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    • Documents arrived today dated 27th March.  This is a cc taken out a long time ago (2008) and they don't seem to have been able to provide a copy of a CCA agreement, just reams of print outs of lines of texts from old bank statements, default notices etc.   
    • Documents finally arrived today from PRA group.  New day have sent me lots of paperwork, copies of default letters and statements, print out of what looks like a CCA that would have been completed on online, IP address as signature.  This debt is not too old, so possible this is the true copy of agreement ?  Not sure what my defence would be beyond irresponsible lending. 
    • pers i wouldn't.. all you need to know is in the posts of that thread....that being section 127(3) of the CCA refers. if under a CCA return, the 'creditor' claims its a recon, it must not contain any details like a sig, tickbox, or typed name (whether you signed physically or by online tickbox) 1. those are not necessary in a recon, so why inc them? (faked??) 2, it cant thus be a recon!!, it must be a copy of the 'original' from the original creditor, not from a debt buyers filing cabinet. they shouldn't not be 'mixing' some original docs from the OC with crap from their filing cabinet, claiming its ALL a recon! because some of it is faked. just remember there are far more docs like NOA and a DN that are as equally important to a court claim of 'this debt is enforceable'. never rely solely upon the dodgy agreement argument.
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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Quickquid complaint and they email a questionnaire


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Hi,

 

I sent in a complaint to QQ and they have emailed me saying that "in order to better assist you, we ask that you fill out below information so that we can thoroughly review and respond to your complaint".

 

The questions briefly

 

1. Income per pay cheque at time of loans

2. Monthly expenses (mortgage,rent, travel, bills etc)

3. 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 pleaserovide the name of the website?

4. Did you tell us that you were experiencing financial hardship? If so,when?

5. Copy ho banks statements from roughly time of loans

6. Payslips from roughly time of loan.

 

 

Surely they should have all the information they needed before providing the loans regarding g income, expenditure etc

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What is the complaint regarding?

 

If you give more information then others can give you accurate advice.

 

Is this your debt or your OH?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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They do this with every complaint. Its entirely up to you how you chose to reply, but i would be very wary of sending them any bank statements or in fact anything that they can use against you further down the line!

The end result will be the same, whether you provide all of the info or not. They will either reject your complaint, or will offer an amount of about 10% of the amount of interest and fees you paid. I am not trying to put you off- far from it- but i do want you to have realistic expectations of the process.

Your complaint will take 8 weeks, then QQ will almost certainly come back wiht one of the 2 options above, or will simply tell you they havent had time to resolve your complaint.

You need to take it the FOS as soon as their 8 weeks are up, because you will not get a reasonable offer from Quick Quid.

Once you have taken the complaint to FOS, they will either ignore your adjudicator, or will argue that they were reasonalbe, and the complaint will most probably be sent to an ombudsman.

Its extremely likely that it will take 8 weeks with QQ, and at least another 8-12 weeks with FOS.

 

But back to their questions! I would reply exactly as you have here. If they were responsible lenders, they would already have all of this information. Its none of their business whether you used a template, or where it came from, and they should treat yours as an individual complaint. They need to address your issues based soley on the information they hold on file for you.

Best of luck with your complaint- stick with it- it will be worth it in the end :)

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Thank you for the information, I will explain that obviously they should have all the info provided to them by me when I applied for the loans.

 

Have already been successful with Wonga and got there refund last week.

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