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    • Hey everyone, I am hoping I can get some guidance with a car I recently purchased.   I have been looking around for a newer car and thought I would check out those internet car seller folks.   I found a car I liked and the description said it had all the things I wanted, so I paid the deposit, applied for finance, which I got, and opted for a PCP contract, paid my deposit and got my order confirmed. The car was delivered on Monday 1st June. First I must say that overall I am really very happy with the car, it is almost exactly what I wanted, I am delighted with the general condition, the way it drives and would not be too keen on letting it go if I have no need to do so.   So, the first thing, it was just under 700 miles over the quoted mileage, and I know that's not a lot. Still, that's not the point, the number is excessive, considering the place it came from is only about 200 miles from me. I have spoken to them about the mileage. They said it was a clerical error, which I do not believe, they have however agreed to refund me for 400 miles, which I decided to accept as I figured at least they have agreed to pay for just over half of the miles and did not want to be too unreasonable about it.   The second thing, and this is the one that is really the stumbling block. The cars headline said: 'FORD FIESTA HATCHBACK 1.0 EcoBoost 125 Titanium X Navigation 3dr'. Though the full advert is no longer visible, part of it still is, https://www.buyacar.co.uk/ford/fiesta/fiesta-hatchback/1-0-ecoboost-125-titanium-x-navigation-3dr-73955 and this is the car I bought.   So after checking it over upon delivery, and going around it with the delivery chap, all looked fine, and I decided a little drive was in order.   So off I went to put some fuel in, and while at the fuel station figured I would check out the sat-nav and this is where the problem is, there is no sat-nav. I checked the book, there is no slot for the navigation sd card, no button to turn on the nav, aka, no nav, none.   So I emailed them, and the response I got was: 'Thank you for your email, and I am sorry to hear you are not fully happy with your new purchase. This vehicle was not advertised with Sat Nav, so I am unsure where you feel you read the description you have provided?' ... ... 'In regards to the description of the vehicle, I have checked this on the order form, and the finance documents that were both sent to you and signed and the description of the vehicles reads as FORD FIESTA 1.0 TITANIUM X 3d 124 BHP hatchback.'   So I have pointed out the fact that there was not only a headline stating that the car was Navigation version but further, down the page, there was also a mention of it.   I also said to them, despite me signing said documents, I felt no need to recheck it because the wording navigation appeared several times in the advert which was enough for me to accept it was a version with navigation.   I also said, the order form nor the finance documents also make no mention of other stuff either like climate control, automatic folding mirrors, infact they do no mention any features, only that it is a FORD FIESTA 1.0 TITANIUM X 3d 124 BHP hatchback, so I have refused to accept this as an excuse and an attempt to lay the blame for this mistake at my feet. I honestly thought I was purchasing a car with sat-nav, based on the information provided by them.   I am awaiting a call from them but they have so far today failed to get in touch so figure I would use this waiting time to ask some of the more experienced members about their thoughts on where I stand with this.   Am I in a position for example to ask that they fit sat-nav? If they ask for the car back and put me in a position with no car again how does this work out? Am I flogging a dead horse?   Any advice please would be very much appreciate.   Thanks all.
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QQ Irresponsible Lending - Where do I Start??

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Hi, I hope I can be pointed in the right direction.

I have had several loans from QQ dating from 2010-2012

a total of 19 loans according to their information adding up to £14,600 without adding interest.

The last loan of £1100 is showing as defaulted in August 2012 , apparently was funded on the 24th August 2012, I have checked through all my previous bank statements and this payment is not showing.

I hope someone can help as to who I email and what should I say?

Thank you

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Hi,

 

Firstly, read through the other threads relating to QQ on here to get a feel of how things might work. Then you need to pull all your information together, get a copy of your credit report and tailor a complaint letter or email to QQ themselves. Send any email to complaint@quickquid.co.uk This complaint should be in your own words, not using a template, and say why you believe that QQ lent money to you irresponsibly. Was there a constant pattern of loans, were many of these rolled over? Quick quid will have all these as new loans on their web page but many are rollovers. Did they increase your limit to a point you couldn't afford, despite doing no checks?

 

Once you send in your complaint, sit back and wait. They have 8 weeks to come back to you before you can go to the FOS. I can pretty much guarantee that they will offer nothing or a token gesture, as I've not seen anyone get any response from QQ or P2P which are part of the same business. Once the 8 weeks is up, or they send you a final response (whichever comes first) you can send your complaint to the FOS. During this time I would use it to collate bank statements and details on other commitments, copy letters and emails of correspondence and generally have everything an adjudicator might require should our complaint go to the FOS. Did you have any other PDL at the same time, late payment markers, CCJ's or a low income and high outgoing that a payday lender should have seen if they had done proper checks?

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19 loans !!!!

 

A definite irresponsible lending case IMO, bet these were all rolled over to pay off the previous loan, daylight robbery, should be outlawed.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thank you,

There was a constant pattern of rollovers that started with £400 and ended increasing to £1200. I have checked my account on the QQ website & according to them I have had 19 loans.

The Total £14,600.

Could someone advise as to adding interest to this and if so how much?

Thank you

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What interest were they charging you?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Where would I find out the interest charged?

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Where would I find out the interest charged?

 

On the agreement you signed?

On statements they sent?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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If you are looking on-line then click on the loan ID in blue. This then shows a quick snap shot of the loan itself. Loan Amount is the amount borrowed and Loan Fee is the interest. If you had any loyalty discounts they show under Discount Amount and come off the loan fee to give you the amount you paid as interest

 

e.g. Loan Amount £1300 Loan Fee £260 Discount Amount £52 Total repaid £1508

 

Also note that if you changed to a flexi account with QQ, this information is not stored on their website, just pay day loans. My loan info stopped at the end of 2012, but I still borrowed from QQ up the end of 2014 and was paying my flexi loan into 2015

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Thank you, I will check all that out.

I didn't change to a flexi loan.

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Also is there any sort of template that I can follow as I don't want to muck this up?

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Also is there any sort of template that I can follow as I don't want to muck this up?

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AFAIK, there is no set template, each case is individual, type up your complaint then post it on here for others to look at and advise you.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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