quickquid help please

[tinker151z]

Hi

 

I Currently have an account with quickquid which is now in default.

 

I have tried to speak to them several times but do not seem to get anywhere and I am now being inundated with calls.

 

I have a flexi loan with them however

 

in summer my work hours were cut and I am loosing over 200 a month.

 

I spoke with somebody at quickquid and they agreed to put me on a 4 months payment plan of 175 a month and they wouldnt add intrest.

 

When the payment date came I checked my account and they had taken over 230 out of my account.

 

I spoke with them and was then told I would be refunded.

I then got a call back claiming they wouldnt refund me and that it was tough.

 

I called my bank and they cancelled all payments and future payments to qq.

They keep claiming I have to payback over 1000 despite emailing me an agreement.

 

im not sure what to do now as they will not agree to anykind of plan

and I simply cannot afford to pay that much back.

The calls seemed to have stopped since the end of December.

[tinker151z]

Should I just wait and see if I get a debt collection letter?

[Desperate Daniella]

Hi tinker,

 

It's late and the people who can best advise you probably aren't around right now.

 

You will get some help on how to deal with them, so just hold on.

 

I'll keep an eye on your thread.

 

DD

[renegadeimp]

Your main issue is you fell for their tricks. NEVER talk to them on the phone. As youve seen, they will say and do anything.

 

Go to your bank and get a full chargeback as it was an unauthorised transaction, and get the CPA cancelled on your account. Then TELL QQ what they are going to get. Do NOT let them tell you. If they dont respond to any form of repayment plan that you can afford, then keep the money to one side and stop paying until they agree. Any interest and charges applied to the account would be unfair and could be challenged as unlawful./

[tinker151z]

Hi

 

Thank you for the replies. I havnt paid them anything since August. I just want to make a plan to pay the money back but they are very unhelpful. They havnt contacted me for around 2 weeks now so not sure what is happening

[renegadeimp]

The only thing they can do is mark your credit file and sell the debt on, after loading it full of charges and interest. Have a read of the QUick Quid forums. Youll get a rough idea how to handle them.

[tinker151z]

I'm still having a nightmare with qq. It's been that bad I have had to change my number. Bombarding me with calls and emails.

 

I have tried time after time to try and sort some kind of of plan out with them but they will not accept it or admit to their mistake with the debt and a person there agreeing to me paying 700 back. They keep saying they will have to pass this to debt collectors. What shall I do?

[renegadeimp]

Have you filed full complaints including with ofcom.

[tinker151z]

Have you filed full complaints including with ofcom.

 

Where do I report them? Is there any letter template that I can use?

 

Had another email from QQ this morning demanding I pay them 1400. Which is double the amount they agreed for me to pay back

[renegadeimp]

Looks like theyve marked you as potentially gullible.

 

For the telephone calls, you can use http://www.consumeractiongroup.co.uk/forum/showthread.php?387367-Harassment-by-Telephone

 

 

For them continuing to harass you, you need to make a full complaint to them in writing and send by recorded delivery. Ask for their bank details so you can pay what you owe at a rate you can afford. Ignore their silly excuses as they will lie to you. If they wont give you the bank details, then we'll just use the postal order method to pay them.

 

 

You also need to DEMAND, not ask, for a full and complete breakdown of the account. They are very well known for adding on unfair charges and interest purely to make themselves a profit.