Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



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. #1
    Basic Account Holder sturdymo10 Novitiate



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    Exclamation QuickQuid Repayment Plan

    Hello, I'm writing to QuickQuid to try and arrange a repayment planicon for my loan, however after reading this website for a while I have some questions and I was wondering if someone could read my E-Mail to give any constructive criticism.

    Why should I E-Mail QuickQuid rather than phone them?
    Is it appropriate to call them to make the arrangements and then E-Mail them to confirm?
    Is there any law, bill or statute I should quote if they disagree with my plan? Or anything else I should say to assist my request?

    I am writing to discuss my loan with QuickQuid. The loan numbers are as follows:
    #5121301
    #4998210
    The loan conditions previously in place involved the lending of 400, which was a two part loan with 94.40 to be paid on 24th August 2012, and 518 to be paid today, on the 21st of September.
    On the 24th August 2012 I agreed to pay the 94.40 on the 21st September 2012 (Today at time of writing), due to financial difficulties. On this date (24th August 2012) I was assured by a customer service representative that if I called prior to or on the payment due date of the 518 then QuickQuid would further extend this payment by four weeks to the 19th October 2012 in order to meet my financial needs. However, Since this date I have been in an incident of no fault of my own which has resulted in an injury to my wrist and knee, leaving me on sick leave from work. Fortunately my employers sick leave policy enables me to make my full contractual pay (therefor excluding overtime).
    With this in mind, I am writing in full to inform you that while the 94.40 can be taken today on the 21st September. However I am financially unable to meet the arrangement of 518 either today, or on my next pay date, the 19th October 2012. In light of this, I have calculated my contractual income against my financial obligations (Rent, Food, Travel etc.) and I have drafted a payment plan. The payment plan involves four payments every four weeks. These payments are the absolute maximum I can afford in my present work state, and I believe they allow me to pay off my debts in a consistent, reasonable and honest manner, where QuickQuid is receiving all funds due to them. The payment plan I have arrived at is listed below:
    19th October 2012 - 131.00.
    16th November 2012 - 129.00.
    14th December 20120 -129.00.
    11th January 2013 - 129.00.
    If QuickQuid agrees with this payment plan, please respond to this email to confirm the details, and please provide me with QuickQuid's preferred method of payment. I would like QuickQuid to bare in mind I am presently confined to home, and thus I believe the most appropriate course of action is to either set up a standing order with your company or supply me with the bank details of QuickQuid with a reference number, so as I can manually make the payments on the date's they are due.



  2. #2
    Basic Account Holder rippedoff15 Novitiate



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    Default Re: QuickQuid Repayment Plan

    Always email as you can keep a record, with regard to making payments NEVER give you bank deails as they will empty your bank account, send the payment via standing order as you control the payments. they will ask for account details stand firm . keep to the dates cheers


  3. #3
    Royalties Account Holder renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp's Avatar



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    Default Re: QuickQuid Repayment Plan

    Never phone a payday lendericon. They will bully, intimidate and harass you into agreeing with what THEY want, and not what is most beneficial to you.

    There is no statute law as such, but there is regulatory guidance which they should adhere to, although Quick Quid are notorious for thinking they dont have to.

    Your letter could do with a few changes, as there is no reason to go into so much detail. QQ do not need that info and will most likely ignore it.


  4. #4
    Basic Account Holder PDLVictim Novitiate



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    Default Re: QuickQuid Repayment Plan

    Hi Sturdymo10,

    First to answer your questions:

    Why should I E-Mail QuickQuid rather than phone them? As the two above already stated: 1) So they cannot bully you into paying more than you wanted and 2) to have written proof

    Is it appropriate to call them to make the arrangements and then E-Mail them to confirm? This would be an option if you are "tough" and confident enough to deal with them over the phone

    Is there any law, bill or statute I should quote if they disagree with my plan? They will not disagree with your plan as it is over 4 months - they will accept it.

    Or anything else I should say to assist my request? To the contrary, do not say too much (as renegadeimp already pointed out)


    In your situation the quickest way to arrange a repayment planicon with them is over their live chat. Login, state that you are in financial difficulties and chat with them. They will agree to 4 month plan. Take a screenshot/printout as proof (but they will send you an email anyway).

    You cannot use their UK bank account for repayment, so standing order is not an option. Open a new basic bank account instead where you pay in only the monthly rate two days before due, and then pay with this new bank account via direct debiticon.



  5. #5
    Royalties Account Holder renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp's Avatar



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    Default Re: QuickQuid Repayment Plan

    Just to note, screenshots/printouts are not considered proof as they can be doctored very easily. What you want to do if you are using live chat, is to DEMAND an email of the conversation while you are on the chat with the rep. If they refuse or make excuses, then tell them that no payments or offers of repayments will be forthcoming until they adhere to what you say.


  6. #6
    Guest QuickQuidCustomerService Novitiate



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    Default Re: QuickQuid Repayment Plan

    Quote Originally Posted by sturdymo10 View Post
    Hello, I'm writing to QuickQuid to try and arrange a repayment planicon for my loan, however after reading this website for a while I have some questions and I was wondering if someone could read my E-Mail to give any constructive criticism.

    Why should I E-Mail QuickQuid rather than phone them?
    Is it appropriate to call them to make the arrangements and then E-Mail them to confirm?
    Is there any law, bill or statute I should quote if they disagree with my plan? Or anything else I should say to assist my request?
    Hi, sturdymo10. It was great speaking with you. We hope you are happy with the payment arrangements we were able to work out. If you have any further questions or issues, please contact us via your preferred method of communication and mention this forum and your username. Lastly for your safety, we would like to ask that you avoid posting your personal details, including loan numbers, on this or any public forum. It is meant to protect you from would-be fraudsters. Thanks so much for your cooperation and for being such a great customer. Cheers.


  7. #7
    Royalties Account Holder renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp's Avatar



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    Default Re: QuickQuid Repayment Plan

    Now the question remains, did QQ pressure them into agreeing a high repayment rate as usual, and why are QQ and P2P posting from the same place, when theyre meant to be 2 separate companies.


  8. #8
    Basic Account Holder abbyyurt88 Novitiate



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    Default Re: QuickQuid Repayment Plan

    Renegade, at the top of the chat box for livechat, theres an envelope where u click it and enter ur email address where a copy is sent to ur email address.


  9. #9
    Basic Account Holder abbyyurt88 Novitiate



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    Default Re: QuickQuid Repayment Plan

    SturdyMo, do everything in email or writing so you have your proof.
    Ive had several problems with them,such as them not crediting my postal order payment to my account. They say that because i sent it to the London address and not the Sheffield address, it takes long longer to proccess as they have to forward the payment on to them. Its already been 15 days and now im panicking as to what to do if they dont credit my account and/ or dont return the postal order.

    However on live chat with the collections department, due to redundancyicon I cant pay the amounts they want and so i got it down to 56 a month via direct debiticon,...but its a different account to my normal one. Took me 2 days to sort it out as the manager was meant to call me back within the hour yesterday, but it didnt happen and so i waited more than 1 hour longer than i shouldve today but u have to keep on at them if you want to get anywhere. I had to keep on their ass to send me a confirmation email of the repayment planicon.

    Also, if you write to them, its unlikely they will respond to you. They are in the USA but operate here so if they tell you you cant repay by Postal Order, ignore it as they wont refuse your payment. They also told me by mailing the payment to Sheffield address, theres nobody there to sign for it so i couldnt have send it by recorded post...basically calling me a liar....but i sent it to their correspondence address in london lol

    But yeah, so far it seems i have gotten somewhere with them, but I just need to find out my rights about what happens to my postal order ive sent if it isnt credited to my account by November as they are saying there is no record of any received payment on my account. I worry about who i would have to report to if my account isnt credited, how i get my money back etc...xx
    They updated my details but i had to chase their ass for confirmation of repayment planicon as my account when i log in states they are processing a payment of 345.33 LOL


  10. #10
    Basic Account Holder abbyyurt88 Novitiate



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    Cagger since : Sep 2012
    Posts : 106 (0.07 post per day)

    Default Re: QuickQuid Repayment Plan

    SturdyMo, do everything in email or writing so you have your proof.
    Ive had several problems with them,such as them not crediting my postal order payment to my account. They say that because i sent it to the London address and not the Sheffield address, it takes long longer to proccess as they have to forward the payment on to them. Its already been 15 days and now im panicking as to what to do if they dont credit my account and/ or dont return the postal order.

    However on live chat with the collections department, due to redundancyicon I cant pay the amounts they want and so i got it down to 56 a month via direct debiticon,...but its a different account to my normal one. Took me 2 days to sort it out as the manager was meant to call me back within the hour yesterday, but it didnt happen and so i waited more than 1 hour longer than i shouldve today but u have to keep on at them if you want to get anywhere. I had to keep on their ass to send me a confirmation email of the repayment planicon.

    Also, if you write to them, its unlikely they will respond to you. They are in the USA but operate here so if they tell you you cant repay by Postal Order, ignore it as they wont refuse your payment. They also told me by mailing the payment to Sheffield address, theres nobody there to sign for it so i couldnt have send it by recorded post...basically calling me a liar....but i sent it to their correspondence address in london lol

    But yeah, so far it seems i have gotten somewhere with them, but I just need to find out my rights about what happens to my postal order ive sent if it isnt credited to my account by November as they are saying there is no record of any received payment on my account. I worry about who i would have to report to if my account isnt credited, how i get my money back etc...xx
    They updated my details but i had to chase their ass for confirmation of repayment planicon as my account when i log in states they are processing a payment of 345.33 LOL


  11. #11
    Basic Account Holder Ceri Thomas Novitiate



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    Default Re: QuickQuid Repayment Plan

    After my recent experiences I would most definitely say the better option is to email quick quid or send a recorded letter, payday lendersicon are terrible to deal with over the phone.


  12. #12
    Basic Account Holder Ceri Thomas Novitiate



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    Default Re: QuickQuid Repayment Plan

    From the last letter i wrote to quick quid on the 3rd of Jan it has taken until today to receive a reply to my official complaint, not only has the reply taken over a month to receive but it's just at this stage an apology whilst they review my case further, not much i can say other than quick quid are far from efficient when i comes to dealing with complaints, although a payment plan was arranged with quick quid previously they took the full funds from my account bringing me over my overdraft so that I will incur further charges, their debt maybe paid but my finances are far from resolved.


  13. #13
    Royalties Account Holder renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp's Avatar



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    Default Re: QuickQuid Repayment Plan

    If you made a FORMAL complaint, then let them try and stall. They have 8 weeks to resolve your complaint, or you can take it to the fosicon. QQ think they operate under US law and think most people dont have knowledge of their basic rights in the UK.


  14. #14
    Basic Account Holder Ceri Thomas Novitiate



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    Default Re: QuickQuid Repayment Plan

    Thanks for making me aware that quick quid have 8 weeks to resolve my complaint as they really are milking it, had i not known that's the case i would have thought their just ignoring me, funny how they can get the cash in your account in 10 minutes but take forever to resolve a issue.


  15. #15
    Royalties Account Holder renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp's Avatar



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    Default Re: QuickQuid Repayment Plan

    They do that, because a lot of people have no idea of the 8 week time limit and just forget about the complaint. This allows the lender to carry on as they were.


  16. #16
    Basic Account Holder Ceri Thomas Novitiate



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    Default Re: QuickQuid Repayment Plan

    Sounds about right I'm sure quick quid are well aware of what their doing, if there's a loop hole to be exposed they will find and use it!



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