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About Me


  1. Well back again after a number of years following your success in getting unwelcome finance out of my life forever. I have been receiving emails from lantern relating to a quick quid loan I admittedly did not fully repay as I was at the time backed into a place where my only way out was to stop paying the payday loans and then deal with the fallout or lose everything. Just at that Time I had loans with Wonga, Myjar, quick quid and pounds to pocket using one to repay another and getting deeper and deeper in. Anyway Wonga wrote off their balance in full with no comebacks follow
  2. I had a quickquid loan back in 2012 didn’t end up paying it back. It doesn’t show on my credit file. Quickquid sold it in 2013. It’s currently with PRA group who chase me for it sometimes. Now I was on a payment plan with payplan with last payment being in July 14. I asked payplan for records of who I was paying and I cant see anyone listed as quick quid theres one on there called Mackenzie Hall and cash window there the only ones I cant remember or are not sure who I might have been paying, I’m worried PRA might go to court before this is potentially stat barred(if I did make a
  3. my friend cancelled his JSA claim today and has appointment booked with his ingeus advisor tomorrow, he has asked me if he can still get sanctioned for not attending as he is switching from JSA to ESA? sorry to keep going on but he keeps asking me.
  4. Hi. As some of you may know, I'm having problems with my employer. Their latest "trick" was to call for a capability meeting (I have a "protected characteristic) So far, ok. I have no problem with that... We (Union Rep and I) went through. We discussed it, we all agreed on a slight amendment to my work. Basically, they agreed to curtail the amount I drive. The agreement was three days a week, I would be limited to under 200 mile, and I would agree that the other two days, I could do over that amount, but not over 300. The people there were: Head of HR. My Line M
  5. my doctor will be sent a form from the DVLA to fill in re my medical fitness to drive. In the past 3, 4 or 5 months my mental health has been excellent no problems. BUT earlier this year like 7 months ago I (voluntarily) admitted myself to a psychiatric ward and was there for 3 weeks. I know the doctor will have a question to answer along the lines of "has the person been admitted to a hospital in the past 12 months for psychiatric treatement?" Does this mean I won't be allowed to drive until a year has passed since my admission date, even though I have been fine in recent mo
  6. I would appreciate some advice on the insurance that I had while ago. Whilst going through some paper work I came across some insurance policy that I had when I had the mortgage with Abbey. It is a life insurance linked to the mortgage and it is paid off now. But I never claimed anything back as it was part of the mortgage that I had to have this. Is it too late to claim anything back now?
  7. Hello Everyone Would any one be able to offer any advice on my situation please ? Went Bankrupt 6 years ago, all unsecured debt. One of the debts was a payday loan by Quick Quid. All creditors amended their entries on my credit reports to show that the debt was satisfied and the default dates were on or before my date of bankruptcy order. These are the ICO guidelines. All well so far. Quick Quid have recorded my account as Defaulted which is correct but the date of Default is 3 years after my Bankruptcy order. This is against ICO guidelines. I wrote to call Credit and
  8. Dear all I wonder if you can help? Last week I received a letter from our friends at MMF chasing a quick quid loan and threatening a CCJ. This made me take my head out of the sand and decide to do something – but I fear I might be too late I had 15 loans from QQ from December 2010 to the last one in (which was an extension of an existing loan taken out in Dec 2011) in March 2012, which I didn’t pay to break the cycle. I have paid over £3k in interest. I took a loan out every month which was an increase or an extension. At the time they lent to me, whilst I wa
  9. Hello all, they have never provided me with full list of loans ( i think I had more than 15 with them) here is their final word... QuickQuid Customer ID: xxxxxxxxxx We are in receipt of your complaint dated 16/08/2017 where you allege that QuickQuid irresponsibly lent to you. Specifically, you mention: • The loans were unaffordable • You were dependent on short term lending I’ve investigated your complaint and would like to bring your attention to the following points: Under the Financial Conduct Authority’s rules, complaints cannot be made where they concern an e
  10. Hi, so like many over the past few months I'm new to this site and have received a letter from Moriaty Law stating that I owe £877.55 from a loan I took out with Quick Quid back in May 2012. As I'm already paying one debt off with Moriaty I contacted them straight away and questioned it. I probably should have posted about this earlier before taking any action, but here's what's happened so far: I've asked them to provide all/any documentation they can in regards to the load as I genuinely don't remember taking it out. There's a fair chance I did as but I'd like to see proof first.
  11. Hi ]Have an old loan with Halifax that we defaulted on in July 2011 (thankfully should be getting removed soon). Anyway we have been paying back what we owed for what I'm sure is now the last 3 years if not 4/5. The thing is we pay £50 a month for what used to £25 (reg payment), but the the thing is we are still paying interest so £25 goes on that......does that sound right or should we not be paying interest on a defaulted account?. The amount we owe barely seems to be reducing. I think we still get statements from Halifax. Sorry can't paragraph properly I'm using my mobile.
  12. Hello. Had a whirlpool washing machine off brighthouse which I have been paying for 3 years with insurance cover and only have 2 weeks left to pay. The washing machine bearings have gone and brighthouse sent a guy to fix it and he said they will right it off and left a form. I contacted brighthouse and the lady said because it is 3 years old she is having trouble replacing it and would I like a new one with a reduce price which I refused. Now the lady is saying if it is replaced it will be one that is 3 years old. I am a bit confused on their website it st
  13. In 1996, I applied for the then student loan for as 2 years course. Once I finished my University, and for a long while, I didn't get any jobs where my earning reached the threshold necessary to start paying it back. I then moved to Australia and live there almost close to 4 years. I hadn't heard anything from the SLC (Student Loan Company) since 1997. When I got back from Australia, I suffered a stroke and since then I have completely forgotten about this loan. However, last week, I got a letter making demands to pay the loan back? Isn't this supposd to be st
  14. August last year i was struggling for money, stupidly i applied for a payday loan from QQ at the time of taking this out my credit rating was appalling. i made the first payment but after that found myself struggling to continue making the payments due to several factors. the loan was for about £400 but since then it has gone up to £700+ . i emailed them a number of times asking to consider writing of the debt and gave them the reasons why including low income, loss of benefits / job, stress of debts, bad credit score etc. I also pointed out that the constant phone calls a
  15. Hopefully a quick question. I've been taken to court by the water company, who are looking to get a CCJ. I've agreed a repayment plan with the company. Do I need to do anything on moneyclaim or with the court papers or can I just leave it? Thanks
  16. Complicated story. My neighbour confided in me she just found out she is being evicted at 9am on the 11th Jan 17. She is 69, has long term mental health conditions and her affairs were previously handled by the court of protection for some 20 years. She is a leaseholder (66years remaining) of a flat within a house conversation, it appears from the paperwork I have seen the landlord has been successful in gaining possession and she is now being evicted by way of forfeiture. The original claim for forfeiture in 2014(?), which was withdrawn states for
  17. Hello everyone, I had not even realised that people were reclaiming charges and fees from the like of Wonga and quick quid. Back in at the end of 2011 and beginning of 2012 I had lost my job (just as well since they owed me thousands in wages) and been out of work for several months. With the new job I had i was earning £300 a week and was being chased by debt collectors and the courts for outstanding debts (thankfully sorted thanks to CAGGERS amazing help !) I took out several loans between 2012 and 2013 they are listed below. Does anyone have a template or any comments/input/advice at a
  18. Hello all, My car insurance is with Bank of Scotland. BoS insurance operate a paperless system so everything is electronic and accessible online, no paper copy of documents is delivered unless requested. Yesterday I changed the car insured under my policy. A charge for which was levied as was expected due to the difference between the two cars, however I was also charged what appears to be a standard £25 'administration fee'. What's the justification for charging this amount when everything is electronic, with no human intervention (not even to update my policy) and no documents
  19. Hi I have downloaded the compound interest and simple interest XLS files for working out a PPI claim. I have all my GM card bills from 1994 to 2004 when I paid it off and stopped using it. When I enter the PPI premiums and interest in the the compound interest file it comes out to an awful lot of money as it works out the interest up until today. Is this correct? And do i also claim simple interest on top of that? I don't expect to get it all but I would like to be accurate in what I ask for. reading the forums I seem to have two options the FOS route or small claims.
  20. I bought a second hand TV on gumtree 6 months ago, the guy had bought extended warranty cover and it still had a year to run. Last week the TV broke down and in the small print it stated that the warranty should have been transferred into my name at the time. When I contacted the guy he said deal with it yourself "phone and pretend you're me" which I did. The warranty group have honoured the warranty and arranged for the TV to be picked up and repaired. Today I got a call saying the TV has been written off. Which means I can have a replacement or vouchers I think.
  21. I have looked round for such a Site many times when looking over there for problems similar to we have in the UK.And maybe join such a group to chat to some of our American friends. Never seen it before,or missed it when looking, and the link does not work anyway. A test bed,it says. Now i am sure a wise one ,as i am not tech minded can tell me how long this was going,or perhaps going to happen perhaps. Just copied this to show you how i was baffled,it does not take much to achieve. This is what i am on about. Consumer Action Group - Americans Unite to Reclaim the Right Free h
  22. We got my niece a Hp laptop for christmas in the middle of december and it has just come down with a keyboard fault . press s and you get sx etc on two blocks , now my feeling is it is a switch underneath that has gone bad , will it be a straight forward replacement or will they send it away for repair . she uses his for her homework i have reset it to check the keyboard so i know its not software but hardware failure . It was brought at tescos i forgot to add
  23. Hi, I'm a regular Lidl customer and can prove it from receipts. On 25/07/14 I parked in Lidl as my wife had a hospital appt (a 20week pregnancy scan) and the hospital parking/on street parking nearby is a nightmare. I intended to return within the 90mins allowed to shop in Lidl (I did shop in Lidl afterwards but it was after I left the car-park (exited car-park 13:31, time on receipt 15:07)). We ran a bit late (as the baby was not in correct position!) and I didn't want to miss the scan by running back to Lidl so we were 17mins 52 seconds over the allowed 90mins. I now hav
  24. Hi Hubby had PIP assessment in Nov 2014. Awarded in Feb 2015 with renewal Dec 2016. Received renewal forms Dec 2015 and sent back. Text received 13th Jan to confirm receipt and now received a letter for another assessment next week. I've asked about recording but have been told I must provide my own recording equipment and must has permission from ATOS and the person doing the assessment. Does all this sound correct. The last assessment the lady came to our home but they have said he doesn't qualify this time due to recent changes.
  25. I am in charge of the company cars at work -they are all leased. Today received a Parking Eye charge notice for one of the lease cars as they contacted the lease company to find out who leased the vehicle Date of Event 02/01/2016 Date issued 27/01/16 Date received 02/02/2016 I rang the lease company to find out what day PE were advised that we had the car - it was 13th January............... Is the above timescale right ?
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