QuickQuid accounts are being routinely passed to every form of DCA lowlife you can think of. You get a few threatening communications and then it is passed on to the next one

CCA Request CCA letter to send with a £1 postal order by recorded delivery, do not sign. They have 12 plus 2 working days to reply. If nothing valid is received you can send a letter to put the account in dispute. http://www.consumeractiongroup.co.uk/forum/content.php?414-CCA-request-letter Account in Dispute letter to send after 12 plus 2 working days http://www.consumeractiongroup.co.uk/forum/content.php?436-Failure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale

They rely on 'poor little old ladies' and anyone they can easily put pressure on. Get all the information then you can hopefully get this settled

Hi Geee In my case I claimed over £900, they replied with an offer of £50. I then wrote again and explained that my costs were reasonable, that I was a LIP and if I had used a solicitor my costs would be far higher. I also threatened again with an N252. The next reply offered £150 'as a gesture' and they also added 'in case you fail to accept this offer and continue with this matter then we put you on notice that your application will be defended and we will seek costs for your unreasonable behaviour' !! UNREASONABLE, MOI?! I then wrote and told them that my costs were not unreasonable, I would take the matter to court and would add additional costs. I also pointed out various serious 'errors' their 'client' had subjected me too, mentioned my OFT complaints and suggested that further complaints would be made. I suggested that an offer of £300 would be acceptable (more than the amount that they actually issued the court claim for) and that they would hear no more from me. I got the cheque for £300 within 7 days

Geee Think that you need to send a few more threats to TR before issuing the N252 If this goes to court, it will cost them at least £200 in fees on top of whatever the court awards you so it is in their interest to settle. let me dig out my stuff

Geee - let me have a look at this later today and i will go through how I bumped up my miserable TR offer with you. Am a bit busy at the moment but WILL get back to you.

Have a look at this! http://www.guardian.co.uk/commentisfree/2012/sep/09/payday-loans-shaft-the-poor?INTCMP=SRCH

Trouble ahead! http://www.credittoday.co.uk/article/14342/online-news/mortgage-lender-buys-credit-card-debt

No - that would only relate to a Credit Agreement request and Mobile phone contracts do not have these. You should have received a NOA from the original creditor and/or HFO if the debt was sold to them. Basically write and say Account ref xxxxxxxxx 'I acknowledge no debt to your company' I have been contacted by your company in the past regarding this account but now require that you forward me copies of any correspondence relating to this and a detailed breakdown of current and previous balances, statements of any payments received by you plus charges and interest applied. I also require copies of any documents relating to your claim to administer this account including any Notices of Assignment. Please note that I have made payments to you on the basis of telephone calls made to me in the past but will be making no further payment until I receive the documentation mentioned above. I look forward to your prompt response otherwise I will consider this matter closed' Or something to that effect. Can you tell me about the original debt?

Also ask for copies of any documents relating to their right to collect this alleged debt i.e. Copies of any Notices of Assignment and head your letter 'I acknowledge no debt to your company'. Certainly give them your correct address, you have nothing to hide - request that all contact with you is conducted in writing only

I disagree (sorry ) still think that you MUST stop the DD, wrong way to pay. However as DB rightly says - write to them to cover yourself and say that you have ceased payment until your queries and concerns regarding this account are clarified. Ask for a complete statement of account, original balance, details of interest and charges applied and request proof of your liability The address will be West Byfleet (do not worry it will get passed to someone) and send recorded. Mobile phone contracts rarely result in court action. Can you give us the details of the original debt?

No chance of a CCJ! Trust me!! Or a default being registered. If you have received nothing to say this has been transferred to Rox - it probably has not been. Stop paying now. See if anyone notices. Any idea how much you have paid these vultures?

Yes - stop the DD. See if anyone contacts YOU but certainly pay no more! It sounds like you have paid enough. Have you ever received a statement?

Morning

Where did the Notice of Discontinuance come from??

Need some Welcome experts to look at this - I have asked DOH to look in!

No - it is Welcome - and they are just as dodgy, IMHO

Anyone with evidence against Hart should be complaining to the courts and OFT. Only way to stop him

Hit them for costs!! Details please

Well done Lukiee!!

Presume that you have written and told them not to contact you by phone and also this account is 'in dispute' as they have not met your CCA request. Would suggest a formal letter of Complaint stating the facts plus CC this to OFT

Great - let us see what they come back with

Yes - fine! Just trying to help

This is how I did mine - with a summary of what had happened first. Sorry, the formatting has gone west! but you can get the drift : IN THE NORTHAMPTON COUNTY COURT CLAIM NUMBER xxxxxx BETWEEN HFO Capital Ltd Claimant And xxxxxxxx Defendant ……………………………………………….. DEFENDANT’S BILL OF COSTS (After Service of the Claimant’s Notice of Discontinuance) ……………………………………………….. 1. On xxxx the claimant commenced proceedings in relation to an alleged account held by the defendant with the claimant. The Particulars of Claim served were vague and also claimed ‘instalment arrears only’. The defendant was forced to spend time researching the claim and the legalities of it including contacting Northampton County Court and HMCS. 2. On xxxxx the defendant entered acknowledgement of service and stated that she would defend the whole claim 3. On xxxxx the defendant made a request for disclosure, pursuant to Part 31 of the Civil Procedure Rules, to the claimant, to allow the defendant to properly respond to the claim. The Claimant failed to respond to the Part 31 request. 4. A defence to the claim was submitted to Northampton County Court on xxxx 5. The defendant made further enquiries of the Courts Service on xxxxx and was informed that the claimant had not responded to the defence and the claim had been ‘stayed’ . 6. On xxx the claimant served Notice of Discontinuance of the whole of its claim this notice was received by the defendant on xxxxx 7. At all times the defendant was a Litigant in Person within the meaning of Litigants in Person (Costs and Expenses) Act 1975. Time spent by the defendant is charged herein at an hourly rate of £18. 8. The case, being one relating to an unspecified ‘account’, required the defendant to spend time in locating and examining any possible documents and statements relating any account(s) the defendant may have had with the claimant, in order to determine whether or not all financial obligations had been fully discharged at the time. 9. The defendant was obliged to spend time in considering and understanding numerous strands of law, including the Consumer Credit Act 1974 and all subsequent amendments thereof, and the Unfair Terms in Consumer Contracts Regulations 1999. In addition the claimant spent time researching the County courts act 1984 the Law of Property Act 1925, the law of assignment, practice and procedures of the court, HMCS guidance on enforcement and company documentation relating to the Claimant. 10. The defendant was obliged to spend time in drawing their defence and making, requests for information under the Civil Procedure Rules. 11. The Defendant was further obliged to consider the Notice of Discontinuance and its effect upon the litigation and her consequential rights and obligations to include her rights and obligations upon the matter of costs and the relevant rules and practice directions of the CPR in reference to the detailed assessments of costs as applied to Litigants in Person. 12. The following is a statement of the work done in the course of the proceedings. Where there is a charge for time spent, the amount of time recorded as spent represents the defendant’s fair estimate of the amount of time spent by them. Date Time Spent (Hours) Amount Claimed (£) xxxxxx Receiving and considering the Claim Form and the Particulars of Claim 3.0 54.00 Searching for and locating paperwork from 2006 for the alleged account 3.0 54.00 xxxxx Acknowledgment of Service 1.0 18.00 xxxxxxx Research regarding claimant’s identification and company registration 2.0 36.00 Research regarding consumer credit law, County courts act and Law of Properties 10.0 180.00 Preparing defence 4.0 72.00 Contacting Court Service 2.0 36.00

Yes fine. Make sure that you add the bit about issuing an N252 I submitted a claim for more than you but they came back with a ridiculous offer. After a few more letters I got just under £300. See what they come back with but do not take the first offer!