multiple PDLs....

[2009dg]

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?

[renegadeimp]

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 May 20, 2012 by renegadeimp

[2009dg]

I haven't told them to pass it on yet. I will wait for their reply.

[2009dg]

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.

[2009dg]

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

[renegadeimp]

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

 

Formal complaint to the pdl and regulatory bodies.

[2009dg]

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.

[2009dg]

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.

[renegadeimp]

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.

[2009dg]

well I can't pay anything as they aren't accepting paypal.

[renegadeimp]

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.

[2009dg]

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 June 1, 2012 by 2009dg

[2009dg]

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

[asmilecostsnothing]

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*

[2009dg]

with a DD they control for how much.

[renegadeimp]

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.

[2009dg]

I'll try that but I don't think they give out the forms, rather they want me details. Actually don't my details go on the form not theirs?

[2009dg]

nope checked an old DD from them DD's contain my details not theirs.

[2009dg]

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

[renegadeimp]

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

[asmilecostsnothing]

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

 

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

 

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

[2009dg]

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

 

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

 

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

[2009dg]

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.

[2009dg]

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 June 6, 2012 by ims21
Identifiers removed

[2009dg]

So they have lowered their offer to £80 but I still can't afford that!! So back to them I go.