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I had some trouble repaying 1000 back to QuickQuid and so i contacted them after having to extend the loan twice, and paying 200 finance charge each time i extended, and they said they would otake me into a repayment plan over three months at 333 which at the time i accepted cos it was less than 1000.

 

The first installment is due on 28th September 2012,in which i will be paid from work but i just cant afford to pay 333 as i owe 265 to wonga also. I have deleted the direct debit to them and checked my bank account to check if they have ever re-instated the DD which they havent up to now

Once i deleted the DD i received an email saying my DD had been cancelled and I need to contact them as a payment method is required and if i wanted to pay by Automatic Card Payment rather than DD then they need me to authorise that and give them my card details. i just ignored the email..

Not long ago, I spoke via LiveChat on QQ website, and they told me they cant accept a lower repayment as im already entered into one, and to call their collections department on the 29th as the loan will be in default.

 

Can they still take the money from my bank even though theres no DD and i havent given them any authorisation? The reason i ask is because if they do, it means i will be unable to pay my council tax direct debit which is meant to leave my account on monday 1st october.

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You need to tell your bank to block all payments to them and cancel the CPA on your account. A DD can be reinstated anytime by the creditor unless the creditor cancels it.

 

You MUST do this in writing and hand it in to your nearest branch. get them to photocopy it and stamp the photocopy as a receipt.

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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http://www.consumeractiongroup.co.uk/forum/showthread.php?336569-How-to-remove-a-lender-s-continuous-payment-authority

 

Its a bank thing that the lenders use to exploit and get money from you. Its not well known so most people dont know how to stop it.

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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As soon as you give the instruction, if any money is taken out, they must, by law, put it back.

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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How about this?

 

I am writing regarding the above account, to request with immediate effect to remove the Continuous Payment Authorisation (CPA) between QuickQuid and myself. .This instruction began on 20th September 2012 and no further payments should be sent to QuickQuid

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Theres an example in the thread that i linked. Have a good read of it, because most banks will try and tell you no. However, they are breaking the law if they do say that. You need to be prepared to fight them if necessary which is why i advise reading that thread.

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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OK so i saved the FSA you attached to my pen drive to print tomorrow, aswell as a letter to unauthorise QuickQuid and also took a copy of how to remove a CPA if they fight me i will have the proof in my hands.

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Just dont give in, because as i said, some bank clerks/managers will stand there and swear blind they are right. Even though you have a copy of what the law says in your hands.

 

All you need to do really is to get a stamped photocopy of the instruction as a receipt. Then if they let the money out, they have to put it back or theyre in big trouble.

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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Stay there till they do. You'll have the law in your hands in regards to the FSA leaflet. Dont let the bank tell you no, because they are breaking the law if they do.

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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Iam writing reguarding the above account to request, with immediate effect, toremove the Continuous Payment Authorisation (CPA ) with QuickQuid in accordance withRegulation 55 of The Payment Services Regulations 2009

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I am writingreguarding the above account to request, with immediate effect, to remove theContinuous Payment Authorisation (CPA ) with QuickQuid in accordance with Regulation 55 of The Payment Services Regulations2009 as I do not consent, orauthorise any further payments from today onwards to Quickquid.

Better??

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Ok so i went to Halifax this morning, got there 9.30am spoke to a Bank Manager called Baz.

 

Informed him that i wanted to remove the CPA from QuickQuid to my account when he told me that you can only do it from the creditor side, and not the bank side. In which i produced the fsa and had highlighted the relevant areas... he took a minute to read it, and couldnt say much afterwards since he couldnt fob me off as i had done the research.

 

He advised me that from his side, he can only cancel my card where quickquid take the payment from, and replace it with a new card which will arrive in 5 working days and so quickquid will not be able to take any money from me.

 

I then produced my letter of Instruction. This is what i wrote,

 

' I am writing reguarding the above account to Instruct Halifax, with immediate effect, to remove the Continuous Payment Authorisations (CPA) with Quickquid in accordance with Regulation 55 of the Payment Servicees 2009 as i do not consent to, or authorise any further payments from today onwards to QuickQuid.

 

With reference to the FSA FOS OFT( obv i wrote them out fully ) and the Citizens advice buerau, should Halifax fail to adhere to my instructiono, Halifax would be breaking the law and i will make a formal complain and withdraw my custom.

 

Yours Faithfully,'

 

 

This Baz dude took my letter, and i kept the other and he stamped both letters, signed and out his name and id number on there too...

 

how did i do?

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You did perfect.

 

 

From this moment on, should they allow ANY money to come out to those muppets, you are guaranteed a full refund of all money, and any bank charges incurred.

 

 

Good job on standing your ground.

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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Thankyou.

 

Im glad i got that manager. It seems that he had been the manager for some years as he knew what i was on about straight away lol cos when i was chatting i used CPA instead of continuous payment authority and FSA etc... and since he read the FSA booklet, he couldnt say much cos he knows im in the right lol. He told me hes sending the letter to their proccessing unit so i will get an answer from Halifax anyway.

 

In terms of QQ, i will wait til my loan defaults on 29th September. I shall then send a letter, via recorded delivery or special to arrive on 30th, to QQ offering a repayment that i can afford. The way i see it, i dont think they can do anything if i make regular payments, no matter how small. I heard that if im making regular payments to them, the debt collectors wont bother taking the case from QuickQuid, dont know if its right, but Whether they accept it or not, i will just send them postal orders for 50 a month until its paid obviously keeping proof of everything, i will even photocopy the postal order just in case because you cant be too sure.

 

 

Renegade Thankyou so much for the advice. I wouldnt have known about anything if you hadnt have informed me. I feel relieved in a way but will feel much more relieved when i get my new card.

 

Abby xxx

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make sure the CPA is cancelled as well. PDL's are very very sneaky to get that attached to the account, as many bank staff are unaware of it, as are a lot of account holders.

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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All you need to do is give them the instruction to cancel/block any payments to the creditor and merchants, and also to cancel the CPA's attached to your account. Take it to your nearest branch and get the manager there to photocopy it, then sign and stamp both copies. They keep the original, you keep the copy. Then if any money comes out of your account to them, the bank MUST, by law, put the money back into the account and refund any charges accrued on your account.

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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Hi abby,

 

Quickquid is not using CPA anyway...

 

I have several suggestions:

 

1) I do not know if the Wonga payment due is a full repayment or already a payment plan. If full, arrange a repayment plan with Wonga as well (they do up to over 18 months).

 

2) Quickquid will add 12 GBP to your account, but otherwise will stay quite calm. I would move the payment plan out therefore (i.e. start repaying one month later than agreed). Once you did then 2 of the 3 instalments they will agree to repay the last instalment in six further instalments

24/7 Moneybox: 195.00 - Oustanding: 0.00

British Pearl/Spondoolies: 752.10 - Oustanding: 0.00

Cash on go/Peachy: 206.30 - Oustanding: 0.00

EarlyPayday: 325.00 - Oustanding: 0.00

Lending Stream: 1398.46 - Oustanding: 0.00

MicroLend: 780.00 - Oustanding: 0.00

Minicredit: 520.00 - Oustanding: 0.00

MonthEndMoney/PaydayUK: 937.50 - Oustanding: 0.00

MrLender: 715.00 - Oustanding: 0.00

Pounds2Pocket: 2328.00 - Oustanding: 0.00

QuickQuid: 1800.00 - Oustanding: 0.00

SafeLoans: 450.50 - Oustanding: 0.00

Speed-E-Loans: 516.00 - Oustanding: 0.00

SwiftSterling: 1295.00 - Oustanding: 0.00

Toothfairy Finance: 544.00 - Oustanding: 0.00

TxtLoan: 450.00 - Oustanding: 0.00

WageDayAdvance: 670.80 - Oustanding: 0.00

Wonga: 1336.86 - Oustanding: 0.00

Total: 15220.52 - Oustanding: 0.00

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