Quick Quid - terrible problems!!!

[MARTIN3030]

The earlier comments were in consideration of the norm.

Reading Nottslads story,it does seem that they may have agreed to this in considerations of the way his account had been handled.

Had Nottslad chose to open a complaint with the FOS,potentially they would have been facing a bigger loss than the write down of of the £270 here.

[nottslad]

Well... an update - they keep messing me around, giving me different amounts and due dates - at one point £80 was agreed, at the next they want £105, then £107 by 24th June - now they want £117 by 6/6! And they are not clarifying this will be full and final settlement, just that payment would stop any further debt collection.

 

~What a nightmare!

[sillygirl1]

This is precisely where you need to have this in writing from them, to show how they do not want to quickly resolve the issue.

[MARTIN3030]

I suspected they might reconsider this,because it was reported on the forum and they are probably non too happy about any specific amounts agreed ,being openly discussed.

 

Nottslad can you confirm as to whether you have asked for things to be done in writing ?

 

This is only my own opinion here,but I think we should be careful about revealing specifics in the open forum since there is every possibility it will frustrate progress.

This does not prevent reporting that a settlement has been agreed which is favourable to the OP,or indeed as in this case,that an agreement was reached,but QQ have now chosen to renege on it.

I think that would be the sensible way to go.

[nottslad]

From day one of this fiasco I have asked for it in writing - their response has been to make payment first then they will send confirmation, which obviously I was not agreeing to.

 

At no point until today have I mentioned the forums, my latest email today has again requested confirmation in writing and referred them to what is happening on here so they can see exactly how I feel, and others too. For the principal sum of the loan they are limited as to what action can be taken anyway. I have an extensive paper trail of offering amounts within my affordability, all of which have been ignored, and as mentioned I will escalate the issue if necessary.

[MARTIN3030]

Fair enough.

They will be aware that its being discussed here I am pretty sure about that.

[nottslad]

I wouldn't necessarily say they are Martin - I'm sure you know where I work, and a bit about the nature of my role - I've never come across a CAG case when dealing with a complaint although the particulars might well be the same - so unless the consumer mentions it, the company can quite often be none-the-wiser... having said that though, I've dealt with a few complaints where customers have paraphrased my advice on the energy forum - got the results required by using certain phrases lol - but I guess then that questions why it can't be put right in the first place without the consumer having to argue that the company is wrong. Hey ho, I digress...

[MARTIN3030]

There is evidence to suggest their presence here yesterday afternoon,so have undoubtedly read these latest posts.

It is when specific info is discussed (in this case £80 F&F ) that they are able to narrow things down.

Data systems etc.

There was one case of a member posting a letter from a DCA -he blocked out all personal info yet left the date and amount.

The DCs were able to identify the OP by inputting the date and figure into their systems-it flagged up the letter and so revealed the debtor.

[nottslad]

well... an update!

 

Full and final settlement sorted and payment due on 24th June, although no apology or empathy shown for putting me through hell trying to sort this out!

[BRIGADIER2JCS]

Well Done:whoo:

[MARTIN3030]

Nice to hear it.We will just have to await June 24th.

[nottslad]

No need to wait until 24th. They've kindly informed me today they have sold the debt to gothia.

 

Despite settlement being agreed and accepted. I am so mad! My blood is boiling. Surely this is against OFT guidance? I have it in writing the settlement has been agreed

[MARTIN3030]

How have you been informed ?

Could it be that the notification was issued BEFORE you raised issues ?

I think we need to be hearing back from the rep here.

Was any agreement that you had put in writing ?

If it is true,it could be a deceptive business practice.

Is what you have a notice of assignment ?

If not have you previously been sent one ?

[MARTIN3030]

Under the Gothia group CC licence,there are various trading names;

 

Barclays Barclays Partner Finance Clydesdale Financial Services Fair & Square Firstplus Gothia Gothia Collections Gothia Legal Gothia Recoveries Mercers Mygothia.Com Pinpoint Services Red Red Castle Red Castle Recoveries Resolution Legal Services

[MARTIN3030]

BCW appear on their Website.Reg office 24, George Square, GLASGOW, G2 1EG, United Kingdom

They have a number of offices at various locations in the UK

But the Gothia registered office is listed as;

Ridgeworth House, 5, Liverpool Gardens, Worthing, West Sussex, BN11 1RS

Edited June 9, 2011 by MARTIN3030

[MARTIN3030]

Can you confirm that you regarded the account as being in dispute-and that they were fully aware of that ?

[MARTIN3030]

Thanks.

I am sending you message.

[MARTIN3030]

Ok thank you for confirming that an agreement by email was made.

[MARTIN3030]

Nottslad,can you also confirm as to whether the outstanding amount included any default/late payment/charges ?

[nottslad]

Hi Martin, thanks for all your replies on this.

 

The amount outstanding doesn't include any late fees or charges - they were never applied.

 

I never disputed the debt, just pointed out to them all the time what I could afford to pay, backed this up with statements of income and expenditure etc...

 

Would the Ombudsman be interested in this case? Are they part of the Ombudsman scheme? Been a while since I worked in finance! It's been more than 56 days since I first contacted them with a complaint, so I know that stage has passed and I could escalate if the Ombudsman regulate them

[MARTIN3030]

Yes they hold a Consumer Credit Licence.

The regulator for the OFT is the FOS.

In any event,the fact that you have not had a definitive final response in writing,by their actions,you have no reason now to be confident that it will be resolved satisfactorily,in view of what has happened.

I am not so sure that by them breaking their word on the agreement,that this is within itself enough for the FOS to rule on.

It is the way that you have been dealt with,that IS something.

The issues surrounding them offering settlement then reneging,will I am sure be covered under something-it was an unfair business practice-certainly deceptive.

[BRIGADIER2JCS]

Hi Martin, perhaps I am being thick, is the OFT regulated by the Ombudsman?

[MARTIN3030]

I am wondering also if the Rep which was dealing here,is aware of what has happened.

 

Looking at post 16,it appears that the representitive,was under the impression that things have been sorted.

I would send a pm as advised and point her here.

We do know from experience that it is possible that communications between big organisations is not what they should be.

Having looked at things here more closely,My view is that you should deal directly with the rep here.

I will also send an email to ask if they can come back.

Edited June 9, 2011 by MARTIN3030

[MARTIN3030]

Sorry the OFT is the regulator for Consumer Credit-the FOS is the Ombudsman.

[BRIGADIER2JCS]

No criticism but just my addled old brain worked for once:lol: