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    • old and new threads merged i though you were going to send the SB letter in 2017? dx  
    • dunno you've not scanned up what you've had before how can we tell?  
    • Today , after a lot of years i received a letter from this lot. Very friendly, "Were writing to remind you that we haven't had any contact from you in a while".  The velvet fist, followed by  a veiled threat to get their preferred debt collectors involved. Yep dead right. In 1992/3 I took out a Student load under duress from DHSS. up to 2000 I had successfully gotten deferment on low income. But rather than sign on as unemployed ,I decided to be self employed. I applied and they asked for all sorts of documents. I obliged and then correspondence ceased from them, circa 2001. To date I have had no correspondence from Student Loans. I was made redundant in 2009 and reached 65 in 2012 , at which age the loan should have been cancelled. Now , today, 12 years on retirement and 11 ( at least years after last contact) I get a letter with veiled threats. Do I , as I smell a scam a) ignore it and hope that Erudio will think that this phishing attempt has failed or b) respond with a statute barred letter or c) remind them of legal terms that loan should be cancelled 12 years ago or d) combination of b) +c)      
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Quick Quid - calling me at work - need to stop them! **


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Hi, I'll post properly about my own little PDL mess in a moment, just frantically searching for a template...

 

I've seen it somewhere - QQ phoned me at work today. The only number for my work is a shared line - I never answer it, it goes through to the enquiries office.

 

Can I request they remove that number from their databases?

 

Having a small panic attack.

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You can request they remove it, but they can also ignore your request if previous posts are anything to go by.

 

best way to stop them phoning is to call them and try to come to some arrangement, but I understand this may be easier said than done, but if you speak to them they will have no reason to keep calling.

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QQ are outsourced workers on a high commission basis. You can't come to an agreement with them as they like the charges to pile up.

 

What you need to do is

 

When they phone ask who is calling and then email the company telling them that X called at X time and you wish everything in writing, due to the fact that you cannot deal with complex issues on the phone. If they call again at work tell them you are going to the police (you do have that right anyway) and also contact the following

 

http://www.consumerdirect.gov.uk for Office of Fair Trading (against OFT guidelines to call at work anyway)

http://www.tradingstandards.gov.uk for Trading Standards

 

Remember negotiation with this lot is nigh on impossible, and only stick to the original loan amount and one months interest as per Section 87 of the CCA. You may get 'we don't work with the CCA Act" and you tell them "in that case you are operating as illegal loan sharks" and report them accordingly.

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Thanks. I've been negotiating with them for almost a month, and so far their idea of repayment plan is one payment of XXX.XX all at once.

 

Yay.

 

Being told by my boss that they rang his office for me was just awful :(

 

Also dealing with cash genie, PDE, txtloan, capital finance one and cheque centre. So far only cash genie have been helpful, which came as something of a surprise. They jumped over themselves to give me their bank details!

 

Cheque centre is an odd one as it's an in store loan, but the staff have actually been great and have frozen charges while we work something out.

 

Great advice about taking names when they call, because I'm pretty sure they are only staffed by robots at this point, judging by their emails. Or possibly convicts in a big, money making American jail.

 

Ramble over, I have anxiety issues and PDL companies get me jittery.

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Hello there!

 

I actually work in debt recovery and a customer/debtor asks you to remove their telephone number (especially a works one) we HAVE to remove it. If you've already done so but they've ignored it try and get his name (if it's the same man calling obviously). It is actually harrassment if we ignore this request so make sure it happens. If you can actually prove they are delaying a payment plan agreement so interest can be added then make a little diary of everything, make a copy and write to them (along with yet another formal request to stop the calls) and say you're going to take it further if it isn't resolved. As long as you are actually attempting to resolve this of course...

 

As for your other creditors it might be worth writing to them with a request for all correspondence to be in writing also and try work something out with them.

 

If you are struggling financially or even advice on how to send a letter to them then please go to the CAB or CCCS. All DCA'S now must cease action/interest for at least 30 days if you're dealing with a 3rd party. It's a policy called treat customer's fairly and The Lending Standards Board do regulate that.

 

Hope this helps, please don't bury your head in the sand.

 

Sammi

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Guest QuickQuidCustomerService

Hi sarahlloyd,

 

You can request that we not phone your employers by contacting QuickQuid Customer Service by phone or email.

 

I can assure you that QuickQuid Customer Service representatives are friendly and helpful. Our customer service line, email address, and live chat are staffed by REAL people 24 hours a day, 7 days a week, which is one of the reasons our customer service rating is so high. I’m a real person responding to you right now, in fact! :-)

 

We do our best to negotiate with all of our valued customers in order to satisfy their needs. Of course, negotiations are on a case-by-case basis as every situation is unique and we treat it as such.

 

I hope that this info helps!

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I spoke to soon about cash genie, even though I'm in repayment plan they "attempted" to take the entire amount today. I say attempted, as sadly my card was mysteriously stolen when my PDLs defaulted. Funny, that.

 

Now threatening to start adding charges. Sent several emails, heard nothing. Oh, and they rang my employer this morning. No, not happening.

 

QQ have gone very quiet also. No responses to my emails. I just want to get something sorted!!

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  • 1 year later...
QQ are outsourced workers on a high commission basis. You can't come to an agreement with them as they like the charges to pile up.

 

What you need to do is

 

When they phone ask who is calling and then email the company telling them that X called at X time and you wish everything in writing, due to the fact that you cannot deal with complex issues on the phone. If they call again at work tell them you are going to the police (you do have that right anyway) and also contact the following

 

http://www.consumerdirect.gov.uk for Office of Fair Trading (against OFT guidelines to call at work anyway)

http://www.tradingstandards.gov.uk for Trading Standards

 

Remember negotiation with this lot is nigh on impossible, and only stick to the original loan amount and one months interest as per Section 87 of the CCA. You may get 'we don't work with the CCA Act" and you tell them "in that case you are operating as illegal loan sharks" and report them accordingly.

 

I know this is an old thread but thanks sillygirl for providing this info! I've had similar issues with payday express so will follow what your recommend here also... sounds like quickquid are equally as bad... although from what I've been reading there are know good payday loan companies out there.

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  • 1 month later...

Thanks Ceri , it was more of a rhetorical question ...i.e isn't it to do with Defaults and nothing to do with loan+1months interest

 

Nothing makes a debtor (how i hate that word) look more foolish than quoting inaccurate regulations. It's a bit like saying that an agreement dated 2010 is UE due to S127(3) as that had been long repealed at that time

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