multiple PDLs....

[willnotdoitagain]

whats the stickies ??

[renegadeimp]

Stickies mean the topics ont he forum that are locked to the front page.

 

http://www.oft.gov.uk/shared_oft/Credit/complaint-form.pdf is the form you want.

[willnotdoitagain]

Thank you Rene

[2009dg]

I am filling in the form now. what do i say for question 2 'did the lender explain any of the following'? - high interest, short term loan, rollover will increase loan, total cost

[renegadeimp]

It means did they tell you that you would incur this level of interest. it could be seen as right or wrong, but the oft still needs to know.

[2009dg]

So basically was it written their website?

[renegadeimp]

It means were you informed by ANY means. Either in an email, letter, your credit agreement, on the website etc. Although legally it should have been stated on the agreement you signed.

[2009dg]

God QQ are just stupid!!! I sent them an email stating they have to accept a plan that I can afford etc and they reply with the same £269 email over 3 months lol

[renegadeimp]

Theyre an american based company that thinks they arent bound by UK rules. Keep persisting with your proposal for a repayment plan. Remember, if they try to send it to a court ( looooong way off), you have full and complete written proof that you have tried to negotiate dozens of times.

 

Just make sure you are making continuous token payments every week/month to show any court your willingness to pay, and you arent just trying to stall it. The token payments can be anything from £1 a week month to the amount you propose to them.

[2009dg]

their latest reply:

 

Customer # 3509773

We received your email regarding your loan balance and your situation has been noted. Collection procedures will continue until an acceptable payment arrangement is made.

 

Please call our Collections Department to set up a scheduled payment plan.

 

I have just stated again the amount that I can afford and that I have complained to OFT. I will be paying £50 on 30th May and will continue to do so till the debt is paid.

[2009dg]

So I have sent them a complete repayment plan for the amount of £721 not £807. lets see what they say.

[renegadeimp]

Reply to them and TELL them that you are trying to make an acceptable arrangement but they are refusing to listen. They are also trying to threaten you.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?349703-Payday-Loan-Companies-and-OFT-Guidance-on-Debt-Collection(1-Viewing)-nbsp

 

Have a read of that. I've simplified it a little and it's not exhaustive. As you can see, QQ willingly break OFT guidance the majority of the time.

 

If i were you, i would get a complaint in with the PDL and OFT, pay a token amount per week/month and keep sending those repayment plan letters. Tell them that you are paying them a token amount to show willingness to repay and you arent avoidance the debt, and with each letter, make sure you state clearly the amount you have repaid to date, along with any transaction information.

[2009dg]

they have just sent the same stupid email:

 

We have received your email regarding your loan balance and your situation has been noted. Collection procedures will continue until an acceptable payment arrangement is made.

 

Please cal our collections department to set up a schedule payment plan

[2009dg]

I have told them I am trying to set up a plan but they are ignoring it.

[renegadeimp]

Make sure you state in your letters or emails, that you will only correspond by return, and that they are breaking UK OFT regulation by telling you that you MUST phone them and they arent corresponding by other methods. Also tell them that it is your legal right under UK law to have all correspondence back and forward in full writing, should you need to provide evidence to the PDL or to a judge in a court, as well as for your own records.

 

The main thing is that you get that complaint in with as much info as you can, and every time QQ break those guidance regulations, you MUST update the complaint.

[2009dg]

right so I need their bank details does anyone have them?

[2009dg]

LATEST email -

 

We received your email regarding your loan balance and your situation has been noted. Collection procedures will continue until an acceptable payment arrangement is made. May I suggest you seek a debt management company for assistance with your account.

[renegadeimp]

Hope you are sending all this to the OFT, as they are completely ignoring your requests for a repayment plan you can afford and threatening you with DCA's unless you agree to THEIR plan.

[2009dg]

should I be filling in yet another form or forwarding all their emails to the OFT

[renegadeimp]

You should be able to update your original complaint.

[2009dg]

I want to send OFT my emails but not sure how I'd go about that other than forwarding every one it's own email rather in one large one.

[renegadeimp]

Could always convert them into one PDF file.

[2009dg]

So far I have 11 emails with multiple replies each to send. I was thinking about copying them to a word document.

 

Couldn't they claim they have been edited though

 

think I might just open up an email and copy each into it.

[renegadeimp]

I would save them complete with all header information. This will prove that they havent been edited. They could claim they have been, but they havent yet, so lets not worry about it just yet.

[2009dg]

yep just sent all emails off. now I just need to find their bank details