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    • stuff and all they can do .......they are TOTALLY powerless   and you are well used to dealing with REAL bailiffs anyway looking at your history   
    • ok Finally got home!   I'll try and keep it short however we finally got to an agreeable place   Walked over to sales as there was no more servicing could do especially as the aftersales manager quite simply said they will not be footing the bill. Spoke to the salesman, updated him and he was lost for words and had to ask me where things were left -  Requested senior management to come down - both head of business and general sales manager are off for half term.  That left the buying manager - ironically the same who purchased the car in for the dealership.  He was called downstairs but in the time that he did, he must have called the aftersales manager.   Once down, everything suddenly changed -  I was told they are now 'reaching a compromise' (I assume between the two departments) and it will be put right.  The part is being ordered, is on backorder for 2-3 weeks and once in, they will fit it. This of course means I am potentially out of my 30 day exchange/1000 mile exchange however appreciate I can drag it out if it came to rejecting it.    I got the aftersales manager to put in writing the part IS being ordered and if the part does not for whatever reason fix it, I CAN exercise the exchange regardless of how many days/miles I am out. --This was CCd to the sales manager, the service advisor and the buying manager stating he is accepting/making the decision in the absence of the two other managers.   So all in one- another wasted 5 hours there + the drive up/down but we are hopefully now at a point the final issue will be either permanently fixed or it will be the deciding factor of returning the car.  The part-ex has also gone so it's not like we could even just change back for now.   The part is scheduled to arrive pretty much the week of our due date which really messes this up in terms of transport/planning however we'll cross that bridge then - for now, I need to destress the other half who really did not need this especially with what is essentially for her the baby car    Could I ask - IF it does not fix it and we decide against the exchange - can we still reject?  If we can, what happens to the part-ex thats now gone/auctioned off?   I too believe 99% it will fix it but just curious.     Also just for anyone else taking an interest, the MMI unit that is faulty is not just the navigation but everything Audi - phone, radio, cd, sd card, service indicators, settings for the various components - its all part of the MMI brain.  And so the reason this is important that it is resolved is usually with this unit, if one part fails, it's likely the entire unit will fail.      
    • They don't have to care.  This is Britain - the biggest reaction will be some mild tutting.  The main goal now must be to keep the fear factor high whilst ensuring the pockets of the few continue to be lined.   
    • Cat 6 Marker then. Thats one of the worse you can get.  As @Andyorchsaid... You might need to go to the FOS etc to get this done. We had someone else who went all the way with Tesco and lost. Cat 6 Markers are very difficult to get removed.
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
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      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
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      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
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Payday Loans - Cancel Debit Card??? **


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When you send in the letter etc., why dont you include a Crossed Postal Order for the amount you are willing to pay?

 

Bub1

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You go into the post office and ask them for a crossed postal order for the amount you want. You will have to pay extra for the postal order but it is worth it. You can either have the name put on it who you want it payable to or you can write it on yourself.

It is like a cheque, but with a postal order you have to buy it.

 

Bub1

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When you get the postal order you will get a receipt for it with the postal order number on.

Also, send it Recorded Delivery. Put all your receipts with a copy of the paperwork you are sending.

That way you have a complete record of everything.

 

bub1

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Hi Toadface

 

I'd suggest starting a new thread in the Welcome section, there are a lot (and I mean a LOT!) of people there who could help but won't see your thread here.

 

If/when you do it would be worth mentioning if it is HP/loan/secured etc. amount borrowed/paid/owing, duration, arrears etc. these all have a bearing, also, do you have PPI or any other form of insurance from them. Be as complete as possible, including posting images of agreements and correspondence (minus identiying info).

 

Hopefully see you there and you will get a lot of Welcome specific advice.

 

T2

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Sorry to bring this back but I had a Payday loan and cancelled my card (a number of times) and spoke to the bank and they did not stop the money being paid.

 

The bank said that once the company have a form with my cards details on, etc, a prepayment of sorts, and the firm claims the money then they have to honour the payment.

 

So, there are firms out there, I agree, where they have not claimed the money because i have stopped the card, perhaps they are not aware of this "loophole" but I can assure you this one firm were able to take the money and the bank did nothing to stop it. They said was in the terms and conditions of the card use, etc (i did not check this but they were extremely convincing (?))

 

Hence me being O/D on the account with added bank charges ( because I moved all my money out in time) of which I laughed at when i saw them considering this site!

 

So, be very wary, there are circumstances where they will claim money. I have posted a thread on this but got limited help but thought I wouldn't due the weirdness of it.

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this is interesting

so the banks are saying they have to honour payments with an old debt card and the firms have your details to usei

 

thats called a continiouse credit authority,

you have to sign it

 

companies keeping card holders details is a no no

dpa and banking code

 

the bank has no defence in allowing payment on a cancelled card

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Echo (very loudly) what sewing kit has said - the vast majority of them will try and claim against card details and it will not matter that you have closed the account/cancelled the card. Some have come to an arrangement quickly but presume those that do not may well attempt to take money from your cancelled card/closed account!

 

Now postggj raises a term I have had quoted at me before - by both bank and pirate company! The thing is that although they set the payment up like this I know a number of the "agreements" upon which this is based do not mention continuous payment authorities! Are we heading for a heap load more unenforceable agreements?? (we can hope! :p)

 

Toadface - hi, worth persisting on insisting that Welcome provide you with accout details to pay them - I got someone at my local office "the account manager" to do this (eventually) as refused to pay by card - told them they were preventing me from paying them and would ensure this was highlighted if they proceeded any further with action against me. Worked quite quickly together with highlighting that they were delaying any payment of their liability because they insisted I payed them by a method which I was unable to do.

 

Best of luck all

MJC 007.5 :cool:

 

Advice or opinions offered by mjc 007.5 are personal, offered in good faith and without prejudice or liability. Your decisions and actions are your own and should you be in any doubt then please seek the opinion of a fully qualified and insured professional

 

:) If you think I have helped you please feel free to click on my scales :)

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Hi everyone,

 

though tid post an update of how things are going. recieved a hpone call from QuickQuid last night, but i wasnt home. emailed them today to ask to set up payment plan, my offer was £12 per month.

 

I again asked that they not phone me at home or at work and that any future correspondance be in writting.

 

email I recieved back:

 

Dear XXXXXXXXX,

Customer # XXXXXXXX

Thank you for contacting us to inquire about how to pay off your balance. By signing your loan agreement, you agreed to the Terms and Conditions outlined in the 'Consent to Electronic Communication' section. Therefore, we are within our rights to contact you via phone.

The payment plan we can offer is detailed below.

£_62,00________due 10/08/2009

*Current loan balance £250,00 due on 28/08/2009

To confirm your agreement to this payment plan, please reply to this email stating that the terms are favorable. You must include the original email with the terms to which you are agreeing in your response.

Once we have heard back from you, we will set up the agreed upon debits to come out of your bank account or be charged to your debit card.

Collection procedures will continue until an acceptable payment arrangement is made.

If you have any queries, our Collections Department is here to help.

 

 

There is no way I can pay this amount per month to them. they have a copy of my monthly expenditure so they can see how much i have left to pay creditors.

 

It also seems like they are wanting the remainign balance paid at the end of this month. and that the outstanding balance would be £250 after the £62 payment. this is more than I would have been paying!!!1

 

It was one payment of £50 then, £250 the next month!

 

 

should I email them back asking them to reconsider the amount, not sure what I should do now

 

 

Thanks

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I Have this with QQ they say they will accept 3 payments over 3 months and they are not a contract lending company etc., this is in email.

 

Just keep writing back to them that what they are asking you cannot do and they know what you can afford, if you can do into your account and change your contact details eg: phone.

 

I did say to them that if they continued to phone I would report it to the police as harrassment the calls have stopped for now, but the emails havent.

Just keep replying back with what you have done that is what I do, you always get the same email back from them but with a different persons name on the bottom.

 

Just keep at it.

 

Bub1

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Hi Toadface,

 

As Bub says I think main thing is just keep replying with what you can afford. Ideally if not already you want their bank account details to pay by standing order (postal order if you have to) but not cheque, direct debit or card payments - they will clear you out.

 

Phone contact - the template letter on this site amended to suit - as long as you are making an offer to pay and keeping in touch (by email in this case) you are within your rights to insist on all in writing (and indeed can present this as being to their advantage as well so there is a record of what the naughty debtor has done ;)). Practical steps would include using an internet based line that they can only leave messages on (you can therefore log calls and ignore), on the mobile setting all the numbers in their own contacts group (suitable ringtone for all so you know when to ignore - imperial war march from star wars here but amend to taste) or if you can afford it the truecall (not able to myself but reviews are rave!).

 

On the numbers you give looks like they are effectively either attempting to make you pay charges then the loan principle or worst still extension fee and charges (both of these a serious no no - customer has advised in difficulty, attempts to arrange repayment plan and gets told not acceptable but you can extend the loan!). I think complaints will be in order to relevant bodies (FSA, Trading standards ? others) and a CCA request (followed by dispute of charges, request for complaints procedure).

 

Main thing will be stick to your proposals (no formal authority will give them more if you have done a viable I&E), no phone contact (unless confirming you are getting what you want - even then followed up in writing) and do not let them have any bank details (you control the repayment method and amount).

 

Keep at them ;)

MJC 007.5 :cool:

 

Advice or opinions offered by mjc 007.5 are personal, offered in good faith and without prejudice or liability. Your decisions and actions are your own and should you be in any doubt then please seek the opinion of a fully qualified and insured professional

 

:) If you think I have helped you please feel free to click on my scales :)

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