No other choice

[wagwag]

Hi everyone, back again but with a quick query....

Long story short, I took a loan out from QuickQuid god knows how long ago, got caught in the payday loan spiral when I was paying out more in loans every month. My circumstances have changed and as soon as this happened I made the lenders aware. All of which agreed to payments which I could afford reasonably apart from QuickQuid. Near on 70 emails later and I'm still being bullied into agreeing to repayments I can't afford. Admittedly in a moment of weakness I agreed, I was afraid of what might come if I didn't, so really I've made a real mess of this. My health is suffering from the worry, I panic when the door or phone goes, I really feel that my only choice is to be passed on to a dca. I've already incurred a default and it's inevitable I'm going to get another... Any words of advice would be greatly appreciated. I am at my wits end

[renegadeimp]

Why are you panicking when the phone of door goes? if they call at your house, tell them in whatever way you want to get lost. If they phone say the same. If they keep phoning then send them the telephone harassment letter from this sites library.

 

If you have proof of those emails then contact the OFT and FOS as its obvious they are refusing to cooperate so they can pile on charges.

[wagwag]

I've collated everything that's gone between myself and them, and am in the process of filling out an oft investigation form thing. I'm getting letters and emails left right and centre threatening this action that action. I guess it's just bogging me down I know deep down they're idol threats and no one is going to turn up- they have no right to as it stands. My biggest worry is waiting for them to pass it on, I've already had an extremely obvious letter through which my house mates have seen, I'm fairly sure that counts as harassment by embarrassing you in front of others.

[renegadeimp]

Yep. It is. Get all the evidence you can and send it on. Then write a stern letter to the pdl stating that due to them refusing to negotiate and their ongoing harassment, the oft and fos has now been informed.

 

Think about contacting ofcom as well in regards to the phonecalls.

[wagwag]

Okay will do, think I've just got to pull myself together and get ready for the onslaught of fun and games from whichever delightful dca qq chooses. I've played ball long enough, only so long I'm gonna wave money at them.

Thanks for your help

[wagwag]

Okay will do, think I've just got to pull myself together and get ready for the onslaught of fun and games from whichever delightful dca qq chooses. I've played ball long enough, only so long I'm gonna wave money at them.

Thanks for your help

 

So final push to negotiate, basically being told to default AGAIN! Following a rather lengthy email from me I received this in return...

Dear *****************

 

Thank you for contacting QuickQuid. We have received your email and have notated your account. However until your payment is actually returned, we are unable to set up an acceptable agreed payment arrangement. Once your payment is returned, you may contact us and set up another acceptable agreed payment arrangement.

 

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

 

 

Falling on deaf ears again I feel... I just don't want another blatant letter turning up causing more embarrassment. I can deal with these jokers but don't feel that my business should be so obvious to others

 

Any idea???