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    • I've inserted their poc re:your.. 1 ..they did send 2 paploc's  3. neither the agreement nor default is mentioned in their 2.        
    • Hi Guys, i read a fair few threads and saw a lot of similar templates being used. i liked this one below and although i could elaborate on certain things (they ignored my CCA and sent 2 PAPs etc etc) , am i right in that at this stage keep it short? If thats the case i cant see what i need to add/change about this one   1)   the defendant entered into a consumer credit act 1974 regulated agreements vanquis under account reference xxxxxxx 2)   The defendant failed to maintain the required payment, arrears began to accrue 3)   The agreement was later assigned to the claimant on 29 September 2017 and notice given to the defendant 4)   Despite repeated requests for payment, the sum of 2247.91 remains due outstanding And the claimant claims a)The said sum of £2247.91 b)The interest pursuant to S 69 county courts act 1984 at the rate of 8% per annum from the date of issue, accruing at a daily rate of £xxxx, but limited to one year,  being £xxxx c)Costs   Defence:   The Defendant contends that the particulars of claim vague and are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   1. The Claimant has not complied with paragraph 3 of the PAPDC ( Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC.   2. The Claimant claims £2247.91 is owed under a regulated consumer credit account under reference xxxxxxx. I do not recall the precise details or agreement and have sought verification from the claimant and the claimants solicitor by way of a CPR 31.14 and section 78 request who are yet to fully comply.   3. Paragraph 2 is denied. I am unable to recall the precise details of the alleged agreement or any default notice served in breach of any defaulted payments. 4. Paragraph 3 is denied.The Defendant contends that no notice of assignment pursuant to s.136 of the Law of Property Act & s.82 A of the CCA1974 has ever been served by the Claimant as alleged or at all.   5. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to:   (a) show how the Defendant has entered into an agreement; and (b) show and evidence any cause of action and service of a Default Notice or termination notice; and © show how the Defendant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   6. After receiving this claim I requested by way of a CPR 31.14 request and a section 78 request for copies of any documents referred to within the Claimants' particulars to establish what the claim is for. To date they have failed to comply to my CPR 31.14 request and also my section 78 request and remain in default with regards to this request.   7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974.   9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.  
    • i understand. Just be aware I am prepared to take some risks 😉
    • Thanks Tnook,   Bear with us while we discuss this behind the scenes - we want you to win just as much as you do but we want to find the right balance between maximising your claim without risking too much in court fees, and in possible court costs awarded to the defendant bank.
    • Tell your son and think on this. He can pay the £160  and have no further worries from them. If he read POFA  Scedule 4 he would find out that if he went to Court and lost which is unlikely on two counts at least [1] they don't do Court and 2] they know they would lose in Court] the most he would be liable to pay them is £100 or whatever the amount on the sign says. He is not liable for the admin charges as that only applies to the driver-perhaps.If he kept his nerve, he would find out that he does not owe them a penny and that applies to the driver as well. But we do need to see the signage at the entrance to the car park and around the car park as well as any T&Cs on the payment meter if there is one. He alone has to work out whether it is worth taking a few photographs to help avoid paying a single penny to these crooks as well as receiving letters threatening him with Court , bailiffs  etc trying to scare him into paying money he does not owe. They know they cannot take him to Court. They know he does not owe them a penny. But they are hoping he does not know so he pays them. If he does decide to pay, tell him to wait as eventually as a last throw of the dice they play Mister Nice Guy and offer a reduction. Great. Whatever he pays them it will be far more than he owes as their original PCN is worthless. Read other threads where our members have been ticketed for not having a permit. [We know so little about the situation that we do not know if he has a permit and forgot to display it. ]
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Rockstarpup

Quickquid complaint and they email a questionnaire

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Hi,

 

I sent in a complaint to QQ and they have emailed me saying that "in order to better assist you, we ask that you fill out below information so that we can thoroughly review and respond to your complaint".

 

The questions briefly

 

1. Income per pay cheque at time of loans

2. Monthly expenses (mortgage,rent, travel, bills etc)

3. Recently, we have seen an increased number of complaints where the complainant has obtained a template from a website or blog. Did you use a website template? If so, can you pleaserovide the name of the website?

4. Did you tell us that you were experiencing financial hardship? If so,when?

5. Copy ho banks statements from roughly time of loans

6. Payslips from roughly time of loan.

 

 

Surely they should have all the information they needed before providing the loans regarding g income, expenditure etc

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What is the complaint regarding?

 

If you give more information then others can give you accurate advice.

 

Is this your debt or your OH?


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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They do this with every complaint. Its entirely up to you how you chose to reply, but i would be very wary of sending them any bank statements or in fact anything that they can use against you further down the line!

The end result will be the same, whether you provide all of the info or not. They will either reject your complaint, or will offer an amount of about 10% of the amount of interest and fees you paid. I am not trying to put you off- far from it- but i do want you to have realistic expectations of the process.

Your complaint will take 8 weeks, then QQ will almost certainly come back wiht one of the 2 options above, or will simply tell you they havent had time to resolve your complaint.

You need to take it the FOS as soon as their 8 weeks are up, because you will not get a reasonable offer from Quick Quid.

Once you have taken the complaint to FOS, they will either ignore your adjudicator, or will argue that they were reasonalbe, and the complaint will most probably be sent to an ombudsman.

Its extremely likely that it will take 8 weeks with QQ, and at least another 8-12 weeks with FOS.

 

But back to their questions! I would reply exactly as you have here. If they were responsible lenders, they would already have all of this information. Its none of their business whether you used a template, or where it came from, and they should treat yours as an individual complaint. They need to address your issues based soley on the information they hold on file for you.

Best of luck with your complaint- stick with it- it will be worth it in the end :)

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Thank you for the information, I will explain that obviously they should have all the info provided to them by me when I applied for the loans.

 

Have already been successful with Wonga and got there refund last week.

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Still none the wiser?

 

Do you need advice?


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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It's for me and the complaint was regarding irresponsible lending and claiming back fee's.

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