Jump to content


  • Tweets

  • Posts

    • The move marks the first time the country's central bank has raised interest rates for 17 years.View the full article
    • The move marks the first time the country's central bank has raised interest rates for 17 years.View the full article
    • The firm has benefited from the AI boom, making it the third-most valuable company in the US.View the full article
    • Former billionaire Hui Ka Yan has been fined and banned from the financial market for life.View the full article
    • In terms of "why didn't I make a claim" - well, that has to be understood in the context of the long-standing legal battle and all its permuations with the shark. In essence there was a repo and probable fire sale of the leasehold property - which would have led to me initiating the complaint/ claim v SPF in summer 19. But there was no quick sale. And battle commenced and it ain't done yet 5y later. A potential sale morphed into trying to do a debt deal and then into a full blown battle heading to trial - based on the shark deliberately racking up costs just so the ceo can keep the property for himself.  Along the way they have launched claims in 4 different counties -v- me - trying to get a backdoor B. (Haven't yet succeeded) Simultaneously I got dragged into a contentious forfeiture claim and then into a lease extension debacle - both of which lasted 3y. (I have an association with the freeholders and handled all that legal stuff too) I had some (friend paid for) legal support to begin with.  But mostly I have handled every thing alone.  The sheer weight of all the different cases has been pretty overwhelming. And tedious.  I'm battling an aggressive financial shark that has investors giving them 00s of millions. They've employed teams of expensive lawyers and barristers. And also got juniors doing the boring menial tasks. And, of course, in text book style they've delayed issues on purpose and then sent 000's of docs to read at the 11th hour. Which I not only boringly did read,  but also simultaneously filed for ease of reference later - which has come in very handy in speeding up collating legal bundles and being able to find evidence quickly.  It's also how I found out the damning stuff I could use -v- them.  Bottom line - I haven't really had a moment to breath for 5y. I've had to write a statement recently. And asked a clinic for advice. One of the volunteers asked how I got into this situation.  Which prompted me to say it all started when I got bad advice from a broker. Which kick-started me in to thinking I really should look into making some kind of formal complaint -v- the broker.  Which is where I am now.  Extenuating circumstances as to why I'm complaining so late.  But hopefully still in time ??  
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 160 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Quick Quid - calling me at work - need to stop them! **


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4031 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi, I'll post properly about my own little PDL mess in a moment, just frantically searching for a template...

 

I've seen it somewhere - QQ phoned me at work today. The only number for my work is a shared line - I never answer it, it goes through to the enquiries office.

 

Can I request they remove that number from their databases?

 

Having a small panic attack.

Link to post
Share on other sites

You can request they remove it, but they can also ignore your request if previous posts are anything to go by.

 

best way to stop them phoning is to call them and try to come to some arrangement, but I understand this may be easier said than done, but if you speak to them they will have no reason to keep calling.

Link to post
Share on other sites

QQ are outsourced workers on a high commission basis. You can't come to an agreement with them as they like the charges to pile up.

 

What you need to do is

 

When they phone ask who is calling and then email the company telling them that X called at X time and you wish everything in writing, due to the fact that you cannot deal with complex issues on the phone. If they call again at work tell them you are going to the police (you do have that right anyway) and also contact the following

 

http://www.consumerdirect.gov.uk for Office of Fair Trading (against OFT guidelines to call at work anyway)

http://www.tradingstandards.gov.uk for Trading Standards

 

Remember negotiation with this lot is nigh on impossible, and only stick to the original loan amount and one months interest as per Section 87 of the CCA. You may get 'we don't work with the CCA Act" and you tell them "in that case you are operating as illegal loan sharks" and report them accordingly.

Link to post
Share on other sites

Thanks. I've been negotiating with them for almost a month, and so far their idea of repayment plan is one payment of XXX.XX all at once.

 

Yay.

 

Being told by my boss that they rang his office for me was just awful :(

 

Also dealing with cash genie, PDE, txtloan, capital finance one and cheque centre. So far only cash genie have been helpful, which came as something of a surprise. They jumped over themselves to give me their bank details!

 

Cheque centre is an odd one as it's an in store loan, but the staff have actually been great and have frozen charges while we work something out.

 

Great advice about taking names when they call, because I'm pretty sure they are only staffed by robots at this point, judging by their emails. Or possibly convicts in a big, money making American jail.

 

Ramble over, I have anxiety issues and PDL companies get me jittery.

Link to post
Share on other sites

Hello there!

 

I actually work in debt recovery and a customer/debtor asks you to remove their telephone number (especially a works one) we HAVE to remove it. If you've already done so but they've ignored it try and get his name (if it's the same man calling obviously). It is actually harrassment if we ignore this request so make sure it happens. If you can actually prove they are delaying a payment plan agreement so interest can be added then make a little diary of everything, make a copy and write to them (along with yet another formal request to stop the calls) and say you're going to take it further if it isn't resolved. As long as you are actually attempting to resolve this of course...

 

As for your other creditors it might be worth writing to them with a request for all correspondence to be in writing also and try work something out with them.

 

If you are struggling financially or even advice on how to send a letter to them then please go to the CAB or CCCS. All DCA'S now must cease action/interest for at least 30 days if you're dealing with a 3rd party. It's a policy called treat customer's fairly and The Lending Standards Board do regulate that.

 

Hope this helps, please don't bury your head in the sand.

 

Sammi

Link to post
Share on other sites

Guest QuickQuidCustomerService

Hi sarahlloyd,

 

You can request that we not phone your employers by contacting QuickQuid Customer Service by phone or email.

 

I can assure you that QuickQuid Customer Service representatives are friendly and helpful. Our customer service line, email address, and live chat are staffed by REAL people 24 hours a day, 7 days a week, which is one of the reasons our customer service rating is so high. I’m a real person responding to you right now, in fact! :-)

 

We do our best to negotiate with all of our valued customers in order to satisfy their needs. Of course, negotiations are on a case-by-case basis as every situation is unique and we treat it as such.

 

I hope that this info helps!

Link to post
Share on other sites

I spoke to soon about cash genie, even though I'm in repayment plan they "attempted" to take the entire amount today. I say attempted, as sadly my card was mysteriously stolen when my PDLs defaulted. Funny, that.

 

Now threatening to start adding charges. Sent several emails, heard nothing. Oh, and they rang my employer this morning. No, not happening.

 

QQ have gone very quiet also. No responses to my emails. I just want to get something sorted!!

Link to post
Share on other sites

  • 1 year later...
QQ are outsourced workers on a high commission basis. You can't come to an agreement with them as they like the charges to pile up.

 

What you need to do is

 

When they phone ask who is calling and then email the company telling them that X called at X time and you wish everything in writing, due to the fact that you cannot deal with complex issues on the phone. If they call again at work tell them you are going to the police (you do have that right anyway) and also contact the following

 

http://www.consumerdirect.gov.uk for Office of Fair Trading (against OFT guidelines to call at work anyway)

http://www.tradingstandards.gov.uk for Trading Standards

 

Remember negotiation with this lot is nigh on impossible, and only stick to the original loan amount and one months interest as per Section 87 of the CCA. You may get 'we don't work with the CCA Act" and you tell them "in that case you are operating as illegal loan sharks" and report them accordingly.

 

I know this is an old thread but thanks sillygirl for providing this info! I've had similar issues with payday express so will follow what your recommend here also... sounds like quickquid are equally as bad... although from what I've been reading there are know good payday loan companies out there.

Link to post
Share on other sites

  • 1 month later...

Thanks Ceri , it was more of a rhetorical question ...i.e isn't it to do with Defaults and nothing to do with loan+1months interest

 

Nothing makes a debtor (how i hate that word) look more foolish than quoting inaccurate regulations. It's a bit like saying that an agreement dated 2010 is UE due to S127(3) as that had been long repealed at that time

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...