Quick Quid say I dont owe them anything :)

[jodiie.anne]

Hiya everyone, i took out a payday loan a couple weeks ago with quick quid, i was supposed to be paying them back today, when i tryed to log into my account it was saying my email address doesn't exsist, so i rang them up and was told that quick quid had closed my accound and i owe them nothing? is this right do they clear the account when they close it? im just worried that in a couple days time there be phoning me and putting charges on it? what do i do?

[Jon1965]

Hi

They have done the same to me, make sure you keep the email . I have emailed them back asking for a refund of any money paid to them since the account was closed but to no avail (mind you it is all of £2)

[jodiie.anne]

I havent had any emails from them what so ever saying that they have slosed my account etc, I had to phone them and she said on the phone it had been canceled... i was supposed to pay 65 pound today but their saying my balance is 0

[ims21]

New thread created, posts merged and tidied

 

Please stick to this one thread for your issue

 

ims

[jodiie.anne]

i spoke to spmeone on live chat asking them to send me email confermation that my account has been clossed and my balance i s0.00 but i have recieved nothing :/

[quackquack]

Now this is strange two of u being told u owe nothing so ok only good if u can get an email stating u owe nothing otherwise I would not trust them so keep at it ul have to keep contacting them for confirmation but I smell a rat somewhere and not sure what yet UNLESS they are ridding themselves of us brits because there licence is due for renewel anyway let us know how it goes get that confirmation asap and hope no one comes knocking on ur doors through there mistakes

[citizenB]

As long as you have those emails, I would say you are quite safe - so dont lose them !!

[seanamarts]

Be interested if there are any more like this.

[citizenB]

Jodieanne, on reflection I rather suspect that this not actually a problem.. not for you anyway. After all you have been advised you do not owe them anything and have an email to prove this.

 

It would be interesting to hear of anyone else who has been advised of this and in this respect I have amended your title in order to encourage others to view this thread and respond.

[quackquack]

:behindsofa:hello please dont go by an advice from qq it must be in writing as otherwise they may take from ur accounts re banks so now id get all direct debits to them cancelled and report ur bank card as lost and get a new one

[citizenB]

You dont have to report your bank cards stolen. If you cancel the continuous payment order with your bank they are obliged to comply. Any further payments made then are made without your permission and should be refunded by the bank.

 

http://www.consumeractiongroup.co.uk/forum/content.php?850-Continuous-Payment-Authorities-How-to-stop-them

 

But it is up to you to make sure that you advise your bank and probably best in writing with proof of posting and a receipt that you are cancelling the authority and that there is no longer permission for XYZ to take any payments.

[quackquack]

Hello i beg to differ re above message i wouldnt take any chances with payday loan companies i would definaatly order a new card as banks have been known to let payments go through so to be safe thats what im advising you only have to read other forums re banks letting payments go through so its not worth the stress

[quackquack]

And thats all i have to say on this post and hope it helps the person involved in the long term

[citizenB]

Suggested letter to send to the bank - either hand in to the branch or send by recorded delivery

 

Attached Files

• Letter to bank to stop PDL payments.doc‎ (10.5 KB, 0 views)
  

 

 

Taken from another PDL thread

[Jon1965]

A couple of points

1) I haven't seen where Jodieann has said she has an email, as far as I read it, I am the one with the email.

2) It's a great idea to stop the continuous payment authority and of course you are correct that it should be enough. However we know that not all banks have got their house in order so if the bank do let it through and your bank account is emptied, it's all well and good saying you will get it back...but if you have no money and you have to go through hoops to get it back it is of no help.

So maybe belt n braces, send letter and cancel your card.

[citizenB]

A couple of points

1) I haven't seen where Jodieann has said she has an email, as far as I read it, I am the one with the email.

2) It's a great idea to stop the continuous payment authority and of course you are correct that it should be enough. However we know that not all banks have got their house in order so if the bank do let it through and your bank account is emptied, it's all well and good saying you will get it back...but if you have no money and you have to go through hoops to get it back it is of no help.

So maybe belt n braces, send letter and cancel your card.

 

 

Nope, you are correct.. jodie advised that she was advised in a phone call.

[asm2012]

Hi I don't know whether I’m posting in the correct place but I have had the same problem!!

I owe QQ £187.50.

They set up a pre default payment plan for me which where I would pay:

 

26/03/2012 - £62.50

 

26/04/2012 - £62.50

 

26/05/2012 - £62.50

 

I have got a new debit card and was trying to provide QQ with the details yesterday on Live Chat so they could process my first payment. I was told that the payment system was down and to contact them tomorrow (today).

So! I contacted them today via Live Chat and was advised my account was in default as they couldn’t process my payment yesterday and to phone up the collections dept.

I phoned up the collections dept stating I wanted to pay the first lot of £62.50 I owe and the woman said I owe £75.00 as a late fee had been added.

I refused to pay the late fee and told them I was informed on the 26th to phone up today and pay and there would be no problem. I got put on hold while she ‘reviewed my account’

The woman then came back on the phone and told me she had just refreshed the system and I do not owe QQ any money my balance is £0.00 and my account had been closed.

 

I was very confused by this and I said I owe you money blah blah and she kept insisting that I don't and that my account had been closed.

I asked if I could get this in writing and she said QQ do not send letters when the account is closed but once the system has been updated if I log on to my account this will show.

I logged on to my account and found that my loan status is saying ‘in default’ Which is no surprise as I have not paid them yet because they keep refusing to take payment!! So I spoke to an advisor on live chat to get it confirmed in writing here is the conversation I had:

 

Hello! Thank you for choosing QuickQuid, where you can get 10-Minute Money, 24/7. A representative will respond to you shortlyYou are now chatting with Perpetrial.

Perpetrial: Thank you for contacting QuickQuid, where you can get 10-Minute Money, 24/7. I'd be happy to assist you with any questions you have. Before we start, can you please verify your full forename, surname and year of birth?

XXXXX: XXXX XXXXXXXX, XXXX

Perpetrial: Thank you for providing that information. Just a moment while I review your account, please.

Perpetrial: Thank you for holding, XXXXX. I would be delighted to assist with your query today.

XXXXX: Ok , thanks.

Perpetrial: You're welcome.

Perpetrial: After reviewing your account, XXXXX, your account has been closed with Quick Quid.

This decision was made based on Identity verification, banking information, and/or your financial history.

Perpetrial: Your outstanding balance is now £0.00 and we will not be reporting your latest loan transaction to Credit Reference Agencies.

Perpetrial: If you have further queries, please contact us in writing at the following address:

Perpetrial: P.O. Box 491

Perpetrial: Leeds

Perpetrial: LS3 1WZ

XXXXX: Why is my balance £0.00 when i haven't repaid my loan yet?

Perpetrial: Your balance is 0.00, because the account has been closed.

XXXXX: Why has the account been closed?

Perpetrial: You have the right to request an appeal of the credit scoring used in making this lending decision. All requests for an appeal must be sent in writing to the below address. We will provide an answer within 21 days of receiving your request. You may be required to submit bank statements, pay stubs or other additional validation as part of the appeal process.

XXXXX: Why has the account been closed?

Perpetrial: resolution at quickquid.co.uk.

XXXXX: Why has the account been closed?

Perpetrial: XXXXX, you will have to request that information in write or to the email I have just provided.

Perpetrial: For security reasons, I do not have access to that information.

XXXXX: So i do not owe quick quid any money?

Perpetrial: You have a 0.00 balance.

XXXXX: Have quickquid passed my loan on to someone else?

Perpetrial: No, the information has sent your information to anyone else and we will not be reporting your latest loan transaction to Credit Reference Agencies.

XXXXX: I have not repaid my loan

Perpetrial: XXXXX, I understand you have not repaid the loan. At this time, the account has been closed and you do not owe any money. We will not be reporting your latest loan transaction to Credit Reference Agencies. If you wish to receive a reason why, you can request an appeal of this decision at the address I have provided to you.

XXXXX: yes so i am going to owe money in the future and i want to repay it now.

Perpetrial: You do not owe any money, XXXXX.

Perpetrial: The balance is 0.00.

Perpetrial: If you want to dispute this, please write to the address provided.

XXXXX: I really dont understand this.

Perpetrial: I cannot take a payment for you today as the account has been closed.

XXXXX: I am going to email the email address you provided.

Perpetrial: XXXXX, you can write to the address or email us for more information.

Perpetrial: Is there anything else I can help you with today?

XXXXX: No

Perpetrial: Thanks for chatting with QuickQuid, where you can get 10-Minute Money 24/7. Did you know that you can check your loan status, review your repayment schedule, and request a password reset right from your homepage using your Computer or Mobile? Do this - and more - at your personal account on QuickQuid! Please give us your Feedback by ticking Rate Company, we would love to hear from you. Enter for a chance to win an iPad2 just by telling us how your QuickQuid loan helped you and how it made you feel on our Facebook page! Like us on Facebook and receive news about special promotions and discounts!

Thank you for chatting with QuickQuid.

 

Can anyone make any sense of this? I have also emailed the above email address and I'm waiting a reply from them

Edited March 27, 2012 by seanamarts
made readable

[renegadeimp]

Never, EVER deal with them using phone calls or live chat. ONLY deal with them using email or a typed letter sent by recorded delivery. As you found out, they can and will do anything they like because there is no trail of evidence of what they said.

 

Also, if i were you, i'd just leave it now. Theyve said your account was closed and you owe nothing. You have it in writing ( i think) that you dont owe anything, so even if they try any tricks, you have full proof.

[asm2012]

Never, EVER deal with them using phone calls or live chat. ONLY deal with them using email or a typed letter sent by recorded delivery. As you found out, they can and will do anything they like because there is no trail of evidence of what they said.

 

Also, if i were you, i'd just leave it now. Theyve said your account was closed and you owe nothing. You have it in writing ( i think) that you dont owe anything, so even if they try any tricks, you have full proof.

 

I have the above Live Chat conversation saved on a word doc don't know how that would stand as proof though as i have copied and pasted it...i have sent them the following email:

 

Hi,

 

I had a pre-default payment set up with yourselves and i was due topay the following:

 

£62.50 - 26/03/2012

£62.50 - 26/04/2012

£62.50 - 26/05/2012

 

On the 26/03/2012 I contacted Quickquid via live chat in the morningand afternoon to try and provide my new debit card details so youcould process payment. I was informed that the system was down and icould not process the payment and to get in touch tomorrow.

 

On the 27/03/2012 (today) i contacted live chat and they informed meto phone the collections department. I phoned the collectionsdepartment and i was informed that my account had been closed and£0.00 was due.

 

I have not repaid any of the outstanding balance so i do notunderstand how i do not owe quickquid any money?

 

Please can you resolve my query asap.

 

Thanks

I just find all of this a bit strange as why would a PDL company not want there money back?

[renegadeimp]

It would be hard to have that as proof if it ever goes to court. Thats why CAG recommends you ALWAYS deal with them by email or recorded delivery letter.

 

You should really just leave it if im honest. They have closed your account for reasons only known to them. All you need to do is get this in writing, via email or letter. By continuously askign them why, you are risking the chance that they will open up a new account in your name, transfer this amount over and then add charges.

[quackquack]

Again quick quid closing another account whats goin on i wonder ...as said before there licence is up in uk soon and im wondering if there getting rid of us brits but to be on the safe side i would phone cccs or payplan explain whats happened and see what they say and also u will hav a reference number with cccs or payplan to come back too if qq were to reinstate ur account or pass it to debt collection as proof u tried to pay

[asm2012]

Again quick quid closing another account whats goin on i wonder ...as said before there licence is up in uk soon and im wondering if there getting rid of us brits but to be on the safe side i would phone cccs or payplan explain whats happened and see what they say and also u will hav a reference number with cccs or payplan to come back too if qq were to reinstate ur account or pass it to debt collection as proof u tried to pay

 

It is very strange.. I got an automated email this afternoon about payment so i spoke to them via live chat again (i know its better by email but im still waiting for them to reply to my first email). The person on Live chat said i owe £72.50 then a minute later she was saying Your account is closed with us you dont owe us anything!!!!!! Confusing!!! I don't believe they can just write it off. Unless they pass it to someone else to chase up for them?

[renegadeimp]

I've got a feeling that theyre on the verge of losing their license so theyre trying to clean up fast.

 

AS for them not being able to close it off... they can do it anytime they want. They can just write off the debt as a loss. Since theyre not UK based, theyve probably realised that they have no real legal grounds to chase them up.

[sillygirl1]

Continue to check your bank account - one wonders whether QQ have now realised they cannot take people to court in the UK, clearly something is going on behind the scenes in the PDL market....

 

Hopefully there will be a message somewhere, I will check the OFT site and come back here with any news.

 

Keep anything in writing that you have (printouts of the chat are great evidence).

[26072004]

Maybe they are writing off excess charges before the OFT conduct their investigation into PDL companies, to try and make themselves look better (too little too late)