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    • Beware using the word "mitigating". That is only if you're admitting it and asking them to be lenient because x,y,z or whatever.   You are not admitting it so there can't be anything to mitigate something you didn't do.
    • pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked  you DO NOT file a defence at this time  click thru to the end  confirm and exit MCOL. . .  get a CCA Request running to the claimant https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/  leave the £1PO blank and uncrossed . .  get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant] . . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . . type your name ONLY no need to sign anything . you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]  
    • Could you perhaps use the quote button so as to minimise confusion?  It's difficult to distinguish between what you quote and what you are saying.  (Actually it is quite easy to tell the difference).
    • Name Of Claimant - Lowell   Date of Claim - 11th nov 2019   What is the claim for – the reason they have issued the claim? 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   What is the total value of the claim? £2247.91   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? No I received the PAP twice?   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? NO   Did you inform the claimant of your change of address? NA Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? CREDIT CARD   When did you enter into the original agreement before or after April 2007 ? NO   Do you recall how you entered into the agreement...On line /In branch/By post ? BY PHONE/POST   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? YES   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DEBT HAS BEEN PASSED TO LOWELLS   Were you aware the account had been assigned – did you receive a Notice of Assignment? I CANNOT RECALL   Did you receive a Default Notice from the original creditor? I BELIEVE SO YES   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? NO   Why did you cease payments? LOST MY JOB AND COULDN’T AFFORD PAYMENT/INTERESTS   What was the date of your last payment? APPROX JAN 2015   Was there a dispute with the original creditor that remains unresolved? I asked for the CCA and they sent me a computer printed balance statement   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? I believe I contacted them explaining I had lost my job and for a holiday period which they refused. Although I cannot recall 100%   Just to sum up what has happened through this thread: -       defaulted around May 2015 -       2017 lowells got involved, asked for my CCA from OC and SAR. Vanquis, no acknowledgement of the dsar/ sar, they have however sent me their terms and conditons, fact sheets, along with 2 computer print outs of my details. I think they were considering it the CCA. -       lowells sent pap, replied, they sent again, replied again -       Court claim    
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Renniesa

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

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2437 days.

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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 2437 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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