Quick Quid - terrible problems!!!

[dx100uk]

no dca has any legal remit to add anything to a debt they are collecting upon....

 

dx

[Cait116]

Yes, thanks dx, I know - just letting off steam

[dx100uk]

toot toot

 

dx

[silly with money]

For Quickquid Rep:

I too am extremely unhappy about the service offered and the frequent changing of goal posts and your inability to agree a repayment plan. My loan amount is for £850.00 and i am owing to yourselves £1233.50 including interest and default charges. I have been in a mess with payday loans for over a period of over 12 months. I have had loans from yourselves over the past 13 months ranging from £400 to £850.00, so far in interest only i have paid the sum of £1555.62 (excluding the interest added to the £850.00), yet you seem unwilling to come to an arrangement regarding a payment plan i can afford. You telephone me several times a day and the information is different to what is contained within your emails. I would welcome your comments.

[Cait116]

hmmmmmmmmmmm silence

[stressedx]

I would like to say i am too dissapointed in the service. All i keep getting is emails telling me payment is past due. I email with my offer and you just email back with a plan of 3x my offer each month that i can't afford. Also when you leave voicemails please get my surname right, what you call me is downright rude

[Mrs E Blackadder]

I am tempted by going for a debt relief order, however I'm moving shortly and wouldn't want to rule out the possibility of changing jobs, and most employers credit check!

 

 

Well, if employers did credit checks then I would never have been offered employment!

 

Perhaps they do if you are likely to be working in a financial sector, but otherwise I wouldn't worry too much

[sillygirl1]

I know what you mean. about the credit checking, they have been hoodwinked into believeing it is part of a normal check on people.

 

Silence from QQ is unusual... but to be expected.

[Cait116]

For my sins I worked for a major bank for 5 years (not any more I hasten to add) and was only CRB checked. If I had have been credit checked I would definitely have failed and been booted outta the building quick smart!

[toofiegap]

credit checks are getting worse as I said before a well known insurance company refuse to employ if anyone has CCJ's , which is stupid. How can anyone get out of debt if companies refuse to employ people who have hit hard times

[sillygirl1]

It just gives credence to the claims to allow 'other groups' from other countries free access to jobs in this country!

[Guest QuickQuidCustomerService]

I'm sorry for the inconvenience all, but it's against UK law for us to post about personal loan details within a public forum. You can visit the contact us page of our website for details.

[sillygirl1]

Precisely what UK Law are you (mis)quoting here? Chapter and verse please..... I am aware of Data Protection but that does not cover public forums.

 

The people on this site have posted basic info (other than names and addresses) and if you are genuine about your companies aims you should be able to help, as other reps have done, notably Vodaphone.

 

Clearly you have a misunderstanding of your company's obligations to customers in helping them get through very difficult times.

[Mrs E Blackadder]

Surely, if it really is Quick Quid Customer Serivces, there would be nothing to prevent them from offering general help and guidance?

 

Like SillyGirl, I would like to know exactly which UK law they are talking about. I suspect what they really mean is 'company policy' which, as far as I am aware, is not actually law. I know of no companies who have had their company policies made into UK law by parliament. I may, however, be mistaken

[MARTIN3030]

Ok peeps,can I just say a few words here.

First of all,the CAG embraces and welcomes genuine efforts from any organisation who comes here with the desire to resolve customer complaints.

We accept that there has to be considerations for data protection,codes of practice,and guidance from industry.

We accept that there are issues and content that cannot be divulged in the open forum,some of these will arise from contractual agreements from third parties,partners or associates.

What we expect is that where an offer to help and intervene is made,that this is seen to be productive and also allows the poster to be able to update on the respective thread as to whether the invitation has been beneficial or not.

In order for that to happen,there HAS to be movement and progress one way or another.

The CAG is essentially here to serve the needs of consumers,let there be no doubt at all about this.

It is up to those Official reps who are sanctioned to deal here,to demonstrate that they are here for the right reasons,and go on to show that their intentions are transparent.

At the end of the day that is decided by what we all see.

Equally,in order to give those tasked to show good intent,there has to be an opportunity given to allow that.

The proof is in the pudding as they say.

 

Turning to another matter and with address to QQCS directly,there are going to be things you dont like to read,and in cases will not agree with.

The CAG is a responsible site and will always look at complaints on merit.

Insofar as for example-Nottslad has posted about suicidal tendencies,this is a statement of fact as far as he is concerned.

He is a frequent and established poster on the CAG,so the question has to be asked is why did he post this ?

He posted this because it reflects what he believes to be true-and he is the one in a position to know.

In contrast to you taking issues with that comment,I think you should concern yourself with examining the reasons why such a situation arose why there was deemed a need to highlight it.

If you can do that and put into motion some pro active changes which will mean we will not see these statements being made again,then you will be one step closer to being accepted here and we will begin to make some progress.

[BRIGADIER2JCS]

Well put Martin!!!!!

[sillygirl1]

Well said Martin3030, when you look at the work the Vodaphone rep is doing it shows how a pro-active presence can quickly resolve issues.

 

In QQs case this should be

 

1. Stop phone contact when asked on any phone number you may find for the person - UK Law supports the request, in this day and age emails form a vey useful audit trail of what is asked for and what is needed.

2. Stop taking the wrong amount of money on the wrong day - UK Law exists in this respect

3. I&E Statements and bank account details are not needed to help somebody initially

4. You cannot ring an employer and ask for the amount to be deducted from their wages - this is not enshrined in UK Law, in the UK you need to take the person to court, for them to default on any payment which was agreed on and then for a further hearing where all financial paperwork from both sides is assessed, THEN an amount will be agreed to be taken from the persons wages, it cannot be more than 10% of the residual income after assessment.

5. If somebody is asking for a 6 month agreement it is because that is what they can stick to, no good trying to come back and say 'okay for £36 we can set up a plan for 2 months only..'

 

The abve is what IS enshrined in UK Law, which also states that you MUST come to an agreement with your customers BEFORE going to court, and whilst the court process is in place even more stringent rules and regulations apply.

[DaveManchester]

I have just seen this threat, great result for the OP. I have an outstanding balance of £250 which I have offered a full and final settlement of £80. Hopefully I'll be able to get out of this pay day mess!

[BRIGADIER2JCS]

Good Luck !!!!

[DaveManchester]

Cheers!

[Cait116]

yeah Dave - keep us posted definitely!

[sillygirl1]

Notable silence again from rep...

[MARTIN3030]

Just one point on F&F,I would doubt very much they would agree to £80 against £250,but if they did I am certain it would be conditional on a non 3rd party disclosure.

People should be wary of agreeing to these terms,since there could be implications later,if there is disclosure following the signing of any confidentiality agreement.

[DaveManchester]

It's worth a try as the OP got a F&F for a £350 debt...

 

I've pm'd the QuickQuid rep anyhow...

[MARTIN3030]

Of course its worth a try Dave-there is certainly nothing to lose.