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    • So when you reported the accident and Copart took the car away, you must have phoned a number.   And surely you have made notes of who you spoke to, date/time of your  call etc ?   Why not phone the same number to chase up.   Your car may have been sold by now or crushed.   Dial Direct probably don't deal with the claims other than pass on details to Insurers, but they should be able to assist you in speaking to the AXA team handling your claim.    
    • Hi    What I find strange is the Buyer from the start after you explaining pervious issue with RM as you always you UPS insisted it had to be RM.   UPS could have delivered this item next day so why was the Buyer so adamant it had to be RM something just doesn't add up from the Buyer as this person the item was for was going to India the next day and needed the item.   How did the Buyer inform you this item had not been delivered and have you given that evidence to RM?   How did the Buyer pay you for this item? Credit/Debit Card, Bank Transfer, Paypal etc.   Have you researched the property address as its flats to see who owns then whether is leasehold/ private/ council/ housing association? (the reason I ask this if Council or Housing Association due to this being flats most have CCTV around and inside but also door entry which will be logged)   As this is Flats and only if it does have door entry to access the building you could ask RM how there delivery courier was able to access that building. (there will either be a service button which they can press to get access or they have been given a key fob for that entry system to access the building or the entry door has been left open)   You could also ask RM to Clarify that the GPS Location they state that the item was delivered whether this is the RM Delivery Vehicle GPS Location at the property or the exact GPS Location of the exact Delivery Address.? (something tells me it will be the vehicles GPS data)            
    • HI   Thanks for the update.   That is shocking that the Ombudsman has said that the case worker assigned to you will call within 5 working days.   I think you need to point out to then very clearly without them thinking you are being aggressive/angry this is important as you want them on your side the Breaches I mentioned in post#78 especially that A2 have Breached the Ombudsman's letter/contact to either resolve this matter or issue the Deadlock letter and A2 have failed to do this even with you giving them extra time.   Note: if A2 have still have still not dealt with this as per the Ombudsman contact above you make sure when they do contact you that you point this out as per there phone call A2 have had all this extra time (as this adds to the extra time you have given them and makes A2 look bad to the Ombudsman's request)   Make sure and ask them for a copy of that letter they sent to A2 to resolve or issue Deadlock Letter for your records.   As for your evidence try to make sure you can scan all this into PDF Format (if possible) and make it one multiple PDF with all your evidence in it in date format. whether its written (with your proof of posting), email, etc. as this will make is easier for the Ombudsman rather than numerous documents.   You look after yourself and you know where we are if you need any further help just let us know    
    • Hi persha50   Thanks for that update and clarification that the claim is via TDS.   Lets use know how it goes with the TDS claim of deposit return
    • Hi Stu,   I contacted the ombudsman today. My case worker is to call within 5 working days. Will update once this has happened.   Thanks again
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I today sent an email to [email protected] telling them i formally withdraw my cpa authority as i am unable to make a payment to them on 31 Dec. Surprisingly i received an email back within 2 hours saying that they had also cancelled the cpa and requested that i phone the collections department to discuss a suitable repayment plan. they left contact phone number for me but also an email address - [email protected] So i then emailed them confirming that payments could re-commence 31 jan 14 and the monthly payment could also be increased by £13 inorder to catch up on the missed payment. Strangly got an email reply saying i need to contact [email protected] - whats going on! my loan isnt even with quickquid!!

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Theyre the same company. They just use different names to make people think they are different companies.

 

As for the cpa. Do it through your bank. Not the lender.

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

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  • 1 month later...

Still having problems with poundstopocket.

Just had to send this (yesterday) after a notice of acceleration qas emailed to me suggesting full balance was now due for payment....

 

I would also like an explanation as to why this notice of acceleration has been issued, below is part of the contract...i have only missed 1 payment date under this agreement....

 

DEFAULT ACCELERATION AND LEGAL FEES: * Unless otherwise agreed, you will be in default under this Loan Agreement if you, at any point, have 2 consecutive payments that remain unpaid after a scheduled Payment Date. We will notify you of your right to cure the default and the means to do so. If, at any point after 15 days of being notified, you have 3 consecutive payments that remain unpaid after a Scheduled Payment Date, we may accelerate your loan and call the entire balance due for immediate repayment. Upon acceleration, interest will cease to accrue on the principal balances. Subject to our obligations under the Consumer Credit Act 1974, if you are in default under this Loan Agreement we may exercise our rights to enforce this Loan Agreement, including by commencing court proceedings, in which case you may be liable for our reasonable costs as described in 4(a)(ii) of the Loan Details.

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Whatever you do...DONT call them!!

 

Id strongly suggest you bypass the customer service reps now and collections also.

 

email png @ quickquid .co. uk....

 

put ur name and loan reference and explain ur situation. He works for final resolutions team and through him, I got my repayment plan by standing order .....and i also got a 50% discount as i managed to scrape the money together and paid it to just get rid of it. I have another contact u can use if hes no help but im pretty sure he will be.

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Its all sorted bud, had my repayment plan arranged by somebody called Nate, no phone calls or anything. Its for a 6 month period at £100 per month then to be reviewed. All interest to be frozen as of a couple of days ago. Will save be £500 as was supposed to pay £146 over 12 months. Havent even paid one payment yet... first payment was officially due 31 December but couldnt pay so ended up sorting a repaymeny plan at reduced payments. So first payment of £100 is due tomorrow

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Can you realistically afford £100 and NOT default on it? Remember as well, that even though you are in a repayment plan, QQ will probably sell the debt on.

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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Nothing. All rights and obligations are sold with it. This means the new owner are obliged to continue the current repayment plan. They can ask you to consider changing it, but you can just say no.

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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Cool, im happy with how it turned out to be honest, saving myself £46 a month but more importantly not having to pay back £1,700+. Works out at borrowing £1000 over a year and only paying £200 in interest. Not really sure whats going to happen in 6 months mind... hopefully can just pay it all off if ive got the money. If not hopefully stick to £100 for a further 6 months. That will then pay it all off....

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