Quick Quid & Pounds Till Payday

[Venice139]

Hi, I have decided that I have had enough of paying off the interest every month on my payday loans so have cancelled my DD's to them. I have been reading various posts on this forum which has halped me alot, however I have sent QQ and PTPD an email advising them of my financial difficulties etc etc and that I will make a token payment of £10 to them this month until a payment plan is set up.I have had various emails from both of them but both are saying that to set up a payment plan then I need to contact them by phone or by Live Chat (QQ) as this is the only way a plan can be set up, they have advised that it cannot be set up by email.I haven't even defaulted on them yet as my pay date is on the 24th.Has anyone been able to sort this out by email as I don't want to speak with them over the phone and I also don't want to give them my new card details. I know from previous threads that I can pay QQ by paypal but does anyone know how I can pay PTPD or better still got their bank details so I can set up standing order/bank transfer.Thanks in advance

[quackquack]

Hello type in my forums on qq and poundstillpayday to help u ,,,qq will usually set up a plan after u default by email and ptpd will only gicve u 8 wks to pay up then send it to a dca and they will bombard u with text phone and email messages with threats so i would get shot of these first so look on my quackquack forums or type in ptpd or quick quid xx

[quackquack]

Spell mistake above re ptpd will only give u 8 wks and u can pay them by faster payment on line with ur bank

[quackquack]

Or phone ur bank to do a faster payment

[Fisco2k]

I have had various emails from both of them but both are saying that to set up a payment plan then I need to contact them by phone or by Live Chat (QQ) as this is the only way a plan can be set up, they have advised that it cannot be set up by email.I haven't even defaulted on them yet as my pay date is on the 24th.Has anyone been able to sort this out by email as I don't want to speak with them over the phone and I also don't want to give them my new card details.

 

Absolute garbage.

 

I have been in email discussions with Quickquid via email myself and they have offered me numerous arrangements and said i could pay by postal order:

 

Quickquid

P.O Box 47

Sheffield

S98 1DR

 

We accept the following forms of payment:

 

Direct Debit

Debit Card

Bankers Cheque/Postal Order

 

So they do make arrangements via email and there is ways to pay without handing over your details (took me a while to get them though)

 

If you do send postal orders i've heard many people saying only send crossed postal orders and send by signed delivery.

 

Crossed Postal Orders: http://www.postoffice.co.uk/finance/making-payments/postal-orders/faqs#42900267

 

Also make sure you include any details such as your Quickquid account number on the postal order.

[Bombaymix]

QQ now offering payment plans?? Wow...

 

Before I found cag and learnt the golden 'stay off the phone' rule. I looked forward to my daily phone call with a very uninterested single toned American lady. I told her I couldn't pay, she told me I couldn't not pay, I told her I couldn't pay, she told me I couldn't not pay. This used to go on for 5 minutes before I'd tell her 'ok, I'll see what I can do tomorrow' and she'd be happy with that and phone back tomorrow for our daily chat.

 

They passed me onto mucky hall and MMF before I could agree a payment plan that I could afford!! Strange, they never over extorted their charges and fees. My debt only ever increased from £400 to £469 in 18 months.

 

PTP... I think they prefer to deal with DMPs (not recommending a DMP btw, they are ok if you're desperate) when I first emailed them, they told me to send them details of my dmp. They accepted my own dmp within days. I never got one call from them.

 

Aswell as cancelling your dds... Did you also cancel your debit card? A lot of advice here is to completely change your bank account!!

 

Best to try and get your wages paid into a different account to protect it!

[wonganeveragain]

Thought you might be interested in the letter i have sent QQ today (below) I'm having a nightmare with them I don't know how anyone can sort out stuff with them? The calls at my work have just been awful.....maybe i should have just ignored it rather than trying to deal with it!!

Dear sirs

I am now getting more than a little frustrated with Quick Quid.

On 3/2/12 i had a telephone conversation with a lady who called me from Quick Quid, she promised to email me with a payment plan.

On 6/2/12 I received an email from you saying my payment was overdue etc... but no payment plan so I emailed you to explain I had spoken to someone and was awaiting a payment plan

On 7/2/12 I received a payment offer from you spreading the balance over 3 months to which i replied on 8/2/12 saying i was still unable to afford these repayments you then replied the same day with an offer spreading the balance over 4 months.

I replied on 9/2/12 saying I was still unable to afford this and would you accept £100 for two months followed by payments of £150 per month.

I received a reply also on the 9/2/12 negating to say if you accepted my proposal and just stating that you would not accept standing orders and detailing your accepted payment methods.

I replied the same day stating that i may be prepared to pay via paypal if you could explain how I would do this and that failing this I would send a cheque each month also i pointed out that you had negated to say if you accepted my proposed payment plan .

I then received a reply on 10/2/12 offering a payment plan once again spreading the debt over 3 months (identical to the initial offer) which is clearly no help at all and out of context with the previous correspondence!

I replied again on 10/2/12 suggesting that you review the previous correspondence between myself and Quick Quid before replying to my emails.

And finally now today I receive a reply saying that you are awaiting confirmation of a payment plan and collections will continue????

Whilst all this has beeen occurring you have also been constantly calling my work and on one occasion even played a recorded message down the phone to a collegue asking for them to call you urgently! The message even failed to state who it was for!

 

All this has put my employment in jeopardy and been hugely embarrassing and resulted in my sending you a Formal letter of complaint on 9/2/12 and copying both Trading Standards and the Financial Ombudsman in on it.

Nedless to say I have not received any reply to this nor have i received a copy of your company complaint procedure as requested.

Quite frankly I am now at the end of my tether with Quick Quid!

I am not trying to avoid paying you nor am I hiding from the problem but it appears from the above that you have no wish to sort any arrangement out.

I have once again copied the Financial Ombudsman and the office of fair trading in on this correspondence.

I await your written response

 

QQ now offering payment plans?? Wow...

 

Before I found cag and learnt the golden 'stay off the phone' rule. I looked forward to my daily phone call with a very uninterested single toned American lady. I told her I couldn't pay, she told me I couldn't not pay, I told her I couldn't pay, she told me I couldn't not pay. This used to go on for 5 minutes before I'd tell her 'ok, I'll see what I can do tomorrow' and she'd be happy with that and phone back tomorrow for our daily chat.

 

They passed me onto mucky hall and MMF before I could agree a payment plan that I could afford!! Strange, they never over extorted their charges and fees. My debt only ever increased from £400 to £469 in 18 months.

 

PTP... I think they prefer to deal with DMPs (not recommending a DMP btw, they are ok if you're desperate) when I first emailed them, they told me to send them details of my dmp. They accepted my own dmp within days. I never got one call from them.

 

Aswell as cancelling your dds... Did you also cancel your debit card? A lot of advice here is to completely change your bank account!!

 

Best to try and get your wages paid into a different account to protect it!

[wonganeveragain]

Also forgot to mention, I would love to stay off the phone but despite me requesting that they only contact me via email they continue to call my work! It's really not funny! I have now sent the official complaint letter and am praying that the calls to my work cease! As you can see above I have been trying to sort a payment plan out with them but it's verging on impossible.... they seem to be total cretins!

[sillygirl1]

Send them an email stating the following

 

"Please remove all telephone numbers from your system for me. I want to keep everything in email so I can use it as evidence should this case come to court.

 

I would also remind you of the Office of Fair Trading's Guidelines on Debt Collecting which state that communication can be in a peferred method, I choose email for this for its immediacy and paper trail, and I would mention that all calls to my work numher are automatically recorded. Any further phone calls will result in an immediate complaint to the OFT.

 

That should make them stop. You need to spell it out to some of these 'offshore based' companies. QQ used to be in Canada but Canada took the lead and booted out all the Payday loan lenders, so they decamped to certain USA states which allow them to operate (again not all USA states allow these predatory sub prime companies to operate).

[wonganeveragain]

Thanks Sillygirl I'll try this I'm also thinking of filing an official complaint letter with the financial ombudsman about this I understand that the form is very long and the procedure can take a while but I have been absolutely disgusted with QQ!

I'm quite savvy and up to speed with my rights etc.... I really hate to think how this company are so intimidating that they've probably scared less savvy people half to death!

The way they speak to you on the phone is frequently nothing short of appauling too and then their tag line at the end of every fraught and frequently rude conversation "thankyou for choosing quick quid" makes me want to kill Grrr !!

[sillygirl1]

In the bad days when I dealt with them one particular Canadian person rang and I put the phone on speaker and he ranted on for a good five minutes about 'people like me taking money and not paying and people like him have to do the job they do to ensure the law is kept to...' he got a good mouthful in broad Scots from my flatmate which shut him up.

 

They use the phone because they believe it is an 'essential tool' in their fight against 'delinquent debtors'.

 

BTW - great user name!

[quackquack]

:violin:See forum on supposed quick quid lawyers being in touch regards these forums Edited February 14, 2012 by quackquack

[Bombaymix]

Do u have a link for that thread quackquack?

[wonganeveragain]

yes link pls quack quack

[quackquack]

no no link just look it up on the pdl forums by another ul find it in big writing:whoo:

[wonganeveragain]

Quick update - I have now had an email from them saying my work tel number has been removed from the system (result) although they will still contact me on my mobile as I signed an agreement agreeing to all forms of electronic communication when i took out the loan!

They have also offered me a "new payment plan" which is basically the whole lot owed in one payment at the end of this month??????????

 

I really don't get these people if you see the letter to them i posted earlier they know this isn't going to happen, so it's as if they have no interest in resolution?

 

I'm now at the stage where I really cant be bothered to even email them anymore it seems like a pointless waste of time as they totally ignore what you can afford!

 

Not sure what my next move should be or even if there should be one???

[sillygirl1]

Your next move is to complain to the OFT and Trading Standards as previously advised, keep complaining and complaining about each breach of the OFT guidelines on debt collecting, you need to spell it out to the OFT which guidelines have been broken.

 

If you don't do this you are wasting your time posting on this site.

 

http://www.consumerdirect.gov.uk for the OFT

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

[wonganeveragain]

Already done this Sillygirl in fact have copied them in on all correspondence with QQ recently so QQ are also aware of this. Had a reply from OFT too this week standard thankyou for your complaint type thing and am also going to forward the QQ reply to them as an apendage.

[Bombaymix]

Sorry to hear you're still struggling with these numb skulls!

 

Just a thought.... Might be worth sending them what you can afford monthly as a token payment. 'If' they ever do go down the court route, it's added defence for you that you've been making payments!

 

Hopefully they'll hurry up and pass the debt to Mckenzie hall. Although this company aren't favourites on this site, I had more joy in getting them to remove ALL my numbers from their system and be dealt with in writing only. They're also a lot more accommodating to repayment plans.

 

QQ were absolutely awful with me also. No compromise at all.

 

Hope you get sorted soon x

[wonganeveragain]

Thanks Bombay I was thinking about doing thhe token payment thing myself actually! They really are awful to deal with aren't they! I can't quite work out what their agenda is? You would think they'd want to get something sorted as soon as possible .....but no! The debt is less than 800 so my offer to them would have meant it was paid in less than 6 months I could almost understand if I'd offered them a tenner a month or something! Oh well their loss cos I really am not worrying about it any more!

[Bombaymix]

I think a lot of these companies mourn the loss of our custom lol.

 

I had to endure months of harassment from QQ before they passed me onto MH. Wish I found cag before and I'd have been better equipped to deal with it all.

 

I think QQ kept me for 90 days before passing me onto MH then MMF. They were both a lot more willing to set up plans, although MMF - the second DCA, were more willing to accept reasonable amounts.

 

You sound like you're being over generous with your offer to QQ - more than they deserve after treating you like this lol. Yeah, ridiculous how they won't entertain those offers!

 

Just be careful that your offer doesn't meet or exceed the cost of 'rolling over'! I wouldn't put it past them to consider your payment as an extension/deferral payment. Would hate to think that you are paying them £xxx monthly and your loan amount still remains the same.

 

Good luck and please keep us posted

[quackquack]

email them again and again until they agree a plan with u it sometimes depends who ur dealing with..ptpd will only wait 8 weeks for full payment then send it to dca x:oops:

[wonganeveragain]

Thanks for the advice Bombay and Quack Quack. I have decided Im gonna play them at their own game as the repayments on the payment plan they have offered are getting higher and higher with each email my offers to them are now going to get lower and lower! lol

Lets see how they like that!!!

[Guest QuickQuidCustomerService]

Hey Venice139,

QuickQuid has numerous options available to assist customers in the repayment process that we aren't able to properly advise on through email, which is why we don't set up plans that way. It's extremely helpful to be able to have a conversation about your options, what may be right for you in your particular situation, and how we can move forward so that we can help you avoid default as well. I hope this information helped!

[sillygirl1]

IIt is not advisable to just speak to you on the phone, if an email is sent there is proof available should your company backtrack on the deal - this is why email is the preferred method used in negotiations.

 

Telephone calls are not always able to be clearly understood by some and when you are distressed and unsure of your rights it is easy to get things wrong.

 

Sorry QQ, but here in the UK we prefer the written word when negotiating deals.