Just an update on my last message. To recap: QuickQuid's site told me that I was in default, I phoned their number and they told me "not to worry". Another visit to their website, and my profile had been wiped ("There is no account associated with that email address"). Three months later, and I haven't heard a thing from them. There's nothing showing on my credit record, and they haven't claimed my payment from the bank. I've cancelled my Direct Debit following the post above, and wait to see if they'll bother getting back in touch with me.

I've had a similar problem. They did not take the money I owed out on the due date, so I phoned them. They told me that I shouldn't worry, but couldn't provide any more details. When I try to log into the site, it no longer recognises me. Does anyone know what's going on at Quick Quid?

I've drafted something that is a bit softer than rory32 or nukem. This isn't for people who want to dispute the debt, but just want Moorcroft to stop hassling them. I would suggest sending this as soon as you get their first letter. Don't be pressured by their demands to hand over money straight away. You have the right to settle your account within a reasonable time-frame. ------------------------------------------------------------- Your Address, Your Address, Your Address, Your Postcode Moorcroft Debt Recovery Ltd., P.O. Box 17, 2 Spring Gardens, Stockport, SK1 4AJ Moorcroft Reference: XXXXXXXXXXXXXXXXX Date, Date, 20XX WITHOUT PREJUDICE Dear Mr. XXXXX, Thank you for your letter dated XX/XX/20XX, regarding my alleged debt to XXXXXXXXXXX. I am currently reviewing this situation, and will endeavour to settle this matter to both parties' satisfaction within a reasonable time period. I will contact you to discuss settlement of this matter within 21 days of the receipt of this letter. This letter will be deemed delivered on the XXth of XXXX, 20XX, two working days from today. If Moorcroft Debt Recovery (henceforth known as Moorcroft) wish to claim the sum outlined in the letter (above) using the Small Claims Track of the County Court System, the Judge will evaluate whether reasonable attempts have been made to settle this matter without recourse to the courts. I wish to clearly state that I am anxious to settle this matter in a timely manner, and do not seek to unreasonably delay settlement. My proposal is that I discuss final settlement with you on the date noted above (the XXth of XXXXX, 20XX), which is within a month of receiving initial contact from Moorcroft. Rejection of this proposal, and an escalation of this matter before the XXth of XXXX, may be construed as unreasonable behaviour on the part of Moorcroft, and may damage your case, were it to come before a Court. In the meantime, I would appreciate it if you could provide me with a signed true copy of the executed deed of assignment for the above referenced agreement. This is an obligation, whether you are the original creditor or not, under section 189 of the Consumer Credit Act 1974. In addition, please ensure that any further contact initiated by Moorcroft regarding this matter is made in writing, or by email, only. Letters may be sent to the address above, emails may be addressed to XXXXXX. I will endeavour to answer any written correspondence from Moorcroft within 3 working days, and email contact within 1 working day. I would draw your attention to clause 2.6 J of the Office of Fair Trading Debt Collection Guidelines (July 2003, Updated December 2006), which clearly state that Debt Collectors must not “[act] in a way likely to be publicly embarrassing to the debtor either deliberately or through lack of care”. I also refer to Clause 2.2 G of the document named above, which states that Debt Collectors may be guilty of unfair practices if they “[ignore or disregard] debtors' legitimate wishes in respect of when and where to contact them”. Any visits to my home, or any telephone calls made, will be construed as being publicly embarrassing, and contrary to my legitimate wishes regarding communication. Should contact be made by these means, they will be subject to a complaint to the relevant authority, and possible legal action. It is understood that my failure to respond to contact by the above means would force Moorcroft to rely on other methods of communication. However, Moorcroft must demonstrate that I have failed to answer written or emailed communication in a timely manner if they are to resort to communication by other means. Moreover, I would also draw your attention to Clause 2.6 A of the document named above, which states that Debt Collectors must not “[contact] debtors at unreasonable times and at unreasonable intervals”. A record will be kept of all contact initiated by Moorcroft, and the nature and content of the message being communicated. Any further communication initiated by Moorcroft must clearly be used to advance discussions between Moorcroft and myself. Communications which do not include any new information, do not seek to develop negotiations, and which simply re-iterate points of view already discussed, will be treated as vexatious, and may also be subject to a formal complaint or legal action. In summary, I am anxious to bring this matter to a close as soon as is practicable. As previously stated, I will be in contact on or before the XXth of XXXX, 20XX to discuss final settlement of this matter. In the meantime, I ask Moorcroft to observe the correspondence guidelines set out in this letter, and to abide by them. Yours Sincerely. XXXXXXX