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    • statute barring in Scotland is 5yrs from last payment/use date or date of default Notice + 14 days, whichever is the later. dont confuse that with the 6yrs debts show on credit files (DN's 6th bday regardless to payment or not). they'd never get a claim raised by august in 99% of cases . as long all these debts were taken out whilst resident in scotland and you have not moved since taking them out but failed to inform the original creditor before the debt sale....... then stay radio silent until sb date is reached. then if you wish send our scottish sb letter. just remember unlike E&W in scotland debts are extinguished, dead , gone , parrot. once SB'd dx  
    • Hi all, Love this site and it's no nonsense advice, have dipped in and out of the consumer forums over the years, mostly to assure myself that what I was doing was the right thing when dealing with various businesses (almost 100% success rate, thanks in part to reading and more reading here.). Anyway, the time is almost approaching where I might need to ask for some specific help and I have a couple of queries that I can't see definitively answered. Due to financial mismanagement and severe anxiety issues I stopped paying all unsecured debt in December 2018 (one slipped to the first week in Jan 2019 when the last payment was made having rechecked my bank statement from that period - all my unsecured debt direct debits were cancelled in early Jan 2019). This has left half a dozen debts;  a couple of credit cards, a bank loan, Shop Direct and some Hitachi Finance stuff having been sold on and passing the rounds through the usual suspects, Lowells, Link, PRA Group, others related to them, and then back to them again. I have somehow successfully managed to maintain radio silence and avoided anything more worrying than their begging letters.  I have blocked their phone calls and texts, bumped all emails to the spambox and had a chuckle at their desperate letters.  I've never had anybody at the door.  I have been at the same address since before I defaulted and all correspondence comes to my current home address.  I have NEVER contacted them or admitted any debt. In anticipation of them perhaps ramping up action at the last minute I've had a look at my credit report on Credit Karma (rec'd from this very place) and I see that the default dates on these range from May 2019 to November 2019. Also in preperation I've been reading, reading and reading lots here as advised. Obviously being in Scotland there are a lot fewer posts relating to these matters and it's always quite annoying when OP's do not follow up with any outcome on their cases - how rude! This has also left me a bit confused of when I am able to finally breathe easy (although cancelling all the direct debits in Jan 2019 was the biggest sigh of relief as I knew it was all going to be unmanageable and, well, default one, default all.). I've been reading that defaults should be filed 3-6 months after the missed payment but one of my larger debts was defaulted on 27th August 2019 when the last payment I made was 10th December 2018, meaning the first missed payment was 10th Jan 2019.   My query for now is - when should I infer that these debts are prescribed?  From when the payment was missed, or taking the default date plus 5 years from the credit report? The three I have with the May date are moot anyway as either way they are gone  - some letters from Lowell offering me 90% off to settle is what got me thinking these must have been near SB status, however I have one big 10k+ with a July date and another 10k+ at the end of August I am feeling a bit anxious again, even though I know there is nothing to worry about with the begging letters.  Reading the various forums I am not sure why the OC's didn't take action against me when I read time and again the surprise that other posters haven't already been taken to court for lesser amounts - I'm also surprised I've avoided any action this long as there are plenty in this forum and sub forum who are whisked off to the court by the beggers minions after only a year or so after defaulting.  There are no CCJ/decrees listed on my credit report and I have not received any such judgements against me.  I still just regularly receive the begging emails to the spambox, the blocked phone calls and the letters from the they. I'm also reading that there is no need in Scotland to send an LBC so what should I be looking out for to know that the time has come to engage with CCA requests etc? I'm afraid in a fit I threw a lot of the paperwork out but I have a box of stuff I'm going to go through which may have the original letters from the OC's. Thanks in advance for any advice.  
    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
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multiple PDLs....


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me latest email:

 

 

You are not accepting a valid payment method as I refuse to give you my bank details or use cheque (which charge me). Paypal is a no go as you will no doubt set up a subscription without my knowledge.

 

Should I just tell them to send it to DCA?

 

 

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Why would you do that? DCA's have no legal powers, and most of the DCA's PDL's use agree to a repayment plan, but you end up finding out that the repayments you agreed to only cover their costs and a small amount of the actual loan, if any at all.

 

You have more room to negotiate with a DCA for sure, but you have to be very careful with repayments.

Edited by renegadeimp

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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So I am going to pay QQ via Paypal. I already have an account so no need for them to take all me details before sending me their own link, I can just sent the money to their collections email and forward the payment numbers. I am basing the amount on £721 the original amount and will aim to pay £50 a month with anything above me budgeted wage going toward it.

 

So pay back plans so far:

 

PDUK = Junes 2012 payday

PDE = Julys 2012 payday

Mr Lender = Junes 2012 payday

Lending Stream = Junes 2012 payday

Quickquid = July 2013 payday ( based on £50 a month)

 

Oh and I start my new job in 4 weeks so what I am getting now basic + unsocial (band 2) I'll be making as basic with my new job (band 3), plus I am now bank staff with the hospital also.

 

 

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So QQ are ignoring my harrassment letter 10 calls since yesterday.

 

Formal complaint to the pdl and regulatory bodies.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Payday UK = £75/£125

Payday Express = £100/£200

QuickQuid = £0/£721

Mr lender = £135/£202.5

Lending Stream = £130/£173.76

 

Oh QQ's email to sent paypal payments to isn't working, well paypal say they aren't allowed to accept money to that account at monetable to receive money.

 

 

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So QQ have replied to me saying that they can't accept paypal at present and want to set up a plan for £102 per month but by DD or debit card. I shall just reply with the same thing that I can't afford that and will only pay via paypal.

 

 

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Just stick to yoru original repayment plan. This isn't America. They have no right at all to demand an amount you cannot pay. We have guidelines and regulations for a reason.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Then get their bank details so you can set up a standing order, or use a prepaid credit card. If they refuse, then withold ALL money and tell them to take you to court, as they are refusing a valid form of payment.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Well they don't give out their bank details and I don't want to pay fees for a prepaid card, plus they will still try taking more.

 

email:

Dear ??

Customer # xxxxxx

 

*Thank you for contacting QuickQuid, The acceptable payment methods used by Quick Quid are: Bank Account, Debit Card, Bankers Cheque or Cashiers Cheque. Unfortunately, we do not accept standing orders, giro slips, or provide an account number that you can make cash payments into. We apologize for any inconvenience this may cause.

 

If you have any queries, our Collections Department is here to help.

 

QuickQuid Collections Department

Direct Line: 0808 234 4561

Fax: 0808 101 1381

[email protected]

www.QuickQuid.co.uk

email:

Dear ??

Customer # xcxxxx

 

This email is to remind you of your severely overdue loan with QuickQuid.

 

Payment on this loan needs to be made immediately.

 

If we do not receive a response, we will take that as a refusal to pay and will take appropriate collections measures which include, but are not limited to, the use of a third party collections agency.

 

We value you as a customer and would like to help you resolve this matter.

 

Currently, your balance is £819.00 and FULL PAYMENT MUST BE MADE IMMEDIATELY as your account is over 60 days past due.

 

Please understand that this message is very urgent and requires immediate attention. Please contact us immediately to resolve this matter.

 

We have already sent you in the post a statutory default notice and Office of Fair Trade leaflet as required by the Consumer Credit Act 1974.

 

QuickQuid Collections Department

Direct Line: 0800 051 8272

Fax: 0808 101 1381

[email protected]

www.QuickQuid.co.uk

So they want me to pay a fee to pay them (cheque). I'm now using Metro bank basic cash card account which comes with a mastercard. With this account you can't do anything - no DD/SO/Transfers etc Thats why I want to pay by paypal. I still have my Natwest account though.

Once it goes to DCA and they have they license stopped can the DCA still chase me?

Edited by 2009dg

 

 

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So Lending stream have added yet more interest. I haven't actually defaulted with them so after I've paid the last installment next month or maybe this month if I get a little extra money. I will tell them I'm not paying any extra or do charges still stand if I haven't defaulted? My balance is £50.99 more than it should be but I only see £34 of fees on my online statement

 

 

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Hi morning

 

Quick Quid

Could you do postal order? that will still cost tho but at least it still doesn't show banking details

Could you use your ****e-west account to get a direct debit set up with QQ (have it clear and put in only whats need for each month payment) or yeh maybe you might be best sitting it out for the DCA see if you get a discount

 

Lending Stream

Do they say what those charges are for? challenge it!

A polite but firm beg and plead in writing that as you having been making payments within a short timeframe could help your cause and get them see sense here's hoping, haggle with when you'll next be making another payment, sooner could have it's advantage! *wink wink*

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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Try the old trock. get the dd form, take out the bank details. Create a standong order with them and rip the dd form up.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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latest email # 1:

 

Dear ??,

Customer # xxx

 

*Thank you for contacting QuickQuid. We received your email and notated your account. Please be advised the only acceptable payment methods are listed below.

 

Bank Account

Debit Card

Bankers Cheque

Cashiers Cheque.

 

As part of your original approval, you had agreed via your contract to have your payments processed via our payment methods. As it was the original payment method we used to fund your loan.

 

Please be advised without a secured, acceptable payment method above collection procedures will continue not excluding third party collections.

 

If you have any queries, our Collections Department is here to help.

 

QuickQuid Collections Department

Direct Line: 0808 234 4561

Fax: 0808 101 1381

[email protected]

www.QuickQuid.co.uk

 

email # 2:

 

Dear ??,

Customer # xxx

 

Thank you for contacting us to inquire about how to pay off your balance. Please be advised as your account is over 60 days in arrears it is currently being reviewed for third party collections. The payment plan we can offer is detailed below.

 

£136.50__________due 27/06/2012

£136.50__________due 25/07/2012

£136.50__________due 29/08/2012

£136.50__________due 26/09/2012

£136.50__________due 31/10/2012

£136.50__________due 28/11/2012 banking details required

 

We are currently in need of your updated banking details which you may contact us to update. To update a Direct Debit please provide: Sort code and Account number. To update a Debit Card please provide the Card type, Card long number, 3-digit Security Code, Issue number, Card Expiry Date, and Card Start Date.

 

Please note, when updating debit card details there must be at least £1.00 available in your account and the billing address for your debit card must match the billing address on your account.

 

To confirm your agreement to this payment plan, please reply to this email stating that the terms are favorable. You must include the original email with the terms to which you are agreeing in your response. Once we have heard back from you, we will set up the agreed upon debits to come out of your bank account or be charged to your debit card.

 

Collection procedures will continue until an acceptable payment arrangement is made.

 

If you have any queries, our Collections Department is here to help.

 

QuickQuid Collections Department

Direct Line: 0808 234 4561

Fax: 0808 101 1381

[email protected]

www.QuickQuid.co.uk

 

 

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They cant demand you pay inflated repayment terms. OFT says thats a big no-no.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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with a DD they control for how much. But it has to be in writing and this becomes their noose :biggrin1:

 

dg. I know you must be scared/petrified but honestly that trick worked for me and knowing I held some power helped - easy to cancel a dd and free to close account if wanting to play silly beggars !!! of course I paid what they wanted, when they wanted and also incurred a small default charge in truth on a 4 month plan back in the day least it got rid of them once and for all and so it is evident through my bank account this was one loan I actually paid over for, and to which the bank in their defence have never let QQ access my account even some 7 months on after my final payment that is my only godsend - in fact QQ have never tried because they know our dealings are finito

 

Even if it did happen now I am confident I would win having paid back plus a bit more and I'm not afraid of issuing court papers myself . Tough cookie now :boxing:

 

Like I say you have another option of waiting for a DCA don't forget, which if I'm being honest is your only probable way of setting up any standing order to pay QQ back

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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with a DD they control for how much. But it has to be in writing and this becomes their noose :biggrin1:

 

It will be for the amount they want though £134 or £102 (whichever plan they want to pick) I'm not agreeing to this and setting up a DD I have to agree to it. It will be written their amount not mine. I'm not having them take more out of my account.

 

dg. I know you must be scared/petrified but honestly that trick worked for me and knowing I held some power helped - easy to cancel a dd and free to close account if wanting to play silly beggars !!! of course I paid what they wanted, when they wanted and also incurred a small default charge in truth on a 4 month plan back in the day least it got rid of them once and for all and so it is evident through my bank account this was one loan I actually paid over for, and to which the bank in their defence have never let QQ access my account even some 7 months on after my final payment that is my only godsend - in fact QQ have never tried because they know our dealings are finito

 

I'm neither, just ****ed off with them that's all, I can keep this going forever if I have to. You paid what they wanted, I'm not going to do that.

 

Even if it did happen now I am confident I would win having paid back plus a bit more and I'm not afraid of issuing court papers myself . Tough cookie now :boxing:

 

Like I say you have another option of waiting for a DCA don't forget, which if I'm being honest is your only probable way of setting up any standing order to pay QQ back

 

See comments

 

 

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So I've finally had a default notice in the post.

 

Funding date: 29 Feb 2012

Loan Amount: £500

 

Overdue payments -

28 March 212 = £172.50

25 April 2012 = £1292

 

Late fees = £24

Balance = £1491.50

 

Action is needed before 10th June.

 

If you have difficulty paying any sum owing under the agreement or taking any other action required by this notice, you can apply to the court which make make an order allowing you ot any surety more time.

They really are talking crap lol I own then £721 which is £500 loan and £221 interest over 2 months that I took in out for.

 

Funny how they have not once mentioned these figures in any emails, only £819. They did say they were sending out a default notice but that's all. Lets see what they will do next.

 

 

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So last few emails:

 

Thank you for contacting QuickQuid. We have received your email and have notated your account. Our records indicate you have a default balance of £819.00. The payment plan we can offer is detailed below. However, in order to stop collection activities and secure an acceptable payment arrangement, you must update your banking details. To update a Direct Debit please provide: Sort code and Account number. To update a Debit Card please provide the Card type, Card long number, 3-digit Security Code, Issue number, Card Expiry Date, and Card Start Date. Once we have received your updated banking details, we will stop collection activities and secure the acceptable payment arrangement.

 

£117.00__________due 27/06/2012

£117.00__________due 25/07/2012

£117.00__________due 29/08/2012

£117.00__________due 26/09/2012

£117.00__________due 31/10/2012

£117.00__________due 28/11/2012

£117.00__________due 27/12/2012

 

To confirm your agreement to this payment plan, please reply to this email stating that the terms are favorable. You must include the original email with the terms to which you are agreeing in your response. Once we have heard back from you, we will set up the agreed upon debits to come out of your bank account or be charged to your debit card.

 

Collection procedures will continue until an acceptable payment arrangement is made.

 

If you have any queries, our Collections Department is here to help.

 

QuickQuid Collections Department

Direct Line: 0808 234 4561

Fax: 0808 101 1381

[email protected]

www.QuickQuid.co.uk

 

** Please direct your updates to the telephone number and e-mail below. Do Not Reply to this e-mail **

 

Dear [EDIT] ,

Customer # [EDIT]

 

Thank you for contacting us to inquire about how to pay off your balance. The payment plan we can offer is detailed below.

 

10 DDI or Debit Card secured payments of £81,90 due to start 27/06/2012 and conclude 27/03/2013.

 

Presently all telephone numbers have been marked do not call and there are no repayment details on your profile at the present.

 

You may still get automated e-mails and text messages that we are unable to filter.

 

To confirm your agreement to this payment plan, please reply to this email stating that the terms are favorable. You must include the original email with the terms to which you are agreeing in your response. Once we have heard back from you, we will set up the agreed upon debits to come out of your bank account or be charged to your debit card.

 

Collection procedures will continue until an acceptable payment arrangement is made.

 

If you have any queries, our Resolutions Department is here to help.

 

Warm regards,

 

RFE

 

[EDIT]

QuickQuid Resolution Department

Dept Line 0800 635 0834

Direct Line 0808 234 4558 x 31451

Fax: 0808 101 1381

[email protected]

www.QuickQuid.co.uk

 

So they are asking me to email relston direct now and have finally lowered their offer but still unsure I can afford that yet.I'm going to still try and get it to £50, most of my other PDLs will finish next month.

Edited by ims21
Identifiers removed

 

 

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