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    • Hi all   I will dive straight into my scenario.    I have a personal Barclaycard credit card that I defaulted on in first half of 2015.  This debt has been bought out by Hoist in 2019.  I have not made payments since the first half of 2015 to the account. I am pretty sure I have not acknowledged the debt to the DCA that occasionally contacted me since then The six year anniversary of the default will arrive in the first half of 2021. I recently received a 'Letter of Claim' from Howard Cohen Solicitors informing me of Hoists intention to issues proceedings in the County Court for the outstanding amount. The letter states I have 30 days in which to reply.  The letter states that it is written in accordance with the Pre-action Protocol for Debt claims. They have provided a brief summary of the outstanding debt but not the original signed agreement.  My feeling is that the pressure is being ramped up because of the upcoming six year anniversary of the default.   I am not sure whether I should; A). Ignore the letter (if so what are the consequences). B). Stall for a little more time until the six year anniversary of the default arrives, and whether engaging with them too has its own set of consequences. C). Pay too much attention to the six year anniversary of the default  - as I am not sure if a debt becomes automatically statute barred after six years in which I have not acknowledged that debt.    Like many, I have been hit by Covid economically.  I have not worked most of this year.  I am operating at substantial loss with funds fast drying up. The work position doesn't seem to be changing any time soon. I am not claiming benefits or anything.   Any suggestions for plan of action would be gratefully received.   Thank you   Arthur M.                        
    • Hi Manxman, Yes, the contract was signed on-line and I'm relying on s31 of CCR.  I think what you are alluding to is the fact that if the contract started within the first 14days and if it was commenced with the expressed consent of the consumer (on a durable medium such as letter or email not phone call or webforms), then the consumer has to be pay for the portion of the services that was provided. Also, if the service has already been completed (which is not the case here as the service will be completed after 12months from the commencement of the tenancy which never commenced) then, full service fee is payable. In this case, no express consent was given - I have checked all my emails to them so they cannot charge for the portion of the services either i.e. arranging some viewings and finding a prospective tenant. In fact, I offered to pay for the reference check costs but they want it all. There was an implementing guidance on CCR2013 which categorically says that the regulation applies to letting agent's services - I have attached it here. At the end of the day, regulations are regulations and if anything, consumer is recognized as the weaker bargaining party as the contract was created by the business. Please google Robertson vs Swift - case prior to CCR 2013 came in where the supreme court ruled in favour of the consumer and went above and beyond what the regulation said at the time (although it derived some criticism).  bis-13-1368-consumer-contracts-information-cancellation-and-additional-payments-regulations-guidance (1).pdf
    • No I didn't, in 2018 my laptop was unable to download open office.   I have attached the ci sheet from 2017, with all the charges listed up to then.   StatIntSheet v101 Charges V2.xls
    • According to MCOL,the claim was registered as issued on 23 November so that makes it 12 December by my reckoning-I wasn't sure if you counted the 14 days from the 5th day or the day after so I went for the latest possible date.
    • nickpatel - presumably you entered into this contract with the agent off-premises if you were thinking of possibly trying to use s31 of the CCR?   If that is the case then I was under the impression (although I may well be mistaken) that the 14 day cancellation right was lost in the case of a contract for services, if the provision of those services commenced within the 14 day period, which would make whether or not you were informed of the right a moot point as it would no longer apply(?).   In any case, I'm also a bit surprised that a situation could arise where the initial "cancellation period" of a contract for services could be extended to over 12 months.  It seems a bit extreme to me that the 14 day off-premises cancellation provisions would apply here.  But I may be wrong.   I tend to agree with BankFodder that you'd be on firmer ground arguing the amount of the fee claimed (for a full year) is unfair.  But I'm not sure you could get away with arguing that you owe nothing - even though there is no tenancy agreement.  The agent seems to have done what they agreed to do, but you decided to reject the prospective tenant on the grounds that they were not "transparent"(?) because they wanted to view the property for a third time.  I'm not sure a court would find that reasonable on your part and would probably consider that the agent deserves to be paid in some respect for their work in finding that prospective tenant.   I think I'd be trying to settle on a reasonable sum rather than arguing that there was no liability at all.
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Hello, I'm writing to QuickQuid to try and arrange a repayment plan for my loan, however after reading this website for a while I have some questions and I was wondering if someone could read my E-Mail to give any constructive criticism.

 

Why should I E-Mail QuickQuid rather than phone them?

Is it appropriate to call them to make the arrangements and then E-Mail them to confirm?

Is there any law, bill or statute I should quote if they disagree with my plan? Or anything else I should say to assist my request?

 

I am writing to discuss my loan with QuickQuid. The loan numbers are as follows:

#5121301

#4998210

The loan conditions previously in place involved the lending of £400, which was a two part loan with £94.40 to be paid on 24th August 2012, and £518 to be paid today, on the 21st of September.

On the 24th August 2012 I agreed to pay the £94.40 on the 21st September 2012 (Today at time of writing), due to financial difficulties. On this date (24th August 2012) I was assured by a customer service representative that if I called prior to or on the payment due date of the £518 then QuickQuid would further extend this payment by four weeks to the 19th October 2012 in order to meet my financial needs. However, Since this date I have been in an incident of no fault of my own which has resulted in an injury to my wrist and knee, leaving me on sick leave from work. Fortunately my employers sick leave policy enables me to make my full contractual pay (therefor excluding overtime).

With this in mind, I am writing in full to inform you that while the £94.40 can be taken today on the 21st September. However I am financially unable to meet the arrangement of £518 either today, or on my next pay date, the 19th October 2012. In light of this, I have calculated my contractual income against my financial obligations (Rent, Food, Travel etc.) and I have drafted a payment plan. The payment plan involves four payments every four weeks. These payments are the absolute maximum I can afford in my present work state, and I believe they allow me to pay off my debts in a consistent, reasonable and honest manner, where QuickQuid is receiving all funds due to them. The payment plan I have arrived at is listed below:

19th October 2012 - £131.00.

16th November 2012 - 129.00.

14th December 20120 -129.00.

11th January 2013 - 129.00.

If QuickQuid agrees with this payment plan, please respond to this email to confirm the details, and please provide me with QuickQuid's preferred method of payment. I would like QuickQuid to bare in mind I am presently confined to home, and thus I believe the most appropriate course of action is to either set up a standing order with your company or supply me with the bank details of QuickQuid with a reference number, so as I can manually make the payments on the date's they are due.

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Always email as you can keep a record, with regard to making payments NEVER give you bank deails as they will empty your bank account, send the payment via standing order as you control the payments. they will ask for account details stand firm . keep to the dates cheers

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Never phone a Payday lender. They will bully, intimidate and harass you into agreeing with what THEY want, and not what is most beneficial to you.

 

There is no statute law as such, but there is regulatory guidance which they should adhere to, although Quick Quid are notorious for thinking they dont have to.

 

Your letter could do with a few changes, as there is no reason to go into so much detail. QQ do not need that info and will most likely ignore 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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Hi Sturdymo10,

 

First to answer your questions:

Why should I E-Mail QuickQuid rather than phone them? As the two above already stated: 1) So they cannot bully you into paying more than you wanted and 2) to have written proof

 

Is it appropriate to call them to make the arrangements and then E-Mail them to confirm? This would be an option if you are "tough" and confident enough to deal with them over the phone

 

Is there any law, bill or statute I should quote if they disagree with my plan? They will not disagree with your plan as it is over 4 months - they will accept it.

 

Or anything else I should say to assist my request? To the contrary, do not say too much (as renegadeimp already pointed out)

 

 

In your situation the quickest way to arrange a repayment plan with them is over their live chat. Login, state that you are in financial difficulties and chat with them. They will agree to 4 month plan. Take a screenshot/printout as proof (but they will send you an email anyway).

 

You cannot use their UK bank account for repayment, so standing order is not an option. Open a new basic bank account instead where you pay in only the monthly rate two days before due, and then pay with this new bank account via direct debit.

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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Just to note, screenshots/printouts are not considered proof as they can be doctored very easily. What you want to do if you are using live chat, is to DEMAND an email of the conversation while you are on the chat with the rep. If they refuse or make excuses, then tell them that no payments or offers of repayments will be forthcoming until they adhere to what you say.

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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Guest QuickQuidCustomerService
Hello, I'm writing to QuickQuid to try and arrange a repayment plan for my loan, however after reading this website for a while I have some questions and I was wondering if someone could read my E-Mail to give any constructive criticism.

 

Why should I E-Mail QuickQuid rather than phone them?

Is it appropriate to call them to make the arrangements and then E-Mail them to confirm?

Is there any law, bill or statute I should quote if they disagree with my plan? Or anything else I should say to assist my request?

 

Hi, sturdymo10. It was great speaking with you. We hope you are happy with the payment arrangements we were able to work out. If you have any further questions or issues, please contact us via your preferred method of communication and mention this forum and your username. Lastly for your safety, we would like to ask that you avoid posting your personal details, including loan numbers, on this or any public forum. It is meant to protect you from would-be fraudsters. Thanks so much for your cooperation and for being such a great customer. Cheers.

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Now the question remains, did QQ pressure them into agreeing a high repayment rate as usual, and why are QQ and P2P posting from the same place, when theyre meant to be 2 separate companies.

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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  • 2 weeks later...

SturdyMo, do everything in email or writing so you have your proof.

Ive had several problems with them,such as them not crediting my postal order payment to my account. They say that because i sent it to the London address and not the Sheffield address, it takes long longer to proccess as they have to forward the payment on to them. Its already been 15 days and now im panicking as to what to do if they dont credit my account and/ or dont return the postal order.

 

However on live chat with the collections department, due to redundancy I cant pay the amounts they want and so i got it down to 56 a month via direct debit,...but its a different account to my normal one. Took me 2 days to sort it out as the manager was meant to call me back within the hour yesterday, but it didnt happen and so i waited more than 1 hour longer than i shouldve today but u have to keep on at them if you want to get anywhere. I had to keep on their ass to send me a confirmation email of the repayment plan.

 

Also, if you write to them, its unlikely they will respond to you. They are in the USA but operate here so if they tell you you cant repay by Postal Order, ignore it as they wont refuse your payment. They also told me by mailing the payment to Sheffield address, theres nobody there to sign for it so i couldnt have send it by recorded post...basically calling me a liar....but i sent it to their correspondence address in london lol

 

But yeah, so far it seems i have gotten somewhere with them, but I just need to find out my rights about what happens to my postal order ive sent if it isnt credited to my account by November as they are saying there is no record of any received payment on my account. I worry about who i would have to report to if my account isnt credited, how i get my money back etc...xx

They updated my details but i had to chase their ass for confirmation of repayment plan as my account when i log in states they are processing a payment of 345.33 LOL

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SturdyMo, do everything in email or writing so you have your proof.

Ive had several problems with them,such as them not crediting my postal order payment to my account. They say that because i sent it to the London address and not the Sheffield address, it takes long longer to proccess as they have to forward the payment on to them. Its already been 15 days and now im panicking as to what to do if they dont credit my account and/ or dont return the postal order.

 

However on live chat with the collections department, due to redundancy I cant pay the amounts they want and so i got it down to 56 a month via direct debit,...but its a different account to my normal one. Took me 2 days to sort it out as the manager was meant to call me back within the hour yesterday, but it didnt happen and so i waited more than 1 hour longer than i shouldve today but u have to keep on at them if you want to get anywhere. I had to keep on their ass to send me a confirmation email of the repayment plan.

 

Also, if you write to them, its unlikely they will respond to you. They are in the USA but operate here so if they tell you you cant repay by Postal Order, ignore it as they wont refuse your payment. They also told me by mailing the payment to Sheffield address, theres nobody there to sign for it so i couldnt have send it by recorded post...basically calling me a liar....but i sent it to their correspondence address in london lol

 

But yeah, so far it seems i have gotten somewhere with them, but I just need to find out my rights about what happens to my postal order ive sent if it isnt credited to my account by November as they are saying there is no record of any received payment on my account. I worry about who i would have to report to if my account isnt credited, how i get my money back etc...xx

They updated my details but i had to chase their ass for confirmation of repayment plan as my account when i log in states they are processing a payment of 345.33 LOL

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  • 2 months later...
  • 4 weeks later...

From the last letter i wrote to quick quid on the 3rd of Jan it has taken until today to receive a reply to my official complaint, not only has the reply taken over a month to receive but it's just at this stage an apology whilst they review my case further, not much i can say other than quick quid are far from efficient when i comes to dealing with complaints, although a payment plan was arranged with quick quid previously they took the full funds from my account bringing me over my overdraft so that I will incur further charges, their debt maybe paid but my finances are far from resolved.

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If you made a FORMAL complaint, then let them try and stall. They have 8 weeks to resolve your complaint, or you can take it to the FOS. QQ think they operate under US law and think most people dont have knowledge of their basic rights in the UK.

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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  • 1 month later...

Thanks for making me aware that quick quid have 8 weeks to resolve my complaint as they really are milking it, had i not known that's the case i would have thought their just ignoring me, funny how they can get the cash in your account in 10 minutes but take forever to resolve a issue.

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They do that, because a lot of people have no idea of the 8 week time limit and just forget about the complaint. This allows the lender to carry on as they were.

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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