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    • https://www.consumeractiongroup.co.uk/topic/408156-cabotnolans-spc-claim-old-next-cat-debtclaim-dismissed/page/4/#comments https://www.consumeractiongroup.co.uk/topic/404240-arrowshoos-spc-old-newday-aqua-credit-card-debt-claim-dismissed-no-dn/page/4/#comments default notice win  https://www.consumeractiongroup.co.uk/topic/407490-meiii-cabotnolans-spc-claim-old-yorkshire-bank-loan-2nd-claim-dismissed/  
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    • With regard to your question on post 207 if you bring in the points that I made on the validity of the contract they are supposed to have with Peel holdings then mention that there are already doubts about the validity of the contracts that are being used by the PPCs and the OPS is a classic example. Once you are on there you should then try and get your other point in after that.   if it is in connection with the extra charge of £60 remind the Judge that the charge has been defined by many Court across England that the charge is an abuse of process which was covered in PE v Beavis at point 198    " The charge has to be and is set at a level which enables managers to recover the costs of operating the scheme"  IE the £100 charge covers all their expenses so nothing should be added.   as their WS claims an extra £60 that could be judged as perjurious since it is an additional sum that should be known by VCS and the author of the WS as a double recovery. Especially as they have already lost in Court for the same reason.   Another cause to prove that they do not comply with their Code of Conduct. file:///C:/Users/User/Downloads/CamScanner%2008-05-2020%2016.34.59.pdf  Byelaws are statutory not arbitrary as their WS said on no .42 .   Best of Luck.   The above URL does not work but this one does http://forums.National Consumer Service.com/index.php?showtopic=133001    [20.1 is where  VCS  lost then 20.2 where they appealed and lost again . But read the whole thread as it may help you in other ways too.
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    • stop doing nolans job for them... there are numerous threads here in the same forum yours is in     no DN info to follow   dx    
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    • 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.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Quick Quid emptied my bank account!


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I have an agreement with quick quid with a outstanding balance of £447. I emailed them to explain that due to xmas/new year payment date changes i would not be able to repay the full amount and could I arrange a repayment over 3 months?

 

No reply to the email but they have taken £217 out of my bank without explaining what it is for or even asking for that matter. The card they used was cancelled after it was snapped by a over keen atm machine. Yet the bank payed out on it? The downside is that

now as a family of 5 we have no money for shopping or petrol for me to get to work. They have left us high and dry.

 

The bank are sending out a form for a charge back but this takes time. Would I have a case complaining to trading standards and the OFT regarding the taking of money without my consent. Is there anything I can do if I ring these [EDIT]?

 

Any help would be great.

Edited by ims21
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Best to make a complaint first to Quick Quid - head it OFFICIAL COMPLAINT

 

Sadly the bank could also be accountable here - you see even if the card is replaced QQ will still access your funds - banks work with these type of lenders because of 'rolling contracts' - I'm no banker but really believe this element

 

Be careful because QQ can and do set up direct debits as a 2nd protection which maybe why you'll need to change bank/building society

 

From my own experience once your in some kind of repayment plan with QQ you will just not be allowed to change figures or future payments - understood that in a round-about reply entirely different to something else I was asking!

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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QQ only communicate with you on their terms. I notified them on 21 December that bank account had been closed; responded stating that they would contact within 24 hours; they finally did, today, by text, stating that there had been a problem with the transaction (really?!). Got on the phone to them. Well, my son did and then authorised them to speak to me. They stated that the £450 loan, £122.81 interest had now been increased by a further £133 because the payment had not been honoured. Hit them with dates and the consequences of not acting upon communications to them; informed them that they had been notified well in advance of the 30 December deadline and the fault was theirs. They then proceeded to transfer me, keep me on hold: the usual time-wasting tactics, so letter to Financial ombudsman will be posted tomorrow; Consumer Direct have already been notified. bart 70: inform them that the account is being closed (apparently they require 3 days notice); close it, and inform your bank that you have informed QQ that the account is to be closed and no further payments are to be levied against it. According to advice on other threads on this forum, they can't keep adding charges as they feel like it. I am writing to their London office now.

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It sounds like you've got the bank onside regarding reclaiming the money, but in answer to your other question...yes, do report them to the OFT and TS.

 

As ASmileCostsNothing has already said, it's important that you open another account - they will try to set up DD's on your account, and even if you cancel them they might try to re-instate them.

"Then they came for me--and there was no one left to speak for me". Martin Niemöller

 

"A vital ingredient of success is not knowing that what you're attempting can't be done. A person ignorant of the possibility of failure can be a half-brick in the path of the bicycle of history". - Terry Pratchett

 

If I've been helpful, please click my star. :oops:

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To encourage you!

I have received a response from QQ resolutin centre: they have removed all charges, and interest from my son's account; all that has to be paid is the original loan of £450. I used the pdf on irresponsible lending available from: http://www.gov.uk/about-the-oft/legal-powers/legal/cca/irresponsible

My son has mental health problems, but the updates to the irresponsible lending documant also covers the rights of people to a reasonable amount of time in which to repay what they owe if the existing repayment period is causing extreme financial hardship to the borrower. The pdf is 80 pages long, but it is worth a read. I have submitted a case to the Financial Ombudsman Service, because payday loan companies do need to have their licences reviewed with regard to irresponsible lending, and I want to encourage you to persevere because when you hit them with facts about their irresponsible practices they will back down.

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if it was by dd and they did not write to you stating the sum and the date

invoke the dd guarantee

 

if it was by the card

 

invoke chargeback

http://whatconsumer.co.uk/visa-debit-chargeback/

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Guest QuickQuidCustomerService

Hi bart70,

 

I'm very sorry that we weren't able to work out a payment plan with you before debiting for the amount owed, especially around the Christmas season. I have reached out to my team here and we want to be sure to review your situation and sort it accordingly. Please reach out to us directly at by emailing resolution at quickquid.co.uk. Please include the link to this post as well as your CAG username. My team will be looking out for your communication specifically.

 

Thanks. We look forward to hearing from you soon.

Nicole, QuickQuid

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