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Hello there,

 

I have been dealing with QuickQuid for a few weeks now in terms of paying back my loan. I thought I would share some information with you.

 

For some reason, my debit card wasn't accepted by QuickQuid (it's a normal Visa Debit) so I enquired about paying with an alternative method. The only option offered to me was via Direct Debit, which I flat out refused knowing that they can and will take what they want with disregard to available funds or not.

 

Searching around the internet, I saw that they had an option to pay by PayPal - I have no problem with this, they don't see my bank details and they get the money they are owed. Here's where the stumbling blocks started: They refused to let me pay via PayPal. I said 'Well, why is it an option then?' which was followed by a flat out denial of having any kind of option to do so. I quoted a few sites, cue me being placed on hold for 25 minutes. (I called the 'Priority line' - there doesn't seem to be any kind of checks in place. I will give this number below - it's a free phone.)

 

She comes back on the line and tells me that I can only pay by PayPal if my account has been defaulted. Fine. Let it default. Then I will pay what I owe and no more. On hold again. 7 minutes later - 'We will waive your £12.00 fee as "courtesy" because I'm willing to pay'. Fine. Transferred to 'Collections'.

 

They say they can't do it because my account isn't in default. "Fine, let it be in default - I just wont pay it." (I had every intention of paying) and sure enough, a few minutes later, they send me a PayPal request for what I owe them - with the £12.00 fee on top.

 

On the phone again, they say I'm legally obiged to pay it. No chance. Take it off, send me another invoice. The invoice comes. Paid. Thank god. Send off my receipt number and I'll never speak to them again.

 

 

I wanted to share some information with you about these people.

 

They are registered as 'CashEuroNet LLP' which as of the 15th June is listed as this on Companies House.

 

Name & Registered Office:

CASHEURONET UK, LLC

ABOGADO NOMINEES LIMITED

100 NEW BRIDGE STREET

LONDON

UNITED STATES

EC4V 6JA

Company No. FC027527

 

 

spacer.gifspacer.gifspacer.gifspacer.gifStatus: Converted / Closed 18/05/2010

Date of registration: 14/05/2007

 

Country of Origin: UNITED STATES

 

I work around the corner from these offices, took a little visit on my lunch hour - they are on the 2nd floor - was able to walk straight in, seems to be pretty empty. Quite odd that no one seemed to challenge me or contest me. Walked back out no worries. I wonder if this is some kind of just base office and nothing actually happens here?

 

For your information here is some useful info that may help you out:

 

Direct Line: 0808 101 1160

Email: preferred AT quickquid.co.uk

Paypal Address: [email protected]

 

Another email listed on Paypal for QuickQuid:

Customer Service Email:pixel.gifrlewis AT cashnetusa.com

 

Hopefully, some of this information will help you out, if you've anything to add regarding this company - please let me know. I'm not an expert, just a very peeved indidvual trying to get to the bottom of this company.

 

Thanks.

Edited by Spinned
made some errors
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Live chat them rather than phone!?

 

I found QQ ok to talk to and deal with and was transferred about 3 times via live chat(which isnt a problem)

 

They've been helpful and polite so cant knock them really?although am in the process of coming to an agreement so may have spoken to soon!!!:-)

 

we will see

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QQ have been continuously ignoring me till today when i put my account in dispute and demanded a repsonse by the end of today. My email was very clear in that i wanted an agreement in writing, charges frozen and their bank details to pay via SO or over bank counter.

They replied!!!

They stated my repayment offer was not acceptable (cannot do this in 3/4 months unfortunately) but with details on how to pay them by cheque!

 

So what next eh?...

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Well QQ are not accepting my offers...and their is not acceptable for me...

 

"If an acceptable payment arrangement is not made, your account will be subject to third party activity. Please note, we do not accept standing orders or giro slips. The acceptable payment methods we use are Bank Account, Debit Card, Paypal/Credit Card, Bankers Cheque or Cashiers Cheque."

 

So i guess i now sit back and wait for this 3rd party activity???

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So sorry for multiple postings..have been having a few probs posting and now cannot delete!!! I blame QQ!

 

TBH while all this is going on, you might be able to go down the usual route with DCA's, waste all their time and instead of paying QQ just put the money aside you were going to pay them. Waste the DCA's time for months on end and then at the last moment pay QQ all the money you have been saving and pay off the balance.

 

DCA get nothing but wasted time, you end up in the clear.

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So sorry for multiple postings..have been having a few probs posting and now cannot delete!!! I blame QQ!

 

I've removed the duplicate posts :)

 

the 3rd party activity will most probably be from Gothia DCA - if you CCA them you'll get the copy of the internet agreement you made with them but not much more. Don't think QQ would like their agreement scrutinised in court ;)

 

Is this the first loan you have had with them?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Thanks Ell-en

 

This is actually the 4th loan....the original one having been rolled over

 

Is it worth requesting the CCA then??

Sorry i am learning as i go along here!

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I was wondering that too! What I don't get is that if bank account is an option, why when I asked to pay that way was I told they DON'T HAVE A BANK ACCOUNT???? Can I not read or can they not work out the difference between their backside and their elbow?

 

Most exasperated - bring on the DCA - even if it is Muck Hall I've dealt with them before and they don't scare me!

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You can't negotiate with QQ unless you can clear within 3/4 months. Best ignore them and wait for Gothia & Muckhall. Gothia will normally accept 50% of the outstanding balance as F & F. Gothia buy the debt and probably pay buttons for it hence they can make generous offers.

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If you've rolled the loan over 4 times then you've probably paid back the original amount in rollover interest payments!

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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One more thing, if they've got your debit card details be careful they don't help themselves to your money!

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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How likely is it that not paying it and doing it via DCA at 50% or 100% in installments or whatever will have an affect on your credit file?

 

Has anybody ever had it mark your credit file?

 

I'm thinking about doing it but don't want a missed/late/default or whatever registered, not just a default but any entry what so ever.

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They do not have use of my card anymore...i "lost" it you see and am now using another bank acct!!!

And yes...they have just about had most of the original loan back in roll overs.

 

Am interested to hear if anyone has any answers to zarlaks question.

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qq wont accept any fo my offers offered £60 for 4 months(til i pay other 2 off) then £100

 

 

Thank you for contacting us to inquire about how to pay off your balance. The payment plan we can offer is detailed below.

 

£177.62__________due 27/08/2010

 

Please keep in mind that you have a contractual payment set up as follows.

 

£312.50__________due 30/07/2010

 

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.

 

QuickQuid Collections Department

Direct Line: 0808 234 4561

 

 

what now?!

Fax: 0808 101 1381

[email protected]

Payday Loans: Quick Payday loans @ www.QuickQuid.co.uk

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Hey wayneg1...

if you cannot manage qq's payment plan then just wait for them to pass you over to their debt collecting agency......thats what i am waiting for now as well. My proposed payment offer was not good enough for them either!

Also be very careful NOT to give them your card details.....if you do not want them taking money from your account and if you haven't already, you need to "lose" your card.

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