Jump to content


  • Tweets

  • Posts

    • This is on behalf of my brother in law, a plumber.    He is currently taking his ex employer to tribunal (after they reduced his wages without telling him, and change of contract over hours). As such he left the company and started working privately.   His ex-employer found out that he was using the same plumbers merchants as them and somehow persuaded them to provide them with copies of his invoices (that he has made himself since leaving). We assume they were trying to find evidence that he was 'stealing customers'.  He only found this out after the ex-employees solicitors sent a photo of these invoices to him as part of the bundle! (they took a photograph of the invoices on the plumbing merchants desk (the photo itself also had the date and time on it!)   I am automatically assuming that the plumbers merchant in question is in breach of the data protection act,  I am also assuming, but would like clarity that the ex-employer is also in breach, not sure if the solicitor is also as they were not aware of how it was obtained, although it has since been pointed out to them.  I should also add that I am not 100% sure if the customers details were on the invoice ( as they would have been delivered to their location).   It should also be noted that he also requested a Subject Access Request (in order help track his time sheets for the last year (they were not given duplicates)| and to find out how/ who  authorised the change to his salary).  The Ex-employer stated he was  unable to supply this in the standard time period and also missed the extended three month period, and I believe a complaint was made under GDPR about this, don't think anything was done though).   Any thoughts on this.  
    • Ok my managers know of my asthma. Though never had an asthma attack at work like that. Asthma has got worse - probably had covid a few days before 1st lockdown. No test centres for 40 plus miles at the time.    I have messaged my union rep - also an employee at the store. She is going to put this as a incident and look at any risk assessments done. Plus asked for colleagues that witnessed/helped me during the attack to get their side of the story. As  I was in shock and not fully understanding what was going on.   The refit has been a bit of a shambles imo. No clear plans so literally some rooms needed to be emptied immediately when contractors were told they are there to do the floor, paint the walls etc.  We were told to empty lockers. Then they were taken away with no replacement. Staff not happy with leaving personal stuff in offices. 
    • The country's inability to export its grain has led to food prices rising around the world.View the full article
    • Lots of uncertainties about whether to contact Horizon for an sar or Tesco.    My suggestion to contact Tesco was after finding out if the original PCN was non compliant.  Most of the ones I have checked in the past have been for several different reasons. That means that the liability for the alleged debt cannot be transferred to the keeper.   Once it is confirmed that the PCN is non compliant the OP can write to Tesco as the keeper pointing out that as the keeper he has no responsibility for the debt and has been denied the facility of appealing to POPLA because of the NTK not being received  at all. POPLA may well have cancelled on appeal because of no keeper liability.    In addition  the stoppage in the car park was for less than the consideration period. The keeper could then add if it was true, that the driver was an infrequent patron of this particular car park and the keeper will ensure that a similar occurrence does not happen in the future.   One could point out that if the camera operator had thought that they had not observed any children in the car, from the Court's point of view they would have expected the operator to have attempted to mitigate the situation by explaining to the driver that they should either move the car to avoid a ticket or explain where the children were [ref. Jopson v Homeguard].   Then perhaps it could have  been explained that the wife and children were dropped off at the entrance or the children and their mother were already in the store and the driver was there to collect them.   [They should also have issued a windscreen ticket since they were in the vicinity but of course that would have meant that they would have had to wait several weeks longer to be paid. It is a practice frowned upon but overused by greedy  car parking companies].   The above paragraph obviates the need to  admit parking wrongly and suggesting possible  reasons for parking there without admitting that either scenario actually happened.      
    • Hey everyone I rented some rackspace from a company on a month to month contract but the customer support has been quite poor of late, my services went offline a few times and they advised my servers had gone over the allowed power limit on my account and required an upgrade which I agreed to but I had enough of the reply times taking hours, never any answer on the phones when I needed support I requested to cancel my services on the renewal date, they advise in their terms of service that if there is a open invoice this must be paid before they will allow collection of your hardware and if not paid within a set time the hardware becomes theirs and can be sold off, reused by them ect I have noticed in their terms of service that it does not state at any point the amount of time before the due date the new invoice will be created which I feel should be a important part of any contract on a monthly billing they will pre advise you of the amount of time before the payment is due when they will invoice you   I was also meant to receive IPv6 addresses as part of my package but never had these although I had requested these many times they advised they were not available but are mentioned as part of my overall package on my invoices     They are asking for nearly £700 payment before they will even discuss allowing anyone to collect my hardware (worth about £5000 in total) and if I do not pay this within a set time they will take ownership of all my servers and use or sell them   Thanks   Update I had advised them I will be hiring a man and van service to collect my hardware, they have suddenly advised that I cannot do this and must use a certain type of company who specialist in server transport. I do not feel this is fair as it is my hardware, fully owned and paid for my me but start trying to set out new rules that have never been made aware of until today after making my request to cancel.  
  • Our picks

Quik Quid Help please!


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3166 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

OK I have decided to negotiate payments with this company as we simply cannot afford the 3 loans we have (Wonga QQ and P2P).

 

In June I negotiated a repayment plan of 4 x £91.12; however, as I said we cant afford this. Since I missed payment I emailed them explaining situation asking not to phone and to write only, offering a £20 per month repayment for the next 6 months. Nothing was received except emails notifying me of overdue payments.

 

In the meantime I posted an I&E sheet with offer of repayment.

 

5th August email received saying "sorry to hear experiencing financial difficulties" and that I am "able to make payments of any amount at any time, however that does not set a payment plan arrangement. Collection activity will continue per your contractual agreement."

 

The same day i received an email asking me to contact via live chat as "procedures will continue until an acceptable payment arrangement is made"

8th August - letter of overdue payment

19 August - letter of overdue payment

22 August - letter of overdue payment

27 August - letter of overdue payment

 

30th August - "Please be advised we have not received your debt management details nor your income and expenditure form. Please forward this so we may better assist you"

 

Then today received:

 

"This email is to remind you of your severely overdue loan with QuickQuid.

 

Payment on this loan needs to be made immediately.

 

If we do not receive a response, we will take that as a refusal to pay and will take appropriate collections measures which include, but are not limited to, the use of a third party collections agency.

 

We value you as a customer and would like to help you resolve this matter.

 

Currently, your balance is £194.24 and FULL PAYMENT MUST BE MADE IMMEDIATELY as your account is over 60 days past due.

 

Please understand that this message is very urgent and requires immediate attention. Please contact us immediately to resolve this matter.

 

We have already sent you in the post a statutory default notice and Office of Fair Trade leaflet as required by the Consumer Credit Act 1974."

 

Any suggestions how to proceed?

Link to post
Share on other sites

Blatant breach of oft guidance imo

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

Link to post
Share on other sites

I replied to them on the 14th August attaching an I&E sheet AGAIN plus a formal letter (from here) making a formal complaint against the company asking them to freeze interest and charges on my account - so its taken them 2 weeks to send that!

Link to post
Share on other sites

Hi Megan99,

 

Continue to send quick quid repayment plan offers, they will accept at some stage and they do repayment plans over more than 4 months.

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

Link to post
Share on other sites

They have no choice. They cant demand a plan according to their own policies

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

Link to post
Share on other sites

OK so this is the email I received from them Thursday..

 

"Thank you for contacting Quick Quid. The document you sent to us, the letter explaining your situation, is not the documentation suitable to assist you with setting up a payment arrangement.

 

If your desire is to go through a debt management company, we will require the name of the company, contact person/phone number and reference number be provided to us.

 

If your wish is for us to setup a payment arrangement based on your current financial situation, we will require a personal financial statement be provided to us.

 

I have placed your account into the hardship status. You have 7 days to get this information back to us once it has been presented to you."

 

Saturday I received a letter saying FINAL NOTICE - IMPENDING ACCOUNT SALE

"Despite repeated requests for payment, you still owe £103.12.

As a result, documents are being prepared for the sale of your accoutn to a specialised 3rd part collections agency. This transfer may take place on 23rd Spetmeber unless you contact the QuickQuid collections team before 20 September 2013 and set up a sufficient repayment plan. Blah Blah Blah"

 

Surely would they not be requesting the WHOLE balance of the loan (£291.60) rather than just the repayment? And what is a personal financial statment? Surely the same as an I&E form??? Whats the best way to reply?

Link to post
Share on other sites

Also remember that any other charges Quick Quid apply to your loan amount are unlawful. By law its the original loan amount, original interest and default fee. Any other charges are unlawful and can never be justified. Do some digging into how much you're paying exactly.

Link to post
Share on other sites

By law its the original loan amount, original interesticon and default fee

 

Theres no law that says that.

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

Link to post
Share on other sites

Hi Megan99,

 

I would advise to send them a basic I&E sheet. I am aware that you might have done this already, but who knows where this has been landed at QuickQuid, those companies are not very organized.

 

Name the I&E sheet "Personal financial statement", do not put any creditor names in there (only e.g. CreditCard 1, CreditCard 2, Loan 1, PDL 1, PDL 2, etc.), and leave just enough monthly disposable income to cover for your desired monthly payment to QuickQuid.

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

Link to post
Share on other sites

Thanks for the advice. Just to update this weeks events!

 

Monday: Advised the income "expedition" form (!) in the "wrong format". I needed to resend in pdf or jpeg.

The same day I receive a text message from QQ saying "LIMITED OFFER! RING 0800 016 3114 TODAY FOR A REDUCED FINAL PAYOFF AMOUNT ON YOUR PAST DUE QUIKQUID

BALANCE!" so I emailed saying I will send I&E again and asking what exactly this offer entails.

Tuesday: Another email reminding me of my severely overdue loan. Tried talking on "live chat" to obtain details of offer, but no, I have to speak to someone in collections. Another email the same day offering a payment plan of £64.74 over 3 months. I reply referring again to the text received and asking what the final payoff would be and that I cannot afford the payment plan they propose.

Wednesday: Reply to my email saying to ring Collections team to set up payment arrangements.

Friday: Another email reminding me of my severely overdue loan.

 

 

Any idea what my next response should be?

Link to post
Share on other sites

Don't reply to them....they are using the 'drip drip' method on you, a form of torture, don't let them have the pleasure of winding you up.

 

They CANNOT slap interest on interest on your account, their terms and conditions may state it but this is not legally doable, any judge would throw the case out if properly defended.

Link to post
Share on other sites

Just an update:

Tuesday: another email advising loan is severely overdue.

 

Wednesday I email to say I simply cannot afford repayments they offer of £65 over 3 months. Asked for name of complaints manager as they have not read my I&E form as they would have seen that £65 was unaffordable.They have not responded to my request to freeze interest and charges. They have not responded to my request to contact through writing only (I have started receiving texts and phone calls from USA now). Told them I was reporting them to the FOS and OFT.

 

Thursday: receive a text to say if no contact account will be passed to a 3rd party. I send email of Wednesday again.Almost immediately I receive a reply back saying

"Your account is currently 90 days past due and subject to third party collection activity, We received your email regarding your loan and your situation has been noted. While you are more than welcome to call in (!) or post payments of £15 per month to reduce your balance, we are unable to set up a confirmed payment arrangement for that amount. Collection procedures will continue until an acceptable payment arrangement is made."

 

Friday: receive one email saying they are sorry im experiencing financial difficulties at this time and are more than happy to assist.Following the email I should have received a "hardship form" which needed filling out and returning. I never received this form! Later the same day, receive another and HALLELUJAH!!!!! They agree to a repayment plan of £26 per month over 1 year. Great! I think until I read closer ... in 2 days the balance has jumped from £194.24 to £285.38!!!!!!!!!!!!!!!!!

 

OMG what are they doing?? Just as I think Im getting somewhere! So ANOTHER email is on its way to them. Its draining!

Link to post
Share on other sites

You should NOT fill out their Hardship form, it basically is a glorified I&E form and they are not entitled to some of the information they ask for.

 

Go to the OFT again and point out the loan has increased yet again - that is your best course of action - and STOP WORRYING, there is very little they can do.

Link to post
Share on other sites

Just wanted to update you on my QQ fiasco.

 

After telling me £15 was not acceptable, I fired off my emails to OFT and FOS (awaiting responses for both). Likewise I told QQ I was reoffering £15 per month and asking again for a full statement showing how the amount had jumped so high, and asking for name of Complaint manager.

 

Their reply that evening was to email saying they needed to have my account details for monthly repayments. That they only accepted Bank account for direct debits, debit card, or cheques. They did NOT accept standing order payments and would not provide a sort code and account number to make payments into!!!!.

Wednesday, I emailed banck saying I had not even asked for this information!

 

Well Wednesday evening, another email and lo and behold a payment plan offer: The amount was back to £194.24 from £285.38 and finally offering £14.94 a month over 12 months! HOORAH!

 

So I have today emailed saying I would like to accept this offer; however I really want confirmation this is the FULL and FINAL settlement amount. I also notified them that my bank doesnt allow DDs or cheques and I dont have a debit card as my account has run badly over the last year..So now wait to hear what they say!!

 

So I am feeling slightly victorious that I stood my ground. Fingers crossed I will get there!!

Link to post
Share on other sites

Send them postal orders and deduct the po cost and cost of stationary used from the total debt. Theyll soon listen.

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

Link to post
Share on other sites

Dont tell them. Just do it. They wont take you to court and they know you are able to do this, as they are refusing every other avenue of payment.

 

Send the postal order by recorded delivery and a quick letter stating the above.

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

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...