Wonga/Quickquid/PDUK - Seeking Advice!

[glb92]

Hello everyone,

 

After reading similar threads, I thought I'd post one of my own.

 

I currently have three pending payday loans;

 

Wonga: £839.98 (£650.00 + £172.78 Interest + £16.50 Transmission fee)

Quickquid: £487.91 (£237.76 + extended £250.15 including interest)

PDUK: £187.50 (£150 + £37.50 interest)

 

I have used these companies more than once, and I always pay back in full every time. However due to job loss in my household it is now my responsibility to pick up the bills, food etc. So it is simply not possible for me to pay these in full tommorow (the due date) or in the forseeable future.

 

I have not taken any chances,as my bills need to be paid and my family fed, so I have cancelled my card and direct debits, opened an entirely new bank account for my wages to go in and emailed each lender to let them know about my situation. I have made it clear that I intend to pay back the loan in full, plus one months interest.

 

PDUK were first to reply, and asked me to fill out theirincome and expenditure form, which I did. However they have emailed me back with the offer of a deferral and to pay the loan back in full next month. Clearly they did not take my income and expenditure form into consideration, as it shows after all expendisures I am left with £58. I have emailed back to thank them for the offer, but that I must decline as I wil not be able to pay the loan in full next month and referred them again to the income and expenditure form. I have voiced that I am very keen to set up a repayment plan and I am now awaiting their next reply. Can anybody offer some advice on how to deal with these people? They really seem to be dragging their feet.

 

Quickquid and Wonga were next to reply, they both refused to set up pre-default plans and advised me to call their collections departments on the day of collection.

 

Any advice with how to deal with these companies over the phone would be much appreciated. I would like all correspondance to be in email form, but I have a feeling they may make things difficult for me when I call them tomorrow. I would also like advice on how to send these companies their repayments, if or when they agree to a repayment schedule.

 

Thank you

 

Gemma x

[Bombaymix]

First bit of advice.... Don't call them tomorrow! Stick to your guns. Email and writing only!

 

Keep a paper trail of everything.

 

Other than that, you've done everything perfectly. The single most important thing is the new bank account... And you're there already.

 

Beware, they will phone you tomorrow. Answer the call and tell them 'refer to my emails, in writing in future only'. Fire off a telephone harassment letter to each company and hopefully they'll adhere.

 

Let us know how you get on. You've done everything right so far

[renegadeimp]

Wong should be ok to deal with once your account is in default. Just don't let them charge you any fees because its their fault you had to wait to default the loan.

 

As for QQ.... Be prepared for a rough ride with them.

[glb92]

Thank you both for your advice.

 

Bombaymix - How would a telephone harassment letter go? do you know of any templates?

 

Renegadeimp - I'll make sure I'm in battle mode for my conversation with Quickquid then! Thank you for the heads up.

 

Gemma x

[Guest QuickQuidCustomerService]

Hi Gemma,

 

We try to help all QuickQuid customers who are having troubles repaying their loan. I can't offer you any additional advice about the process at this time because QuickQuid assesses each situation individually and handles the repayment process on a case-by-case basis. Many people would advise you to handle this strictly through email, but I would encourage you to call first and speak to a representative about all the options you have available to you based on your individual account so they can explain it to you in detail you can make an educated decision on what's best for you. You can then send a follow-up email after the call with your decision. Just as a general FYI, if you do decide to make a decision over the phone, we also send you a confirmation email detailing the agreement for your records as well. I hope this helped a bit. Good luck and we look forward to working with you to get your situation sorted.

 

QuickQuid Customer Service

[renegadeimp]

We advise people to email or write because you are well known for saying anything over the phone and then doing a 180, debiting the debtors account for whatever you feel like, then saying nothing was agreed to. We have plenty of reports of it happening. Negotiating by email or written correspondance gives debtors a full paper trail. . You are also well known for being one of the worst PDL's to deal with.

 

 

Edit: also

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?337641-Quick-Quid-amp-Pounds-Till-Payday&p=3727899&viewfull=1#post3727899

[Bombaymix]

Hats off to QQ customer service rep replying. It's a shame you weren't around when I had my own problems with QQ. Your company almost caused me to have a nervous breakdown with your constant harassment and unwillingness to treat me with the respect and dignity I deserved in my hour of need.

 

Again, benefit of the doubt though. This was a couple of years ago. Maybe your phone drones have undergone some extensive training and hopefully no longer phone people's workplaces after polite requests to stop (yellow post it notes saying 'Bombaymix call QQ - they've rang 3 times for you today' will haunt me forever)

 

To the op. I'm sorry, I'm posting on iPhone and struggle to find template links. I know there are letters in the library at the top of the page. Failing that, simply do a google search of 'telephone harassment letter templates' and you'll get loads of results. Post them recorded delivery (just in case the company's 'lose them')

 

The golden rule here is NOT to speak to PDLs on the phone and to deal with it in writing only. I don't see why the PDL company's (if conducting their business in a transparent and fair manner) discourage this way of communication. Surely a paper trail for both parties is the best option?

 

Keep us updated.

 

Kind regards

 

BM

[renegadeimp]

Its not a rep. Its a "bot". Meaning that now and again, a rep will visit the site, throw out a few copy and paste replies then run off. Check the post history for proof.

[Bombaymix]

Ok, I assumed that because they'd inserted the ops first name that somebody had read the post, got pee'ed off with us for encouraging the op to deal with the PDLs in writing only and replied personally with a semi scripted response lol.

[Guest QuickQuidCustomerService]

Its not a rep. Its a "bot". Meaning that now and again, a rep will visit the site, throw out a few copy and paste replies then run off. Check the post history for proof.

 

Hi renegadeimp,

 

I can assure you that I am a real person and these are not copy and paste replies. I do personally read each post and respond to each individual. I'm continuing to follow this post (as you can see). We do our best to monitor many of these forums and boards around the web. Hope this cleared things up. I try to do my best to respond to all posts and I come across on CAG.

[londonlady30]

I'm in the exact same situation as you Gemma, owing Quick Quid, Wonga and Swift Sterling, from reading these forums this evening it seems like the best thing to do is to set up repayment plans ASAP, I've been rolling over loans for months and really need to stop. Did you open your new bank account with the same bank? I'm dreading the thought of receiving calls from these companies at work...I'm wondering if its best to pay off the Quick Quid loan to avoid harassment and set up repayment plans with Wonga as they seem reasonable...and hopefully Swift Sterling Does anyone have any experience with them? If I start communication via email and my mobile are they less likely to call at work? Thanks, Michelle

[renegadeimp]

Ok. I apologise for my previous comment. However, the one i made before still stands. Your company is one of the worst CAG members have dealt with and still is. However, maybe you are starting to respond like a reputable company now due to the new "charter" that is coming into existence soon. OR maybe its because you don't have a real office in the UK, but use a mail forwarding centre instead. Who knows.

 

The simple fact that you are telling people to call is proof enough you still dont understand peoples legal rights. Especially when we have had dozens of reports of debtors being verbally abused down the phone amongst other things. So many reports infact, there is a whole sub forum dedicated to your little outfit.

[Bombaymix]

Londonlady! Hi Michelle

 

Might be an idea to start your own thread. Sometimes they get lost amongst a sea of other posts. You'll get more views and replies on your own thread xx

[renegadeimp]

Londonlady! Hi Michelle

 

Might be an idea to start your own thread. Sometimes they get lost amongst a sea of other posts. You'll get more views and replies on your own thread xx

 

Very good idea!

[londonlady30]

Thanks both, will do:-)

[asmilecostsnothing]

Hi renegadeimp,

 

I can assure you that I am a real person and these are not copy and paste replies. I do personally read each post and respond to each individual. I'm continuing to follow this post (as you can see). We do our best to monitor many of these forums and boards around the web. Hope this cleared things up. I try to do my best to respond to all posts and I come across on CAG.

 

Real pity, you don't follow all posts isn't it...

 

Cannot agree more with renegadeimp, your posting history speaks volumes oh and the choosing to offer one person a 4 month plan and, the next a 12 month one, (not very fair so don't expect a "fair" name) sometimes you'll charge a default fee, sometimes not at all, that is why there is so much ill feeling and tension on sites like this

 

I also find it interesting how you have choosen to pick this one thread compared to plenty of others out that have been stuggling with QQ weeks or months...

[asmilecostsnothing]

OP

 

You mention about PDUK...

Have you actually heard back from 'Customer Relations department'? (this is the department you need)

you may have to raise a complant (make it known write official complaint clearly on letter/email) to be heard because I'd bet your dealing with one of the loan processing droons who will say *anything*

Edited June 26, 2012 by asmilecostsnothing
.

[Bombaymix]

Just a real quick hijack to say

 

asmilecostsnothing!!!! Well hello! It's been a while lol. Good to see you back and hope you're all sorted now!

[glb92]

Hi LondonLady I opened a new bank account with a bank that wasn't in the same group as I didn't want them anywhere near my money and this morning when I checked my wage was safe

 

The phone calls have already started from PDUK, I have previously advised them not to call me at work (when they called me at work to offer an extension), so if they do call me at work i will be furious. However I forwarded my desk phone to voicemail yesterday in case they tried it

 

asmilecostsnothing - thanks for that information! i have been dealing with account services and they have been less than helpful - asking me to fill in an expenditure form, only to offer me an extension?! Any idea where I can find the correct address?

 

Wonga and quickquid are strangely quiet this morning... I'll let you all know the outcome of my phone calls with them.

 

Gemma x

[asmilecostsnothing]

aaahhh glb92, you need this address

[email protected]

 

Customer Relations Dept

PO Box 255

Bicester Oxford

OX26 4ZY

 

Keep chipping away, you've done the right thing and got the right mind frame, I found as soon the complaint went in all phonecalls ceased and they were quite quick to write back

if it means anything I've been dealing with them nearly a year so they do, do long term plans

my only advice is don't go short to pay of large sums to any of the companies to be free quicker - I did and it has kind of backfired - don't let it be you x

 

 

Big Hello Bombaymix !! :-) Are we both now rid of Payday Express !!!!

Edited June 26, 2012 by asmilecostsnothing
.

[glb92]

asmilecostsnothing - Thank you for that address I have received emails today from Wonga and PDUK to say that I have failed to repay, I have forwarded this email to their collections departments, quoting all previous correspondence within the email and requesting a repayment plan. I'm aiming for a 4 month repayment plan with PDUK (roughly £47 pm) and a 12 (roughly £70pm) or 18 month (Roughly £47pm) repayment plan with Wonga... I know I'm pushing it there but I've got to try

 

I've not heard a peep from QuickQuid... Should I get in there first with an email, or wait for them to contact me?

 

Gemma x

[renegadeimp]

I would send them a quick email letting them know my situation. If anything it covers your back.

[glb92]

I emailed all three companies letting them know of my situation 2 weeks ago, I think I'll send another to quickquid to say that I'm aware that I have defaulted and now I would like to get the all rolling with regards to a repayment plan. I'm hoping that as long as I'm reasonable with them, they will be reasonable with me! I'm going to try for a 12 month plan, 10 months being the very least I will accept

 

Gemma x

[glb92]

Email from PDUK

 

 

"Dear Gemma,

 

Thank you for your email.

 

The only arrangement I am able to offer you is to split your balance over a two month period which would be £93.75 a month.

 

However once you enter into a payment arrangement this can make it difficult if you are wanting to reloan in the future.

 

Until a payment has been received your account is not on hold and payments can be tried at any time.

 

Kind Regards,

 

Stacey

 

Collections

 

PaydayUK,

PO Box 255,

Bicester,

Oxfordshire,OX26 4ZY

Telephone : 0800 280 2666

Fax: 0845 127 4365"

 

I have referred her to my Income and Expenditure form twice, which shows that I don't have £93.75 to pay PDUK!

 

Best way to word my response? I'm getting ratty and I can think of a few choice words for Stacey in collections!

 

Gemma x

[renegadeimp]

Get that letter to the oft as they are breaking guidance regulation. Also have a read of the oft guidance on debt collection and refer the pdl to it. Link is in my Sig.