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    • I've inserted their poc re:your.. 1 ..they did send 2 paploc's  3. neither the agreement nor default is mentioned in their 2.        
    • Hi Guys, i read a fair few threads and saw a lot of similar templates being used. i liked this one below and although i could elaborate on certain things (they ignored my CCA and sent 2 PAPs etc etc) , am i right in that at this stage keep it short? If thats the case i cant see what i need to add/change about this one   1)   the defendant entered into a consumer credit act 1974 regulated agreements vanquis under account reference xxxxxxx 2)   The defendant failed to maintain the required payment, arrears began to accrue 3)   The agreement was later assigned to the claimant on 29 September 2017 and notice given to the defendant 4)   Despite repeated requests for payment, the sum of 2247.91 remains due outstanding And the claimant claims a)The said sum of £2247.91 b)The interest pursuant to S 69 county courts act 1984 at the rate of 8% per annum from the date of issue, accruing at a daily rate of £xxxx, but limited to one year,  being £xxxx c)Costs   Defence:   The Defendant contends that the particulars of claim vague and are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   1. The Claimant has not complied with paragraph 3 of the PAPDC ( Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC.   2. The Claimant claims £2247.91 is owed under a regulated consumer credit account under reference xxxxxxx. I do not recall the precise details or agreement and have sought verification from the claimant and the claimants solicitor by way of a CPR 31.14 and section 78 request who are yet to fully comply.   3. Paragraph 2 is denied. I am unable to recall the precise details of the alleged agreement or any default notice served in breach of any defaulted payments. 4. Paragraph 3 is denied.The Defendant contends that no notice of assignment pursuant to s.136 of the Law of Property Act & s.82 A of the CCA1974 has ever been served by the Claimant as alleged or at all.   5. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to:   (a) show how the Defendant has entered into an agreement; and (b) show and evidence any cause of action and service of a Default Notice or termination notice; and © show how the Defendant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   6. After receiving this claim I requested by way of a CPR 31.14 request and a section 78 request for copies of any documents referred to within the Claimants' particulars to establish what the claim is for. To date they have failed to comply to my CPR 31.14 request and also my section 78 request and remain in default with regards to this request.   7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974.   9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.  
    • i understand. Just be aware I am prepared to take some risks 😉
    • Thanks Tnook,   Bear with us while we discuss this behind the scenes - we want you to win just as much as you do but we want to find the right balance between maximising your claim without risking too much in court fees, and in possible court costs awarded to the defendant bank.
    • Tell your son and think on this. He can pay the £160  and have no further worries from them. If he read POFA  Scedule 4 he would find out that if he went to Court and lost which is unlikely on two counts at least [1] they don't do Court and 2] they know they would lose in Court] the most he would be liable to pay them is £100 or whatever the amount on the sign says. He is not liable for the admin charges as that only applies to the driver-perhaps.If he kept his nerve, he would find out that he does not owe them a penny and that applies to the driver as well. But we do need to see the signage at the entrance to the car park and around the car park as well as any T&Cs on the payment meter if there is one. He alone has to work out whether it is worth taking a few photographs to help avoid paying a single penny to these crooks as well as receiving letters threatening him with Court , bailiffs  etc trying to scare him into paying money he does not owe. They know they cannot take him to Court. They know he does not owe them a penny. But they are hoping he does not know so he pays them. If he does decide to pay, tell him to wait as eventually as a last throw of the dice they play Mister Nice Guy and offer a reduction. Great. Whatever he pays them it will be far more than he owes as their original PCN is worthless. Read other threads where our members have been ticketed for not having a permit. [We know so little about the situation that we do not know if he has a permit and forgot to display it. ]
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Renniesa

Please help quick quid refusing to give me their bank account details

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Hi this is my first post

Quick quid are being unhelpful

I want to pay back via bank transfer

They refuse prepaid card refuse standing order

What should I do

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Hello there.

 

You've posted in the forum about CAG itself, so I'll move your thread to the Quick Quid forum where the guys should be able to help. I'll leave a short term redirect here for you.

 

My best, HB


Illegitimi non carborundum

 

 

 

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You write to them and ask again, tell them in no uncertain terms, 'no bank details means no payments'. Also you can add 'your continual refusal to cooperate can only be seen as an attempt to increase the outstanding balance by adding charges and or interest, none of which I will pay'.

 

Don't ever talk to them on the phone unless you can record the call and send letters by recorded delivery so you have proof of your attempts to resolve this.

 

You must take control of this Rennie and not let them dictate to you.

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Thank you but they send generated reply to call

I want to pay back afraid if give bank details they will empty account

I got into this mess but want to pay via bank transfer

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That is what I mean by 'you' taking charge. Tell them in the letter that you will not respond to any phone calls and that all correspondence must be in writing.

 

It matters not that they just send generated responses, that is their problem. Keep all correspondence to and from them. How much is outstanding by the way ?

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£1517

Original loan £1000

They keep adding interest

I want to pay back via 6 payments I feel so embarrassed and shame

To be in this situation

I am addressing my debts and committed to payback but need control

They are so unhelpful

All I want to do is payback via bank transfer on the 2 nd of the month

I'm suffering with mental health problems but am on the road to recovery

Your site is a guiding soothing light for people like me

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Please don't feel embarrassed or ashamed, you really aren't alone in this. These companies just take advantage of your situation, rub their hands in glee and bump up the charges.

 

Are you sure you can afford £252 per month? If that is pushing you to the limit, then make it lower and more affordable. If you have a chequebook, you could send them a cheque each month instead of bank transfer.

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They don't accept personal cheque

Yes I want rid of the debt

I can do overtime to pay

Thank you

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I can see you want rid of the debt, and you are willing to do overtime to make these payments, but that is the weakpoint of it. Say the overtime dries up meaning you fail to send the payment amount you promised. When you make an offer of payment, you should be sure you can continue that agreement without missing a payment, which is why you need to be certain that you can reliably afford that amount.

 

If you say you can make xx payments and then have to miss one, that will give them the upper hand again.

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Th ebig mistake is that you told them it was a prepaid card. They will not accept it because they know they wont be able to keep on debiting 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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Your advice is helpful should I keep asking to pay via bank transfer?

I used the link found on previous post to euro net and sent money to it

Quick quid said they did not give out these bank details and should not use it again

My bank are getting my payment back from cash euro net as quick quid said it is not there details to QQ

I just want their account details to pay back via standing order or transfer

A bankers cheque is £15 a postal order £12

I don't know what else to do

I just want to pay it back

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You could get the prepaid card and tell them you are willing to pay using that. DOnt tell them its a prepaid card, and if they refuse to accept it, remind them of their legal obligations under their credit licence. Specifically no creditor in the UK is allowed to refuse a form of legal tender towards a debt.


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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They won't want you to have their account details as it probably isn't a UK bank! even if they did accept cheques, you should never send one as your sort code and account number are on them and they could use those details to set up a direct debit to raid your account.


Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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They do have a UK bank ell-enn, however they only use it to send out money to UK "clients". They dont check it for incoming amounts. It's basically just a redirection account. They send money from the US to the UK bank, then the UK account sends it to you. The excessive "loan transfer fee" that they charge all people who borrow from them is the banks international transfer fee, plus a nice profit on top for QQ.

 

As everyone knows, it doesnt cost them a single penny to transfer money from a UK account to another Uk 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

I tried to pay my debt with a prepaid card today

They refused to accept it said it came up on their system as a credit card

I asked for their bank details they refused and refused a direct bank transfer

I don't know what I should do now dare not allow them

Direct debit details in case empty my account

I have finally taken control of my debts

But QQ refuse to allow me to pay today

The first instalment

Totally tired with trying to pay

What do I do now please

Emails waste of time just get standard reply

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remind them of their obligations under OFT guidance on debt collection where they are NOT allowed to refuse a valid form of legal tender.

 

I still find it funny they said you cant use a prepaid card, and dont give a reason ( we all know why though), then now they say its a credit card....


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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Send them a postal order with the amount you can afford and enclose a letter saying that as you refuse to give me any other means by which to pay you, all payments will be done by Postal Order. The fee for the Postal Orders and postage costs 'will' be deducted from the outstanding balance. Send it by recorded delivery.

  • Haha 1

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Thats actually a very good idea conniff!


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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Don't forget to put your name and address on the back of the postal order. Take a photocopy of both the front and back of the postal order and keep it with a copy of the letter you send. Do this each time you send one so you have proof of payments.


Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Thank you so much postal order ace idea !!

I will try that

Thank you all for helping me gain peace of mind today .

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PS Postal Orders need to go to their payment address in Sheffield. DONT send it to their correspondence address in London as i found out the hard way i sent it to the wrong address and it took bang on 8 weeks for it to be credited to my account

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Standing Order Details for QQ:

 

CASHEURONETUK

Sort code:20-19-90,

Account number: 03759830

 

Reference: Your loan reference number....

 

 

Looks like a Barclays Bank.

 

I ve used these details quite alot.

 

Once you make a payment, allow a few working days for them to update their systems and then get confirmation that have received the payment.

If you wanted to test it however, just send 1p or 2p and try it...thats what i did as i wasnt sure if these were real but they are, i promise x

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Standing Order Details for QQ:

 

CASHEURONETUK

Sort code:20-19-90,

Account number: 03759830

 

Reference: Your loan reference number....

 

 

Looks like a Barclays Bank.

 

I ve used these details quite alot.

 

Once you make a payment, allow a few working days for them to update their systems and then get confirmation that have received the payment.

If you wanted to test it however, just send 1p or 2p and try it...thats what i did as i wasnt sure if these were real but they are, i promise x

?

 

Is this definitely there bank details?

 

Is this legit

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 2454 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you
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