raises the issue of affordability. Without confirming your financial situation, it is difficult to determine whether the loan truly was unaffordable. In order to better assist you, we ask that you fill out the below information so that we can thoroughly review and respond to your complaint. Questionnaire 1) What was your income per paycheque at the time of your loan(s)? 2) What were your monthly expenses as of the time of your loan(s)? (please include mortgage/rent, travel, utilities, payments of other credit commitments, food, and other expenses as separate items) 3) Did you tell us that you were experiencing financial hardship? If so, when did you tell us of your financial difficulty? 4) Please provide a copy of a bank statement from the time of your loan(s). 5) Please provide a copy of a payslip from roughly the time of your loan(s). Once we receive the information back from you, our complaint team will diligently review and assess your complaint. As you will see from our complaint procedure, we have eight weeks from the date we receive your complaint to send you our ‘Final Response’. If at that time you are still unhappy with our decision, you will have six months from the date of our 'Final Response' to refer your complaint back to the Financial Ombudsman Service for them to adjudicate in the matter on your behalf. For more information about our complaints procedure, please visit the 'Contact Us' section of our website If you have any queries, our Final Resolution Team is here to help. Yours sincerely, Tiffaney" Do I need to supply this information in order for them to actually look into the complaint? Any advice is appreciated. D
  4. Hi All, Joncow75 it looks like they are just offering you that in the hope you will go away. I have just received a response from QQ, similar to Dale1985; "Your query raised several questions on loan affordability. In order to better assist you, we ask that you fill out the below information so that we can thoroughly review and respond to your complaint. Questionnaire 1) What is the funding date of the loan(s) for which you are complaining? 2) What was your income per paycheque at the time of your loan(s)? 3) What were your monthly expenses as of the time of your loan(s)? (please include mortgage/rent, travel, utilities, payments of other credit commitments, food, and other expenses as separate items) 4) Recently, we have seen an increased number of complaints where the complainant has obtained a template from a website or blog. Did you use a website template? If so, can you please provide the name of the website? 5) Did you tell us that you were experiencing financial hardship? If so, when did you tell us of your financial difficulty? 6) Please provide a copy of a bank statement from the time of your loan(s). 7) Please provide a copy of a payslip from roughly the time of your loan(s). Once we receive the information back from you, our complaint team will diligently review and assess your complaint. As you will see from our complaint procedure, we have eight weeks from the date we receive your complaint to send you our ‘Final Response’. If at that time you are still unhappy with our decision, you will have six months from the date of our 'Final Response' to refer your complaint back to the Financial Ombudsman Service for them to adjudicate in the matter on your behalf." Like someone mentioned before; - they have access to all my loans - income per paycheque and expenses would have been supplied to them when taking out the loan - template none of the bloody business - bank statement & payslip they do not need to see as will not make a bit of difference I will respond asking if this is there final response and see how I get on. Perseverance all we will get what we are deserved!!
  5. I have started drafting up a email to QQ, does anyone have any key points I should state in the email? Key dates of each loan/amount? State what I request, or just ask them to look into it? Thanks Thanks joncow75 and dx100uk!!
  6. Hi joncow75, I too am in a similar situation with QQ. Have been using then for roughly 3 years and have 27 loans (month after month at times) according to my loan history on there site, and borrowed roughly 10k. I know I shouldn't have used them, easier said than done given the position I was in and like a lot of people it spirals out of control very quickly. Reading this thread has given me confidence in the fact that they have been lending irresponsibly, and I am going to also begin the process off taking them to the FOS. Just want to thank you guys for your advice/knowledge thus far!
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