Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)

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  1. #21
    Basic Account Holder yourturntopay Novitiate

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    Default Re: Help with getting a reduced repayment plan accepted by Payday Loan companies

    I have QQ on my back and they are not being the most helpful companies in the world!!!

    They refuse to agree to a payment plan for more than 3 months and will only accept payment via DDicon. I was willing to agree to an inital payment plan of 3 months but i refuse to allow them to have a DD into my account and stated that I will only pay by Standing Order.

    QQ stated that they do not accept payments by SO and only have card or DD payments only.

    They are now passing my account to an outside agency - any ideas who this will be and how do i deal with this? I am happy to repay the debt,but I will NOT give them my bank details so they can raid my account whenever they please!!!

    Is the outside agency usually reasonable and accept payment plans???


  2. #22
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    Default Re: Help with getting a reduced repayment plan accepted by Payday Loan companies

    Thats tough you have offered to pay, standing orders can be accepted by any one,
    what they don't like is you being in charge, with an ''OPEN' DDicon' in their hands they can steal what they
    like from you at any time.
    I have in the past marked a DD mandate with the following.
    The Sum Specified and The Date Here ON Must Not BE Change or Amended WITHOUT MY PRIOR WRITTEN AGREEMENT.


  3. #23
    Basic Account Holder bluemozzer Novitiate

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    Quote Originally Posted by s4ddys View Post
    From my own experience I would set up the payment plan, then once you have paid what you owe, if they still want to argue about the charges then let them, they will not take you to court for charges alone. I fought them in court and lost, but they didn't even argue the charges and agreed they should not be added to the total cost.
    Just out of interesticon, did you file a defenceicon and attend the court at the hearing?


  4. #24
    Basic Account Holder fernal Novitiate

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    Default Re: Help with getting a reduced repayment plan accepted by Payday Loan companies

    hi

    I had the same problem with QQ.
    They do accept paypalicon payments which i used, i also got six months out of them by agreeing to their 3 month plan, paying the first month then reduced paymant by half each month. When they emailed me i just replied i will make it up next month.

    Fernal


  5. #25
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    Default Re: Help with getting a reduced repayment plan accepted by Payday Loan companies

    Be very careful with paypalicon, as they can turn the payments into a subscription, and its not easy to cancel it. This means that even when the loan or payments end, they can still be taking money from your paypal account. Especially if it is linked to a bank account or debit card.

    Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..


    If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks
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  6. #26
    Basic Account Holder Gav Kasso Novitiate

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    Default Re: Help with getting a reduced repayment plan accepted by Payday Loan companies

    Quote Originally Posted by fernal View Post
    hi

    I had the same problem with QQ.
    They do accept paypalicon payments which i used, i also got six months out of them by agreeing to their 3 month plan, paying the first month then reduced paymant by half each month. When they emailed me i just replied i will make it up next month.

    Fernal
    I was told on their livechat they no longer accept paypal, just DDicon or debit card.


  7. #27
    Basic Account Holder buckju Novitiate

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    Default Re: Help with getting a reduced repayment plan accepted by Payday Loan companies

    Quote Originally Posted by Gav Kasso View Post
    I was told on their livechat they no longer accept paypalicon, just DDicon or debit card.
    I have a repayment planicon. with QQ over 12 month paying by direct debiticon. With direct debit you have direct debit guarantee. this means they cannot change the amount they take from your bank without giving you 10 working days notice. If they do take more than the agreed amount then the bank must stop the payment and claim it back from the company and put it back in your bank account. You then write to the company telling them they have not adhered to the DD guarantee.


  8. #28
    Basic Account Holder Jamie Kingston Informative Jamie Kingston Informative

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    Default Re: Help with getting a reduced repayment plan accepted by Payday Loan companies

    You make a good point with regard to DDicon. I would set-up a secondary account and get the exact amount transferred into the account so QQ can take their direct debiticon. if you get paid on the last working day for example, set-up the direct debit for the 01st of each month and make a standing order from your salary account to the secondary account and then qq can take their money and not yours!



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