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  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 following a legislation change. I sent quick quid a letter stating I was intending to defend the way the loan had been approved after a number of previous loans, Irresponsible lending, and received a letter saying they were looking into my complaint and received no further communication from them so forgot about them, then sent their reply to Quick quid as they are the same company they simply replied saying they would take me to court, then heard nothing, now fast forward four years and I start getting emails from Lantern, I have not replied to any of them. Firstly for one quick quid account and now they are saying I have 2 quick quid accounts totalling 2,900 pounds. If I try to pay this it will put me right back to square one after managing to get back on my feet and clear all other debts, and start to rebuild my credit rating. Any advice will be welcome.
  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 payment in July 14) Do you think I should do anything, my last payment to quickquid would have been in 2012 so its stat barred if that’s the case, it’s just whether I did pay anything with payplan and it’s gone to a random debt collected. Do you think I should be proactive and get an IRL complaint in or not do anything?
  3. Anyone else had one of the emails reporting a data breach by Trusted Quid? Have I got any recompense towards them over this?
  4. 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 raised a dispute and they simply wrote back and said 'Quick Quid have not responded to your dispute so you need to contact them yourself' I have done that and they are not responding either. Any suggestions on what I can do / put in my next letter of complaint ? Cheers
  5. 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 was on a good salary, due to mental health issues I was in total financial disarray. I was on a DMP with debts of approx. £38k, I had 8 defaults and also debts with Wonga (written off) and Payday UK (paid in full). QQ never reported a default to any CRA (although they did send me a default notice y email in june 2012) to be honest with sorting out all the other messes I conveniently forgot about them until MMF kindly got in touch. further to the MMF letter I wrote to QQ to complain about IL and had a standard template reply saying its past 6 years so we don’t have to do anything go to the FOS. I also wrote to MMF informing them I didn’t acknowledge the debt, that the account was in dispute and asking for the loan agreement. They have agreed to put the account on hold for 30 days. So my questions are 1) is it worth going to the FOS after all this time? I have evidence of my financial state at the time as kept a couple of old Credit reports, I could get bank statements (not sure if they will help my case due to my salary and borrowing) but cant do this until pay day, 2) have I now acknowledged the debt by putting the claim in thus resetting the clock 3) as I paid to extend the loan in march 2012 does this count as a new loan (asking as this would be under the 6 year mark?) 4) would it be worth just offering MMF a low FFS figure I really do want to avoid a CCJ or default or do they have to wait for the FOS complaint I have worked so hard for the last 10 years to pull myself out of this mess and am nearly at the finishing line , I really don’t want to give up without a fight. TBH i dont want any cash back just acknowledgement that the last loan is unenforceable
  6. 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 event that occurred more than six years ago. Of course, we will still investigate your allegations as they pertain to any loans you have received in the last six years. AFFORDABILITY In your complaint you allege that QuickQuid did not perform a credit check or affordability assessment. We have reviewed your file and can confirm that, in line with our internal process, at the time of each application, we conducted our standard credit assessment, which included pulling your credit report. As part of our assessment, we analyse your current financial commitments, insolvency records, delinquency records, County Court judgements, credit enquiries and other credit accounts currently open. Lenders are required to make an assessment that is proportionate to the type and amount of the loan as well as the associated costs and risk to the borrower. It would not be proportionate for a lender which provides small loans, which are unsecured and which do not require a guarantor, to conduct the same assessment as a bank which provides high loan amounts which are secured by your home or vehicle. Your loans were unsecured. We did not provide a guarantor loan where you would have needed to have had someone else share the responsibility of repayment . Your credit report is not the only thing we analyse when we make a lending decision. We also look at the information you provide us in your application, as well as your loan history with us when we decide to approve or decline your loan application. This information is all input into our internal credit model which is run to obtain your credit model score. If your credit model score does not meet the minimum approval threshold score then we will decline your loan application. Looking at your record, I see that your credit model score was never under the minimum approval threshold for any of the loans for which you were approved. For instance, on 07/12/2007 you had a credit model score of -0.0636 on your QuickQuid loan # 20934 when the minimum approval score was 0. Your credit model score is higher the minimum approval score which shows that our affordability assessments properly ran per our internal policy. It is in our mutual interest to have a well-designed affordability model. As a responsible lender, we provide customers such as yourself with access to credit and take upon ourselves the risk of default. While we will not reject a customer simply because there is a late payment on a credit file, we will critically assess the details of your credit file to provide you with a reasonable and affordable loan. The investigation of your complaint also considered all relevant information contained in your application. It was noted your monthly income was stated as £1920 per month. I compared your income to your total monthly repayment for each loan you took with us. From this I can see that the income you made during each payday loan with us was always more than enough to cover the amount you had to repay us for each loan and thus I cannot agree with you that your loans were unaffordable. DEPENDENCY You are claiming that you were dependent on loans. Yet if you were dependent on taking out one loan to repay the other then you would have taken out numerous loans, for equal or increasing loan amounts, and with very little time between paying off one loan and taking out the other. When I reviewed your loan history I see that you never had more than four consecutive loans with less than 15 days between loans. CONCLUSION Therefore it is for the above reasons we cannot agree that QuickQuid irresponsibly lent to you. As this is our Final Response regarding your concerns to the above referenced account, if you are not happy with this outcome I need to ensure that you are aware of the ultimate availability of the Financial Ombudsman Service. You have the right to refer your complaint to the Financial Ombudsman Service, free of charge but you must do so within six months of the date of this letter. If you do not refer your complaint in time, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances. For example, if the Ombudsman believes that the delay was as a result of exceptional circumstances. I have provided you with a link to the leaflet for your information to assist you if you decide to pursue this further course of action. They can be contacted at: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR. Tel: 0300 123 9123 Email: [email protected] Further details are also available on http://www.financial-ombudsman.org.uk FOS consumer leaflet: http://www.financial-ombudsman.org.uk/publications/consumer-leaflet.htm ___________________________________ Lost of stuff that makes no sense to me... any advice? Or is it now time to complaint to financial ombudsman..
  7. 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. They said it was a fair request and will begin to request the documentation. They then stated that I did, in fact, pay £105.50 off the loan two weeks after taking it out (probably first pay day after getting it). They then said that MMF are willing to accept £700 as a settlement. I've tried to gaina ccess to my old email address used at the time but with no avail. I'm also using a different bank account now so have no way of checking on receiving the load or making the payment. Usually I would just begin to pay the load as I know it's my mess and I have to deal with it, but this one sounds a little suspicious after not hearing about it for years. And I also know what has happened with MMF and read multiple articles stating that £0.5 million has been written off due to unfair practices. Any advice as to what I should do next or when I receive the paperwork would be of great help.
  8. 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 and emails every couple of days could be perceived as harassment. with all the calls and emails i kept receiving i decided to send them a income / outcome sheet showing there was no way i could afford any type of repayment offer at present and asked yet again if they could put a hold on any action, but was constantly told if i didn't phone them they couldn't sort it out and they would proceed in trying to collect the money. in every email they sent i was told if i didn't offer pay the amount or offer a repayment plan by phone my account would be sold on i told them i would prefer to only correspond via email yet they continued to phone (even after i asked them to stop doing that) and emails still kept coming saying i hadn't made any offer of repayment or tried to contact them (even though i kept explaining my situation in emails!) at the start of January this year i wrote a complaint, that they acknowledged, i explained all my problems and also that if they had done the correct checks i would not have been granted any loan. I also requested the once again that they stop any action unfortunately their reply was they don't stop any action even when dealing with a complaint. today i get a letter from Arc Europe threatening county court action within 14 days of their letter if i do not pay the amount in full or make a proposal to pay off the debt. could someone please give me any advice as what to do now thank you
  9. https://www.theguardian.com/money/2017/jan/01/new-12-sided-pound-coins-royal-mint-currency
  10. 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 all please. I'm not even after the money so much as getting the loans taken off of my credit rating... Thank you again in advance Smudge xx Wonga Quick Quid 19th July 200 20th August 210 28th August 210 17th Sept 200 21st Sept 150 24th Sept 50 19th Oct 193 1st Nov 250 8th Nov 100 16th Nov 608 21st Nov 350 30th Nov 340 6th Deceber 150 11th Dec 240 19th Dec 600 8th January 150 31st January 250 8th Feb 150 14th Feb 150 26th Feb 700 11th March 200 25th March 255 5th April 159 19th April 500 23rd May 250 14th June 300 20th June 600 1st July 2013 1099
  11. Hi everyone, I took out a few loans with quick quid a few years ago, paid them all on time until the last one. I cant remember exactly what happened but i do remember i was having some sort of problem with the bank at the time and tried to resolve the loan with qq several times. After a while I started getting those "please contact us" letters from Mackenzie Hall but because i had never heard of them i didnt contact them. About a year or so later i got a letter from i think Motormille Finance asking for repayment of the qq loan, i arranged a payment plan with them and the first payment was taken from my account on the due date,. the next month the payment never came off so i conntacted them and they said it was a problem with my card details and they would set it up again. it never came off again and this time the excuse was that my repayment plan had been cancelled because of a failed payment, they set it back up and I thought that was the end of it. I then got a letter from National Debt Recovery demanding the same money so i called them and told them i already had a payment plan set up with another company and therefore i would not be paying them. i also called mmf and advised them of the second company, both companies said it was them i should be paying but i told them until i got confirmation from qq i wouldnt be paying either of them. I heard nothing until recently (around three years after all that) when i got a similar letter to what a lot of other people seem to be getting from Marshall Hoares bailiffs, but after reading the info on here about them decided to ignore it. today I got a letter from MMF saying they are taking me to court AND a call from Marshall Hoares about the same money. I toled marshall hoares the story and that i would not pay them until qq told me who to pay and i called mmf to advise them the same. mmf say my account is sttill on hold after me originally informing them about two companies wanting the same money and that they have not heard from qq and could not explain why i had recieved the letter from them. Marshall hoares said they will contact qq and call me back. I contacted quick quid and they said they only ever sold the debt to Mackenzie Hall and quote "the debt no longer matters to us" So my question is what do i do? should i just ignore all these threatening letters as other threads suggest?
  12. Hi guys, just a quick question... I advised O2 that I was unable to pay my O2 contract with them due to have recently been taken to the cleaners in a divorce. I also advised that I have moved to Germany and would attempt to pay back what is owed once I get a job here... well... its been 9 months, not been able to get employment yet, just been signed on the JobCenter here and getting the very basic in support. I am hoping to get employment soon, and have informed Westcott that I had advised O2 about this... Now I have read up on Westcott and find that they paid 02 the debt owed and no doubt will chase me for more than what the original debt was... on the grand sale of things, would they go to the hassle of getting a european court order for the sake of 500? End of the day they can... I dont have anything they can take from me as I dont own more than my clothes... Any constructive advice welcome
  13. Another one falls... CashEuroNet Who operates Quickquid and Pounds2Pocket is to offer redress... Remember folks... Read closely... Loans AFTER 1st April 2014 affected... HERE
  14. Hi I have payday loans with the above dating back to 2012 and despite Being in a IVA at the time I was accepted for the loans which were rolled over numerous times. I hold my hand up and should never have taken these out but I feel they did not carry out correct checks which would have shown I am in a IVA. They were not willing to accept payment plans which then resulted in the debts growing. I have managed to get 3 other pay day loans written off. QQ is highest at £1,900 from a loan of £400. Does anyone know if I can get these written Off? QQ confirmed my account is not one of the recent 4000 due for refund and confirmed my account is at bankruptcy status not sure what they mean by that as I am already in a IVA. Any advice appreciated.
  15. Not a huge dilemma, not in my life anyhow, but merely an observation really. Whilst I was wheeling myself around my local Asda earlier I picked up a bag of Bananas marked up for a £1, then wheeled off passing one of those weighing scales for customers, just decided to place them on there and check the weight, and it printed off the ticket for 54p (fifty four pence).. So put the new price ticket on the bag of bananas and put them back deciding I'd gone off nanas today... Just made me think how much other stuff they have marked up at 'bargain' prices, but in reality all your paying for is the plastic bag they've wrapped them in?
  16. Hi all. Details are 16 months ago I took out a £850 quick quid loan and due to job loss was unable to pay a penny back. After a few months they passed the debt to arc Europe it's £1483. As of the other day it has been passed back to quick quid I can still log into quick quid and it says £1483 outstanding due on the 23/05/2016???? Don't get that. I have checked all 3 credit reference agency's and it is not showing on any of them but there are 5 other quick quid loans on my call credit all paid and settled. I am now in a position to pay the full amount can I use any of this info to maybe get a reduced settlement amount or do unit pay at all, I don't get why they have registered no default or even reported any of this account to call credit ?? Thanks
  17. I had a very bad experience recently. The car I had taken on rent suffered scratches on the doors. Over the weekend while the car was with me, I went to some garages and they told me that they could fix the dent and the fresh paint for 150 quid. I decided that it was best to report to Enterprise since you would prefer to get it done from your approved garages. The branch charged me £ 1000 excess and said that would take 3 weeks to settle invoices and refund the amount after deducting repair cost and other charges. Also, I was told that I would be shown the estimates for the cost of repair and that it would be a transparent process. The branch also gave me the number of the garage where it was to be sent for repair. I contacted the garage and they told me that the estimates were sent to Enterprise. While the garage told me that they can't disclose the amount, the Enterprise branch and Enterprise accidents claims department said that they havn't received the invoice. After 3 weeks when I again up their accident claims cell, they told me that the cost of repairs was over £900 and accounting for handling and other charges I was liable to pay about £ 1050 quid. That's a RIP-OFF. By my estimates and allowing enough margin to get it done from a enterprise class garage, all put together should not have crossed £ 250- 300. Extremely disappointed with the whole process. The lady on the phone told me that I could get a competitive quote and contest the claim. Now with the car repaired, how on earth can I get a competitive quote from other garages. A month after the overcharge, I am still awaiting repair charge details.
  18. Hi All, Here we go again, this time Quid Market. A little bit of background info first, loan taken out September 2013 due for repayment September 2013. Struggled to pay it back and as with all my creditors wrote to them advising them of my situation making an offer of a monthly payment that was affordable. Various emails back and forth, eventually I commence a monthly payment in February of this year. I make the monthly payments, to date I have made 5 monthly payments including one after the claim was issued. During this time i did receive a few emails asking me to pay more and when I was going to clear the account. I replied stating I was paying the most I could. I thought no more of it, I then receive an email from the legal department stating they could no longer accept my payment offer as I had not filled in the Income and expenditure form. I replied stating I had never been asked to fill one in, but I was happy to do so. Two days after replying to the email I receive another from the legal department stating a claim had been issued. details below Issue Date: 20th June 2014 Particulars of claim: Repayment of short term loan paid direct into the defendants bank account on 05/09/2013. Repayment due 30/09/2013, loan not repaid on due date by defendant as per loan agreement. Proactive written and telephone attempts to communicate with defendant has failed to achieve resolution, repayment or acceptable repayment plan. As per our loan agreement a daily rate of interest has been charged since default. Amount Claimed £384.44 + costs of £35.00 Acknowledgement of service filed 3rd July I intend to defend all of this claim. To be honest I was a bit miffed, can't understand why they would issue a claim when I'm making monthly payments, seems a bit naughty to me!
  19. Been playing ping pong games with Uncle Bryan for a while now - I get free paper and stamps. They wanted payment proposals.. so offered them £1.00 per month for two months.. they accepted £1.00, but said it would be reviewed in 90 days.. I pointed out their error and reminded them it was for 2 months and not 90 days.. But my offer was still on the table. They got their crayons out to say they have passed the account back to CrapOne.
  20. Hi guys so I spoke to somebody from QQ on live chat a week ago and they told me I had to talk to collections to sort out a repayment method on the date repayment was due.. so today is that day, I have just spoken to somebody (via live chat) from collections (Loretta) and I gave her my story and told her I had sent an I/E form to the collections team and the hardship team, and that I just need some bank details verified so I can start making my payments immediately... so the fun begins in this cat and dog chase where I want the details to make payments and they keep saying they cannot confirm the details for me. Loretta told me I need to either call (which I'm not doing) or email hardship team (which I already have and had no reply). In the end I got frustrated and told Loretta I would email the hardship department asking to verify the bank details for my standing order/repayment plan. Maybe they will have the decency to email me back this time! it's never easy huh
  21. Hello all. I have used QQ to make ends meet in the past and although I have yet to miss a payment I'm in a situation where I have no idea where my next payment is coming from because I have several debts, etc. How would I approach them to sort this out, I'm totally new to all of this and don't understand any technical jargon surrounding debt laws. Any help as to what I should do and what I should write to them would be greatly appreciated.
  22. Used Payday loans for a couple of years, I find them handy and a way of managing my finances, never had a problem. Recently updated my bank, so contacted QuickQuid to update my details. They took my card information, which was ok and I paid my latest amount in full as usual. I then asked to update the associated bank account as well, a normal everyday thing I would have thought. All of a sudden they want ID, Bank Statements, you name it. When asked why they were happy to take my new bank card and payment, but not the bank account number they claimed it was "two seperate systems" and "it's what the system is requesting". No valid reason for this was offered despite me politely requesting. Understandably I told them I would blacken their name and they could stick their request where the sun doesn't shine. Avoid, avoid, avoid. If this is how a firm treats it's long standing customers (I have never missed a single payment ever), then I would advise EVERYONE to avoid them.
  23. Has anyone got QQ bank details for SO or online banking please? Cha Cha Cha
  24. Hello I am hoping someone will be able to give me some advise. I took out a loan with Quid Market and defaulted to to a change in financial circumstances. I have offered to set up a payment plan which was declined. I have now received a text message advising me of a home / work visit which terrifies me. How should I deal with this. All help greatfully received.
  25. Hi all, In september i got myself in a position where i applied for a loan with Quick Quid. The loan was approved but the funds never appeared in my account. When i queried this they told me i had put an extra digit into my account number online. to cut a long story short i never received the money after chasing numerous times i got fed up. Got past the rough patch with money and forgot all about it. Now they are chasing me for payment. I have spoken with a manager in resolutions department today and he confirmed that the money won't have been funded to my account but i might still be liable for it????? Is this legally correct?? i explained that all the details i gave were verified over the phone to an operator etc. i thought best to start e-mailing them regarding this. Below is what i sent them today. Walter, Just confirm the conversation we had on the 04/12/2013 at 21:00 in regard to account number xxxxxxxx 1. I explained to you from my perspective what the process had been start (Point of application) to where we currently stand. 2. You confirmed to me that there had been an error made when inputting the account number for my respective banking provider. I confirmed that this appeared to be the case however i pointed out that the process of confirming details by a Quick Quid representative had not picked this error up. 3. You confirmed that the account was being put on hold with immediate effect and that you would be tracing the funds to confirm exactly where they had gone. I have re-iterrated that they were never received by myself and am happy to provide bank statements to confirm this. 4. You advised me that i may be liable for the loan amount even though the funds had potentially not reached my account. I advised you that if this was the case i would seek legal advice as i do not beleive this is a fair and just course of action nor is it a legal course of action. 5. You confirmed to me that you would be personally handling this case and would contact me on Friday to discuss the findings of your initial investigations. 6. I advised i would be able to take a call from you on Friday evening but that i would also like correspondence via e-mail now to ensure sufficient information is available to both parties as at present only Quick Quid have a record of correspondence. To pre-advise you i will now be following every phone call with an e-mail detailing what i believe to be the main bullet points of the conversation. I would appreciate confirmation back via e-mail that this is correct and a true reflection of the conversation had. If no response is received within 48 hours of the e-mail being sent i will take this as acceptance that it is a true reflection of the conversation. I look forward to your response and will update via e-mail as and when i have further information to add to this case. Regards, Anybody have a view on this?????
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