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    • Just posted up the POC. Will get on with CCA and CPR tomorrow.   Is there a danger that if he attempts to call BC he could take it out of staute barred?  I will have to contact him Spain so need to advise him what not to say.
    • Here are the Particulars of Claim     Name of the Claimant ? Hoist Finance UK Holdings Limited     30th January 2020 Date of issue 30/01/2020 + 19 days ( 5 day for service + 14 days to acknowledge) = 17/02/2020 + 14 days to submit defence = 02/03/2020 (33 days in total) -   Particulars of Claim   The claim is for the sum of £7939.36 arising from the defendants breach of a regulated consumer credit agreement referenced Under no xxxx926xxxxxx03 The defendant has failed to remedy the breach in accordance with a Default Notice issued pursuant to ss.87(1) and 88 of the Consumer Credit Act 1974. The Claimant claims the sums due from the Defendant following the legal assignment of the agreement from Hoist Portfolio Holding 2 Ltd(Ex Barclaycard) Written notice of the assignment has been given. The Claimant claims 1. The sum of £7939.36 2. Costs   What is the total value of the claim? £7939. + £410.00 Court fee + 100.00 legal costs Total amount £8449.00   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes dated 02092019   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Not sure   Did you inform the claimant of your change of address?Not sure 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 ?  After April 2007 actually August 2007   Do you recall how you entered into the agreement...On line /In branch/By post ? Can't recall   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ?No idea   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. Claim issued by Hoist, so assigned.   Were you aware the account had been assigned – did you receive a Notice of Assignment? Howard Cohen solicitors says yes. I say no   Did you receive a Default Notice from the original creditor? Not to my knowledge   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? Costly divorce and failed small business   What was the date of your last payment? Over 6 yeras ago I believe   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Spoke to them many years ago          
    • DX ,thanks for spacing post BankFodder,  sorry, point taken,   FS
    • defence due by 4pm Monday 2nd   has he...   .  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]   get him to ring BC ask last payment date tomorrow.    
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Hi,

 

 

I've spent the last 5 years trying to clear through all the mess I was in, and through some great help from this site I've done a reasonable job so far. I've cleared a big chunk of the stuff that was keeping me in trouble and have now looked through the payday loans I had.

 

 

Reading on here about irresponsible lending made me look at my old QQ loans, where I was quite shocked to see I had 59 loans one after the other,starting at £100 and ending up at £1350!

 

In total I borrowed over £50k in 3 and a half years and the interest paid was over £8,500

Irresponsible on my side I understand but I was getting in more and more of a hole.

 

Then I realised that was up to 2012 and my loans changed to a flex account that I could draw from, which seems to be blank on the QQ website.

 

I've asked for details to see how much interest I paid over the 18 months I had that.

 

At the time I also had loans with Wage Day Advance (small) and Pounds to Payday (pretty large), but understand the latter was based in Malta so I don't really have a leg to stand on there

 

What is surprising is I also had a loan with Pounds to Pocket (4 of them in fact) while I had my flext account and they are owned by the same parent company as QQ.

 

There is no chance they did any proper checks as my credit rating was shot to bits and 59 loans is not a short term fix

 

I've fired them an email to ask them to explain their process and see what comes back. I'll update as I hear anything

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blimey thats a heck of a story...deff worth a complaint to them, ther'll probably fob you off then onto FOS....can you not check you bank details to see when loan payments were made in and taken back that way you'll get a clear view as to what you paid in loan fees etc - even if you dont have/use that bank account any more its worth phoning them to get copies of your statements for those years - i had a similar issue with PDLs I took out and my old bank sent me all the statements FOC

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I had Pounds Till Payday loans over that whole period of that,

and they were usually around a grand a month!

It probably means I borrowed another £35k minimum through them.

 

 

I don't seem to have the details for them and for some reason can't seem to be able to search on my on-line banking at the moment.

 

 

I see they are now UK based, but wouldn't hold out much luck on anything back from them.

Wage Day Advance actually contacted me and froze the interest on my last loan and allowed me to pay back in instalments as a "responsible lender"

There isn't much on there, so not going to rock the boat

 

For QQ all the loan info is on the website, so easy to access. With the exception of the flexi account from 2013, which is what I have asked for information on. I have had an email today saying they can help and are looking into my query

 

Put the QQ loans into a spreadsheet and it makes sobering reading. This is just the loans and doesn't include the interest i'll have paid on my Flexi account, or the Pounds to Pocket accounts. As some of these go past 6 years, does that affect any claim? All this information is from QQ own website

 

Loan Date Amount Interest

1 05/03/2008 £400.00 £100.00

2 26/03/2008 £400.00 £100.00

3 07/05/2008 £375.00 £93.75

4 28/05/2008 £375.00 £93.75

5 02/07/2008 £500.00 £112.50

6 25/07/2008 £500.00 £125.00

7 29/08/2008 £475.00 £100.94

8 26/09/2008 £475.00 £118.75

9 24/10/2008 £100.00 £25.00

10 01/12/2008 £375.00 £79.69

11 31/12/2008 £700.00 £148.75

12 26/01/2009 £700.00 £175.00

13 03/03/2009 £400.00 £80.00

14 26/03/2009 £400.00 £100.00

15 24/04/2009 £100.00 £25.00

16 29/05/2009 £300.00 £60.00

17 26/06/2009 £300.00 £75.00

18 29/07/2009 £500.00 £100.00

19 26/08/2009 £500.00 £125.00

20 30/09/2009 £400.00 £80.00

21 15/10/2009 £400.00 £100.00

22 18/11/2009 £650.00 £104.00

23 15/12/2009 £650.00 £104.00

24 19/01/2010 £650.00 £104.00

25 15/02/2010 £650.00 £104.00

26 19/03/2010 £700.00 £112.00

27 15/04/2010 £700.00 £112.00

28 14/05/2010 £750.00 £120.00

29 15/06/2010 £750.00 £120.00

30 15/07/2010 £1,350.00 £216.00

31 13/08/2010 £1,350.00 £216.00

32 15/09/2010 £1,175.00 £188.00

33 15/10/2010 £1,200.00 £192.00

34 15/11/2010 £1,200.00 £192.00

35 15/12/2010 £1,350.00 £216.00

36 14/01/2011 £1,350.00 £216.00

37 15/02/2011 £1,250.00 £200.00

38 15/03/2011 £1,250.00 £200.00

39 15/04/2011 £1,250.00 £200.00

40 16/05/2011 £1,350.00 £216.00

41 15/06/2011 £1,350.00 £216.00

42 15/07/2011 £350.00 £56.00

43 25/07/2011 £1,350.00 £216.00

44 26/08/2011 £1,350.00 £216.00

45 26/09/2011 £1,350.00 £216.00

46 26/10/2011 £1,350.00 £216.00

47 25/11/2011 £1,350.00 £216.00

48 23/12/2011 £1,350.00 £216.00

49 26/01/2012 £1,350.00 £216.00

50 17/02/2012 £150.00 £24.00

51 27/03/2012 £1,300.00 £208.00

52 26/04/2012 £1,400.00 £224.00

53 25/05/2012 £1,400.00 £224.00

54 26/06/2012 £1,400.00 £24.00

55 26/07/2012 £1,400.00 £224.00

56 24/08/2012 £1,400.00 £224.00

57 01/10/2012 £600.00 £96.00

58 29/10/2012 £900.00 £144.00

59 31/10/2012 £1,300.00 £208.00

Flexi 03/08/2013 £1,400.00 TBC

 

£52,050.00 £8,534.13

 

Yes, that's £52k of borrowing and a minimum of £8.5k of interest in just over 5 years! 3 of those loans had £12 charges attached to them, I can't remember why

 

Can't seem to get it to look tidy, sorry!

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This morning I received a cut and paste reply for both my QQ and Pounds to Pocket accounts, this despite not raising any query with Pounds to Pocket. At least not yet. The emails were identical with the exception of the change in Customer ID, even coming from the same person

 

 

 

 

Dear XXXXXX,

Customer # *******

 

 

Thank you for contacting QuickQuid. The contents of your email were duly noted.

 

 

Your query raised several questions on what loan affordability is based on and what statutory checks are processed before assessing credit approval. Please be advised of the following information in relation to your query:

 

-We processed a credit check, the search id: {9BFE17C1-0D71-4D45-B9C2-DD1F46EF9E8E} confirms one of the affordability checks that were ran. You can find additional information on checks by contacting Callcredit which is one of the Credit Reporting Agencies we use.

 

-We also run various checks, which include but are not limited to, affordability assessment based on current financial commitments, as well as verifying any personal details provided on the application.

 

-After the application was submitted, we send our customers an email which contains the pre-contractual agreement and also contains a hyperlink that leads to an audio version for your convenience.

 

-Prior to making a lending decision, your loan application is reviewed and all of the information discussed above is analyzed and taken into consideration.

 

-Once that information is reviewed, we make a decision and subsequently contact the consumer to advise of the final credit decision.

 

After careful review of your account and the information you submitted at the time of your application, we have determined that we diligently followed our processes and conducted a credit and affordability assessment on each credit application that was granted.

 

If you have any queries, our Final Resolution Team is here to help.

 

Kind Regards,

 

Tiffaney

I have responded by thanking them for their cut an paste response, mentioned they haven't sent the information that I requested for my flexi loan and asking if I should take this as a final response. I even pointed out I hadn't complained about by Pounds to Pocket loans and that the emails were identical

 

Very quickly I have had this about my flexi loan, so have all the information I need.

 

 

Between 03/08/2013 and 31/12/2014, the cumulative principal advances you borrowed was £22475,00

 

The total repaid on this account was £29183,57,

 

The cumulative late fees and administrative charges assessed to the above balance was £0,00.

 

The cumulative finance charges assessed to the above balance was £6708,57 .

 

I am awaiting their final response so I can go to the FOS. Do I just supply them with the information I have available and some copies of my credit score at the time, maybe showing the arrears on my mortgage (not sure how anyone would lend to someone 2 payment late on a mortgage)?

 

 

What this does is show between 5th March 2008 and 31st December 2014 (6yr 10 months) I borrowed a total of £73,125.00 from QQ and paid £15,242.70 interest in that time paying back a total of £88,367.70. This is just Quick Quid

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Are they seriously suggesting that they could see nothing wrong with reloan after reloan - sit tight it will be a long painful process with FOS on this one as lots of info to go through - in the end I should think you will get the loan fees back

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Hi Neil, thanks for your response. The cut an paste email doesn't actually say its a final response so pretty sure I can't go to the FOS yet. I don't have any loans with QQ, although do have 5 months remaining on a P2P loan, that is all up to date, so I have nothing to lose and everything to gain. Now my reliance on these things is removed, due to some help from my mother (a difficult conversation to have, but one I'm glad I eventually did have, before I went under) I am happy to play any waiting game with QQ required, and go through the process. The fact they are a short term lender and ended up lending me money for 82 consecutive months doesn't really show that they are a responsible lender. I've paid all these loans back in full, never defaulted and been a bit of a model customer in that time, with 3 late payment fees, no wonder they saw me as a cash cow to milk.

 

 

Does anyone know where I stand on length of time though, am I stuck looking at the last 6 years only?

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Flikofee will know more but I think you will be limited to 6 years - 82 consecutive months, they really are stupid if they think they are going to get away with this. I would think that opening a case up with for for irresponsible lending would best , probably steering clear off unafordable lending/borrowing as you paid the loans back.

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Thanks Neil, i'll wait from some advice then and see what I can do.

 

 

The vast majority of interest is in the last 6 years anyway as the loans were smaller in the start. To be honest the only way I could pay these back was through bouncing the QQ and Pounds till Payday loans off each other. My paid date at work changed so I told one of them this and would pay back on pay day one loan, re-loan to pay the other, then re-loan that to pay my bills. Stupid I know, but once I was in that trap I couldn't get out. Maybe I should have just defaulted them a long time ago and not been in this mess. I've never tried to get out of paying what I owe, but looking at this spelt out in front of me its a bit of a horror show and no wonder I was in such a state

 

Pushed QQ on their email to see if I could get a final response but got a "we have 8 weeks to look at this" so looks like i'm in it for the long haul now. I don't expect anyone has had a response within this time? I also got an identical one from Pounds to Pocket, again never having approached them to discuss these loans, I just pointed out in my original email that I had loans from 2 parts of the same company at the same time. What are they worried about I wonder?

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Pounds to Pocket is the trading name of CashEuroNetUK, LLC and so is QQ - both owned by the same parent company - which in this case makes your case even stronger as they were both lending to you at the same time - very interesting

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joncow, the response you received is a standard qq repky which i receieved as well before finally winning. you should definitely win your case, if you check out the fos website and look at the decisions database, filter it in quickquid and u couls get some useful info to support your complaint. the main criteria which the fos seem to like to uphold are:

 

long term consecutive sequential borrowing either via rollovers or reloans

other payday lenders apparent

other adverse credit

 

based on the volume of lending alone, you should be in for a very nice refund of interest and charges but be prepared to wait a while

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Thanks Acid! Just looked at the number of cases found in favour of the consumer is 80% for Casheuronet UK LLC which is the parent company of both Quick Quid and Pounds to Pocket. Just a shame I now have to sit and wait for 8 weeks to receive a no before the Ombudsman can start their investigation. Its 2 more months of interest I suppose!

 

Neil, I did mention to them about having loans with both, but they have been very quick to send me emails for Pounds to Pocket even though I haven't actually raised a complait with them

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My point is that they share the same address and same mother company. That means that in all likelyhood that they sahre the same telesales, customer service, complaints teams and toilets.....so when you opened up your complaint with QQ their dumb complaints team (or could be intelligent as they pre-empted your other complaint) decided to respond for both accounts.

 

Whats more concerning here is that they share the same data on their debtors so really should have a far better view of your borrowing then say seperate companies.

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I'm going to reserve if I think they are dumb until I get my final response, ha ha.

 

 

My guess is they are going to pan it out for the 8 weeks and then say they did nothing wrong. Reading the forums I don't see anyone that's had a positive result without going to the FOS with QQ or Pounds to Pocket. And then everyone pretty much seems to get a result! You'd think QQ would learn then and avoid the inevitable cost of the FOS opening up an investigation and the extra 2-3 months of interest that's been added. I'm certainly not looking to get out of anything, I borrowed the money and I've obviously paid it all back, but if I could get some of the ridiculous amount of interest back to sort the rest of my life, I'd be very happy.

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yes, I'd be prepared to wait the full 8 weeks unfortunately and then the amount of time it takes to get through the FOS process which is prob between 3-6 months. In my case they accepted the adjudicators decision without raising it to the Ombudsman which saved a bit of time but at least you have a very nice lump sum awaiting you. the FOS can throw the odd curveball decision depending on what adjudicator you get but as you have seen with 80% of cases getting upheld and the sheer volume of your lending, I cant see how they can win your case

 

The good news in a perverse way is that QuickQuid has been granted a full consumer credit licence and is a big company with deep pockets so should be no risk to your money - my worry with a lot of my cases with the smaller lenders was that they would go out of business and I would never see any of it back (Minicredit, CashGenie being examples). I dont see given how the scale of some of these refunds how can of the smaller lenders can survive...

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I've been asked to step in by others in the site team. Let me have a full read and I'll advise shortly...


 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Thanks for the confidence boost Acid and Neil. I'm happy to wait

 

 

Thanks fkofilee, any additional info is always great to have when tackling a business, the advice on here is always brilliant and comforting

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Put the QQ loans into a spreadsheet and it makes sobering reading. This is just the loans and doesn't include the interest i'll have paid on my Flexi account, or the Pounds to Pocket accounts. As some of these go past 6 years, does that affect any claim? All this information is from QQ own website

 

Loan Date Amount Interest

1 05/03/2008 £400.00 £100.00

2 26/03/2008 £400.00 £100.00

3 07/05/2008 £375.00 £93.75

4 28/05/2008 £375.00 £93.75

5 02/07/2008 £500.00 £112.50

6 25/07/2008 £500.00 £125.00

7 29/08/2008 £475.00 £100.94

8 26/09/2008 £475.00 £118.75

9 24/10/2008 £100.00 £25.00

10 01/12/2008 £375.00 £79.69

11 31/12/2008 £700.00 £148.75

12 26/01/2009 £700.00 £175.00

13 03/03/2009 £400.00 £80.00

14 26/03/2009 £400.00 £100.00

15 24/04/2009 £100.00 £25.00

16 29/05/2009 £300.00 £60.00

17 26/06/2009 £300.00 £75.00

18 29/07/2009 £500.00 £100.00

19 26/08/2009 £500.00 £125.00

20 30/09/2009 £400.00 £80.00

21 15/10/2009 £400.00 £100.00

22 18/11/2009 £650.00 £104.00

23 15/12/2009 £650.00 £104.00

24 19/01/2010 £650.00 £104.00

25 15/02/2010 £650.00 £104.00

26 19/03/2010 £700.00 £112.00

27 15/04/2010 £700.00 £112.00

28 14/05/2010 £750.00 £120.00

29 15/06/2010 £750.00 £120.00

30 15/07/2010 £1,350.00 £216.00

31 13/08/2010 £1,350.00 £216.00

32 15/09/2010 £1,175.00 £188.00

33 15/10/2010 £1,200.00 £192.00

34 15/11/2010 £1,200.00 £192.00

35 15/12/2010 £1,350.00 £216.00

36 14/01/2011 £1,350.00 £216.00

37 15/02/2011 £1,250.00 £200.00

38 15/03/2011 £1,250.00 £200.00

39 15/04/2011 £1,250.00 £200.00

40 16/05/2011 £1,350.00 £216.00

41 15/06/2011 £1,350.00 £216.00

42 15/07/2011 £350.00 £56.00

43 25/07/2011 £1,350.00 £216.00

44 26/08/2011 £1,350.00 £216.00

45 26/09/2011 £1,350.00 £216.00

46 26/10/2011 £1,350.00 £216.00

47 25/11/2011 £1,350.00 £216.00

48 23/12/2011 £1,350.00 £216.00

49 26/01/2012 £1,350.00 £216.00

50 17/02/2012 £150.00 £24.00

51 27/03/2012 £1,300.00 £208.00

52 26/04/2012 £1,400.00 £224.00

53 25/05/2012 £1,400.00 £224.00

54 26/06/2012 £1,400.00 £24.00

55 26/07/2012 £1,400.00 £224.00

56 24/08/2012 £1,400.00 £224.00

57 01/10/2012 £600.00 £96.00

58 29/10/2012 £900.00 £144.00

59 31/10/2012 £1,300.00 £208.00

Flexi 03/08/2013 £1,400.00 TBC

 

£52,050.00 £8,534.13

 

Yes, that's £52k of borrowing and a minimum of £8.5k of interest in just over 5 years! 3 of those loans had £12 charges attached to them, I can't remember why

 

Don't worry about the 6 years. It's 6 years from when you discovered the problem.


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thanks for the confidence boost Acid and Neil. I'm happy to wait

 

 

Thanks fkofilee, any additional info is always great to have when tackling a business, the advice on here is always brilliant and comforting

 

Hi Joncow, it certainly is an interesting thread.... Sounds just as bad as another we had recently.

The FOS would be good at this point, however I will advise further tomorrow... Bed is calling :p


 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Hi Caro, many thanks for the info on the 6 years. Very interesting, and at least I have all the information for all these loans to hand including amounts paid and actual numbers for the loans.

 

 

No problem fkofilee, I appreciate you all need to sleep at times! I've seen a few smaller claims on here, but nothing quite as big as paying over £80k to quick quid, which is a little daunting

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Hi Joncow, it certainly is an interesting thread.... Sounds just as bad as another we had recently.

The FOS would be good at this point, however I will advise further tomorrow... Bed is calling :p

 

So... Ive read and seen and this is an extensive case.

QQ send that response as a Copy paste as you know. CRAs will only have your searches for a maximum of 2 years.

 

Refer to the FOS with immediate effect. Let them do their digging. Did you do a formal complaint with them or just a simple 1 2 email?


 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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I just sent them an initial email asking about the info on my flexi credit account as I couldn't see the detail on the Quick Quid website. I then totted up my payday loans with them that was the first 59 loans on the list. I followed up the next day with a little extra info from me in a "for the benefit of doubt who I am email" and expressing my concern at the amount of loans I'd had and for the amount, pointing out I had loans with Pounds till Payday and Wage Day Advance for the majority of that time and also with Pounds to Pocket as part of the same business though the length of my flexi account. I got a generic we can help you email with no timeline expectations or details. This was just last week.

 

 

Over the weekend I dropped them another email asking when I'd expect to hear anything. First thing on Monday morning I received the standard cut and paste responses, one from Quick Quid and one from Pounds to Pocket. Both were identical with the exception of the customer number at the top. Both came from Tiffaney and arrived less than a minute apart from each other. I relied to each thanking them for their cut and paste response and should I take this as a final response. On the Quick Quid reply I pointed out I hadn't received the information on my flexi credit account as requested. I received that info around 30 min later.

 

 

I didn't hear anything so spoke to the FOS who just said they wold send Casheuronet UK a letter stating I had a complaint and they had 8 weeks to respond from my initial complaint. That was Tuesday. Later on that day I managed to speak to someone at the resolutions team at QQ and they said it wasn't a final response and they had 8 weeks. I told her that none of the responses from QQ had been anything but vague and how was anyone meant to know what they were doing. I then received 2 emails - 1 for QQ, 1 for P2P from the response team stating they had 8 weeks to investigate. I received a letter from the FOS letting me know that they had wrote to Casheuronet, this came yesterday.

 

 

I expect to wait until March 24th for QQ to milk this out and then say they have done nothing wrong

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I just sent them an initial email asking about the info on my flexi credit account as I couldn't see the detail on the Quick Quid website. I then totted up my payday loans with them that was the first 59 loans on the list. I followed up the next day with a little extra info from me in a "for the benefit of doubt who I am email" and expressing my concern at the amount of loans I'd had and for the amount, pointing out I had loans with Pounds till Payday and Wage Day Advance for the majority of that time and also with Pounds to Pocket as part of the same business though the length of my flexi account. I got a generic we can help you email with no timeline expectations or details. This was just last week.

 

 

Over the weekend I dropped them another email asking when I'd expect to hear anything. First thing on Monday morning I received the standard cut and paste responses, one from Quick Quid and one from Pounds to Pocket. Both were identical with the exception of the customer number at the top. Both came from Tiffaney and arrived less than a minute apart from each other. I relied to each thanking them for their cut and paste response and should I take this as a final response. On the Quick Quid reply I pointed out I hadn't received the information on my flexi credit account as requested. I received that info around 30 min later.

 

 

I didn't hear anything so spoke to the FOS who just said they wold send Casheuronet UK a letter stating I had a complaint and they had 8 weeks to respond from my initial complaint. That was Tuesday. Later on that day I managed to speak to someone at the resolutions team at QQ and they said it wasn't a final response and they had 8 weeks. I told her that none of the responses from QQ had been anything but vague and how was anyone meant to know what they were doing. I then received 2 emails - 1 for QQ, 1 for P2P from the response team stating they had 8 weeks to investigate. I received a letter from the FOS letting me know that they had wrote to Casheuronet, this came yesterday.

 

 

I expect to wait until March 24th for QQ to milk this out and then say they have done nothing wrong

 

Okay well this is interesting.... I would suggest that you allow them to investigate and reject it / accept their fault. Lets see what they come back with.


 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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Thanks, I'm just going to sit tight

 

 

Although I do have a good job and earn a decent wage, I did get into a bit of a hole through some gambling issues and then this constant payday cycle. I earn more than enough to not need these loans to survive, it just goes to show how much they can bring you down. Paying out £1700 to QQ, £1700 to Pounds till Payday and £300 to WDA each month is an impossible task. I have had late payment markers on my mortgage for a number of years (on and off) and a load of late payment markers for the last 8 year or so on credit cards etc. I've never defaulted or had any CCJ's, sometime I wish I'd just given up around 8 year ago and declared bankruptcy and I'd be ok now. However I've ensured I have paid or at least tried to pay everything back. Sometimes trying to do the right thing gets you in a bigger mess

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Thanks, I'm just going to sit tight

 

 

Although I do have a good job and earn a decent wage, I did get into a bit of a hole through some gambling issues and then this constant payday cycle. I earn more than enough to not need these loans to survive, it just goes to show how much they can bring you down. Paying out £1700 to QQ, £1700 to Pounds till Payday and £300 to WDA each month is an impossible task. I have had late payment markers on my mortgage for a number of years (on and off) and a load of late payment markers for the last 8 year or so on credit cards etc. I've never defaulted or had any CCJ's, sometime I wish I'd just given up around 8 year ago and declared bankruptcy and I'd be ok now. However I've ensured I have paid or at least tried to pay everything back. Sometimes trying to do the right thing gets you in a bigger mess

 

Most definitely. But for now, wait to see what QQ come back with if they started the complaints process. When you get a response let us know what it says.


 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Will do, as soon as I have something i'll let you know. And if it helps others, all the better

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