Quidmarket are starting to scare me

[nomes31]

Hi Everyone,

 

I'm new to the payday loan "schemes" and I need some help.

 

I took out a pay day loan with Quid Market on the 8th of November, had to replace my washer and could only afford second hand and didn't want to ask my parents, the money is still in my account. However I was hit in a slight bump with a Renault on the way to work on the 9th, got quite a bad concussion and I was in hospital for about 9 Days. All is well, thankfully.

 

My only problem whilst being in the hospital, my mobile has rang non stop since my payday, I've answered the calls on a few occasions and they've hung up consistently, they are now claiming that i've been dodging my pay day loan.. The fact is I haven't, my dad reported my bank cards missing whilst I was in the hospital, and I ordered new ones just Friday gone. I've come home to 10 (my maximum) voicemails at home, 7 emails at my work email address and a countless amount to my personal emails.

 

I understand they have a right to contact me, yet they were advised by my father and a family friend who answered my mobile that I was in hospital, both times they were laughed at, then asked to pass on a message "regarding my OUTSTANDING account" with them.

 

On Friday I tried to email them within the 14 days to say I didn't want to be part of the agreement anymore and wanted to return the funds and my emails have been sent back automatically.

 

It's not a question about paying back. It's more a question of i've tried to contact them, family members have been met with what i would call a complete disrespect. I tried calling this morning and was huffed at and quite blatantly mistreated.

 

However, i've returned to work today to find out that i've had 7 internal transfers from the main call centre, not only this 2 team leaders have spoken with quid market- whom have made it quite clear who they are and what they are looking for. Not only this one manager tried to explain to them that I was in the hospital and was advised "i don't believe you, why have you had to leave your desk to discuss this?!" I'm told the girl then started laughing at her. I work in a very DPA tight job (mobiles are not allowed on the main floor) personal details about clients/colleagues are extremely confidential: hence why she left the area.

 

So in total i've had 10 voicemail, approximately 30 missed calls, 7 work emails and god knows how many in my personal emails.

I want to know what my rights are when I call them, as I don't feel it's fair that i may incur charges, unfortunately my bank wouldn't allow my dad to order new bank cards for me (dpa) and despite my father and family friend trying to discuss my account with QM they have decided it is far more humiliating to contact my work, on a number and extension on which I did not give them- Surely this has to be illegal?

 

I'm at a complete quivering loss, they're threatening me with court already- which, living in Scotland for £210 would be laughed out of court. However they've broken my DPA rights on more than one occasion, i'd say they are borderline harassing me now. I tried to call the OFT but they're closed by the time I finish work.

 

Sorry i'm rambling, but this is my first experience of a Pay Day Loan company- i wish i'd just sucked it up and asked my Dad.

 

Can anyone help me? Not with regards to setting up a payment plan or anything, but running them through the legal mill. I don't feel my situation warrants this kind of behaviour and to be honest i'm quite scared to call them tomorrow to explain everything again.

 

Thanks

[silverfox1961]

Hi and welcome to CAG. I hope you are getting better.

 

First time I have come across Quid Market but it sounds just like the rest of these legalised loan sharks.

 

Have they said to any of your colleagues what the call was about or did they just say "outstanding account" and did they say it was Quid Market? If they did then anyone could access the internet to find out who they are. If any of your colleagues are prepared to state that this is the case you could include that in any complaint you may wish to start.

 

I would be writing to their head office which is:

 

Stagemount Ltd, Foxhall Business Centre, Foxhall Road, Nottingham, NG7 6LH

 

and mark it for the attention of:

Courtney Vaughan

[nomes31]

Hi

 

Thanks, it's my own fault for not paying attention when crossing the street, lesson learned!! But i'm much better, thank you.

 

The man who called stated he was calling from "quidmarket, regarding my outstanding agreement/account" and that I was to contact them urgently. My boss tried to explain today that it was my first day back, he asked how they had got his number and the man told him " i asked to be put through to her manager, because I wouldn't answer my extension" I had given them my work extension originally but hadn't given them any permission what so ever to contact me on any other number but mine. They also told the same thing to my father and the family friend. Which after i'd come to for a few hours, my father was absolutely livid at me, which was totally humiliating.

 

I was left shaking at work today after they had spoken with my boss, i managed to make up some excuse to him about who it was, he seems to have bought it. But I just know they'll call again tomorrow and I don't have my bank card yet to pay them.

 

If i was to call them and advise that their call was being recorded and explained the situation then, rather than take the apparent abuse, do you think this would help?

 

Thanks again

[silverfox1961]

As I see it (others may disagree) they are in breach of the data protection act as they have stated who they are and the fact they said 'outstanding account' which really means 'debt'.

Ask if anyone will be willing to write a statement regarding calls they have taken and the same for your family.

 

It is very important that you complain to the top and state that all you wanted to do was refund the money within the cooling off period which you are entitled to do only to be met with rude and obstinate 'staff'.

 

DO NOT ring them again. Deal in writing only and either try by email (not recommended) or by recorded delivery (highly recommended). Keep copies of any letter sent and received and if you'must' ring them, record the conversation. You do not need to tell them this of course

[nomes31]

Perfect!!

 

I really didn't want to call them, I have copies of the emails I sent that were auto returned. So I think i'll include these as well. Thanks for your help, think i'll sleep better tonight now.

 

Is there a demonstration letter anywhere?

 

x

[silverfox1961]

Is there a demonstration letter anywhere?

 

Nope!

 

If we did a complaint letter for every situation, this site would be full of letters. Complaints are personal to you and your complaint will be very different to someone else's.

 

What I would do is to keep it as brief as possible making sure you 'bullet point' each part of the complaint. Also put at the end of the letter what you would reasonably expect to resolve the complaint.

 

Before you can take it higher, you have to exhaust the complaints procedure first.