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    • Sorry not great with forum technology,  it says accepted file types jpg ongoing etc which I believe the file type was png or at least that's the details showing up on my phone, I'm even less good with conversion of the aforementioned so, I think we'll just leave that one then.   Also I think you mean because he supplied no cancellation information prior to the contract that automatically negates me having to pay / or be charged from the balance of the car any costs associated with the return, he also has to refund me the cost of delivery, however I am actually willing (maybe) to let that one go apon receipt of a refund.    This situation has already been the source of great stress
    • Don't just sign or agree to anything.   You need to be careful and not sign anything until you fully read a new TA making sure they're not  a "break clause" in it.   "A break clause is a term in the tenancy agreement that gives the landlord and/or tenant the right to end a fixed term tenancy before the expiry of the fixed term period"    
    • Is there a reason they took so long to send the PCN? The car was on hire or a change of address perhaps. As they have not claimed to be using POFA it is important that you do not reveal the identity of the driver. No POFA means they cannot pursue the keeper so just ignore everything from them and their unregulated debt collectors and ignorant second rate solicitors. [Sorry that was a slur on second rate solicitors].  Just ignore them all. To go to Court they need the name and address of the driver so if you ignore them there is no chance they will find out. While that does mean that you are not liable to pay them a penny they won't look at it like that and pretend that you do owe them-probably escalating the bill every time they write. This works in your favour as the most that they can ask is the amount on their signage but they always seem to want to overcharge which gets them a slap.  All you have to do is let us know if they stupidly decide to send you a Letter of Claim [it's probably more greed than stupidity but they do both of them so well it is hard to know which one it is.]. If you do get an LBC come back to us so we will give them a snotty reply which may be enough to see them off. In the meantime go on with your life safe in the knowledge that you owe them nothing and there is nothing they can do to change that.
  • Our picks

    • Ahmed Alwaheeb's firms sold cars riddled with faults – and which sometimes had government recall notices. https://www.consumeractiongroup.co.uk/topic/427369-ahmed-alwaheebs-firms-sold-cars-riddled-with-faults-%E2%80%93-and-which-sometimes-had-government-recall-notices/&do=findComment&comment=5071860
      • 3 replies
    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
      • 8 replies
    • @skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
      • 8 replies
    • I’m in desperate need of help
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
      I’m literally at the end of my tether and don’t know where to turn next !
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .

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I am unfortunately caught up in the payday loan trap like a lot of people on here. I have 5 paydays biggest with everyones favourite WONGA and QUICKQUID. Im struggling every month and thinking of defaulting on both of these 2 and paying the others because i never have any money. The thing is i am trying to improve my credit rating and dont want any defaults on my file, got 2 defaults which come off next year and hopefully my credit will improve but if i get another default now and done for another 6 years. I would rather get a loan to pay them all off but its hard when you have poor credit.


1. Just need a second opinion on either to continue paying these off, whilst paying extra each month and struggling until they are finished.


2. or defaulting on QQ and WONGA and offering them a payment plan (cancel card - stick to guns an all)


If i did option 2 and offered them a repayment plan would they put a default on my file?


Help is appreciated

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QQ £900, WONGA £960, PUK £262, P EXPRESS £400, L STREAM £400


Im getting fed up of backing them every month. I was going to carry on with the other 3 and bring them down each month but QQ and WONGA are too much! I am due to pay WONGA tuesday, everyone else is backed to date.


To be honest id rather get a loan and pay them all off but thats impossible with poor credit

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QQ £900, WONGA £960, PUK £262, P EXPRESS £400, L STREAM £400


Im getting fed up of backing them every month. I was going to carry on with the other 3 and bring them down each month but QQ and WONGA are too much! I am due to pay WONGA tuesday, everyone else is backed to date.


To be honest id rather get a loan and pay them all off but thats impossible with poor credit


I suspect you will have to go with plan B and hope they won't put on your creditfile. No guarantees but as yet they generally don't. Personally I would rather have the 'black mark' than continually pay the interest on these loans. It really is a personal choice

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Thanks Rob, I guess I have to think about having money to get by instead of paying these sharks and leaving myself skint. Am going to offer Wonga £100 a month starting this month and see what they say.


Any idea on what to say in an email to them would be great.

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Not sure about Wonga but I had one with QQ. Firstly cancel your debit card, tell your bank you have lost it. QQ were prepared to accept installments with me but only over 3 months which I could not afford so it has now gone to a debt collectors Mackenzie Hall.

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Thanks, I have a friend who has emailed QQ about paying £50 a month and they had sent him this email:


Thank you for contacting us to inquire about how to pay off your loan balance. Your offer to pay 50.00 is an unacceptable payment arrangement. However, any payment received will not be refused.


The acceptable payment methods used by QQ are: Bank Account, Debit Card, Paypal/Credit Card, Bankers Cheque or Cashiers Cheque.


QQ does not accept standing orders or giro slips.



We cannot accept payment without all of these details.

Post the banker's cheque (payable to QuickQuid) and the payment stub to the following address:


The address below is for payment processing only.

QuickQuid Collections

PO Box 47


S98 1DR



Account Number:

Due Date:

Amount Due: £449.50

Amount Tendered: £50.00


Collection procedures will continue until an acceptable payment arrangement is made or until the loan is paid off.


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


Is bankers or cashiers cheque a normal cheque?

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