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    • But if 'non-essential' retail outlets can still deliver even though they have to close the shop what's the reasoning behind not allowing supermarkets to deliver the same items?  I read a whole article this morning on how deliveries are fine but click and collect isn't.   And as an aside, what's he got against office supplies for everyone WFH?  I could have a whole other discussion about his allowing unlimited sales of batteries - can't work, can't clothe your children but you should devote your time to battery powered devices.  You have to wonder.
    • He is stopping retailers allowed to open selling what is on the Non Essential list as he says not fair supermarketys can sell what the shops he forced to close sell, he is looking at restricting online shopping to exclude non essential items don't think he can though.  Argos closed their retail outlets but are taking online orders for delivery.
    • It has been established in several cases that Delivering isn't parking, and in any case if it was the 10 minutes grace would apply.  they would be silly to take a delivery driver to court if on deliveries. Were you in a van or car?
    • So if you're expecting a baby in the next couple of weeks not only can you not buy baby clothes or bedding in Tesco but he also wanted to stop new parents getting the stuff online?  I'm sure I read somewhere that non-essential retailers who have had to close may still deliver.  Does this mean you can get non-essential items in your supermarket shop if it's delivered but not if you shop in store?    This sort of stupidity isn't to do with the virus, it's a pure power play surely.
    • PDF please so we can zoom  read upload   any road marking on private land are purely tarmac graffiti and have no standing in law. and anyway all speculative invoices issue for parking have a 10min grace period   dx      
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      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
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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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Report Cash Genie to the OFT and Trading Standards, if you don't do that you are wasting your time on this forum. The more complaints they get the more they will have to act.

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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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