Hi Silly Yep indeed I did! Probably because I was just a tad incensed when I wrote that after reading the QQ reps post!

I have to admire you for posting QQ customer service rep but as you say in the states I'm just going to tell it how it is ! In my dealings with QQ both by phone and email I have found QQ to be -: 1.) Totally unprofessional 2.) Rude 3.) Bullying 4.) Thoroughly unhelpful Because of the above I have zero trust in QQ as a company and will now only deal with you in writing as is my right, I feel this method protects both parties and ensures there are no misunderstandings. You say in your post that you "don't arrange payment plans via email" this is simply not true as you have offered me 2 payment plans via email. The only possible reason I can think of for refusing to deal with someone in writing in these days of electronic communications is that it would be too transparent and would serve to prove how QQ as a company show a blatant disregard for the guidelines laid down by the OFT etc.... I should also point out that I did sort out a payment plan instantly with another PDL company by telephone (subsequently confirmed in writing) because they were both helpful and professional from the off. To all you Caggers out there do not forget the golden rule ...... Only deal in Writing !!!

Thanks for the advice Bombay and Quack Quack. I have decided Im gonna play them at their own game as the repayments on the payment plan they have offered are getting higher and higher with each email my offers to them are now going to get lower and lower! lol Lets see how they like that!!!

Thanks Bombay I was thinking about doing thhe token payment thing myself actually! They really are awful to deal with aren't they! I can't quite work out what their agenda is? You would think they'd want to get something sorted as soon as possible .....but no! The debt is less than 800 so my offer to them would have meant it was paid in less than 6 months I could almost understand if I'd offered them a tenner a month or something! Oh well their loss cos I really am not worrying about it any more!

Already done this Sillygirl in fact have copied them in on all correspondence with QQ recently so QQ are also aware of this. Had a reply from OFT too this week standard thankyou for your complaint type thing and am also going to forward the QQ reply to them as an apendage.

Quick update - I have now had an email from them saying my work tel number has been removed from the system (result) although they will still contact me on my mobile as I signed an agreement agreeing to all forms of electronic communication when i took out the loan! They have also offered me a "new payment plan" which is basically the whole lot owed in one payment at the end of this month?????????? I really don't get these people if you see the letter to them i posted earlier they know this isn't going to happen, so it's as if they have no interest in resolution? I'm now at the stage where I really cant be bothered to even email them anymore it seems like a pointless waste of time as they totally ignore what you can afford! Not sure what my next move should be or even if there should be one???

instead of taking it down couldn't you just remove QQ and replace with PDL CO or something like?? And Quack Quack I found this thread eventually !!!

yes link pls quack quack

Thanks Sillygirl I'll try this I'm also thinking of filing an official complaint letter with the financial ombudsman about this I understand that the form is very long and the procedure can take a while but I have been absolutely disgusted with QQ! I'm quite savvy and up to speed with my rights etc.... I really hate to think how this company are so intimidating that they've probably scared less savvy people half to death! The way they speak to you on the phone is frequently nothing short of appauling too and then their tag line at the end of every fraught and frequently rude conversation "thankyou for choosing quick quid" makes me want to kill Grrr !!

Hi Sillygirl, I hope I'm not imposing on you but you do seem to be something of an authority on PDL's. Could I ask you to have a look at my 2 posts re quick quid (both in the same thread) and see if you can offer any further advice. The main things i want to achieve are to stop them calling my work and to sort out a payment plan both of which are proving to be very difficult! Many thanks.

Also forgot to mention, I would love to stay off the phone but despite me requesting that they only contact me via email they continue to call my work! It's really not funny! I have now sent the official complaint letter and am praying that the calls to my work cease! As you can see above I have been trying to sort a payment plan out with them but it's verging on impossible.... they seem to be total cretins!

Thought you might be interested in the letter i have sent QQ today (below) I'm having a nightmare with them I don't know how anyone can sort out stuff with them? The calls at my work have just been awful.....maybe i should have just ignored it rather than trying to deal with it!! Dear sirs I am now getting more than a little frustrated with Quick Quid. On 3/2/12 i had a telephone conversation with a lady who called me from Quick Quid, she promised to email me with a payment plan. On 6/2/12 I received an email from you saying my payment was overdue etc... but no payment plan so I emailed you to explain I had spoken to someone and was awaiting a payment plan On 7/2/12 I received a payment offer from you spreading the balance over 3 months to which i replied on 8/2/12 saying i was still unable to afford these repayments you then replied the same day with an offer spreading the balance over 4 months. I replied on 9/2/12 saying I was still unable to afford this and would you accept £100 for two months followed by payments of £150 per month. I received a reply also on the 9/2/12 negating to say if you accepted my proposal and just stating that you would not accept standing orders and detailing your accepted payment methods. I replied the same day stating that i may be prepared to pay via paypal if you could explain how I would do this and that failing this I would send a cheque each month also i pointed out that you had negated to say if you accepted my proposed payment plan . I then received a reply on 10/2/12 offering a payment plan once again spreading the debt over 3 months (identical to the initial offer) which is clearly no help at all and out of context with the previous correspondence! I replied again on 10/2/12 suggesting that you review the previous correspondence between myself and Quick Quid before replying to my emails. And finally now today I receive a reply saying that you are awaiting confirmation of a payment plan and collections will continue???? Whilst all this has beeen occurring you have also been constantly calling my work and on one occasion even played a recorded message down the phone to a collegue asking for them to call you urgently! The message even failed to state who it was for! All this has put my employment in jeopardy and been hugely embarrassing and resulted in my sending you a Formal letter of complaint on 9/2/12 and copying both Trading Standards and the Financial Ombudsman in on it. Nedless to say I have not received any reply to this nor have i received a copy of your company complaint procedure as requested. Quite frankly I am now at the end of my tether with Quick Quid! I am not trying to avoid paying you nor am I hiding from the problem but it appears from the above that you have no wish to sort any arrangement out. I have once again copied the Financial Ombudsman and the office of fair trading in on this correspondence. I await your written response