Jump to content


  • Tweets

  • Posts

    • If the OP follows king’s advice and then the neighbour’s roof leaks, who do you think the neighbour will blame? a) the dodgy “roofers” (who will be long gone), b) the OP for “damaging a perfectly good repair” (even if they don’t damage it, and it wasn’t a good repair!), or c) someone else   King may be technically correct, but the OP following their advice isn’t likely to end well if the neighbour is already ‘difficult’. 
    • I sent a SAR. which also provided a copy of proof of ID, last month to Northumbrian Water, and received no reply whatsoever.   After the 30 day deadline passed i sent off a complaint form to the ICO and sent a letter of claim to NW for breach of statutory duty. (As up until today they had failed to respond in any way to the request that was made)   Today i received a reply saying the my ID wasn't in the standard format and they could not accept it,   (The exact same copy of ID has not been an issue before and the exact same image was accepted perfectly fine by a previous energy company i SAR'd), and that they required i give them 2 forms of I.D, 1 from list A and from List B Along with questioning the alternative address like i mentioned above.   I wanted the request to be sent to the alternate address, as i work full time and i'm not always at my home address, i'd most likely not be in at a time when it can be delivered and can't get to the delivery office easily enough before it would be returned back undelivered. (Which i wanted to avoid happening again as this happened to the last SAR i made.) The address is my partner's address, where i regularly go and who also works from home and wouldn't have issues receiving/collecting mail.
    • yes they are entitled to query...GDPR applies   full story please don't play secret squirrel        
    • Hi,   I received a reply from a SAR I sent today (This was only after I sent a Letter of Claim as the company failed to reply or acknowledge the SAR in any way, though that deserves its own thread)    In the SAR I asked for my request to be sent to an alternate address, In the response they asked for clarification as to why I requested this.    Provided that the company has been given enough proof and information to verify my identity would I need to provide this reason for them to process my request? 
    • Following a six month battle with a supplier concerning the purchase of a faulty item which resulted in the submission of a case to money claims on-line & mediation, an agreed settlement was reached & part of the settlement involved me having to arrange, return & pay the necessary charges to return the faulty item to the supplier/manufacturer. On receipt of the item they would within seven days refund the agreed settlement figure together with the costs of the postal/courier fees.     A contract was taken out with Parcel Force on line, 24 hour express delivery according to the information that is given when entering into this contract, the customer will receive up to date tracking of their parcel together with a message alert when the parcel reaches its destination.   Parcel was picked up as promised   when checking the tracking some 24 hours later the parcel had still not been delivered nor had the tracking.   A number of telephone calls were made to Parcel Force where I was told that my Parcel was at the National Hub but had been delayed due to a malfunction & could I check back later that evening.     Following morning I checked the tracking & it still read the same.   Following several telephone calls I have been informed that they are unable to confirm whether the parcel has been lost,   the exact location of the parcel & whether it will be delivered.     I submitted a claim on line to Parcel Force on the morning of 19th June & to my astonishment when checking the status of the claim a number of hours later have discovered that they have closed my claim.     Status says rejected - claim passed to online team.     Due to the situation of this parcel having to reach its destination as soon as possible I want to pursue this matter via a money claim online process.   I would also like to add that I did not take out an insurance with Parcel Force as I naturally & genuinely assumed that they would fulfil their contract & deliver the parcel as promised.     I feel that I am being given the runaround every time I speak to them   am very keen to commence action against them as soon as possible.     Any advice would be gratefully received & sorry for the long winded post.  
  • Our picks

    • My personal experiences of Future Comms 
       
      Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!
      • 0 replies
    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
        • Like
      • 4 replies
    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 5 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
style="text-align:center;"> Please note that this topic has not had any new posts for the last 527 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I have a default with QQ dated 16/07/2012 it should fall off my file July 2018.

Will it stay on my file after this date if there is still a balance on it or will it be removed regardless.

 

 

Can they add another default at anytime?

Share this post


Link to post
Share on other sites

Regardless of the state of the account/debt, whether it is paid or not, it will auto drop off your file 6 years after it was

first placed on there.

 

And no it can't be re-added.

Defaults only have a six year shelf life, once they drop off then they are gone for good,

but don't expect them to stop with the demands for payment, even when it is statute barred!


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!

 

 

Share this post


Link to post
Share on other sites

I have 2 'loans' with QQ. In fact I only have 1.

 

Main loan (rolled over)- 28/03/2012 - 500

Finance charge - 147.5

Late fee - 12

Balance - 659.5

 

Roll over fee - 29/02/2012 - 500

Finance charge - 147.5

Late fee - 12

Balance - 159.5

 

I have since paid £320-330 which has resulted in smallest loan account being closed, and the rest being put towards the biggest loan.

 

I am wondering if QQ are trying to play me and make me pay the finance charge & late fee twice?

 

My credit report has my balance as £499 but I think it should be £340 ish.

 

I have stopped paying the last few months and just received a letter today trying to locate me as I moved house.

 

Should I get back to them ask for a full breakdown? When it was 'sold' to ARC they wouldn't give me one.

 

EDIT: Also which credit report is the best to look at?

I have Noddle (call credit) & now ClearScore (equifax) and both are different.

 

ClearScore has none of my payday loans listed but Noddle does.

 

ClearScore however doesn't show the status of my accounts so it doesn't show defaults.

Edited by debrag15

Share this post


Link to post
Share on other sites

I sent an email to QQ earlier in reference to the £659.50 loan and they have admitted in a reply the £147.50 is an extension fee.

Therefore I am refusing to acknowledge the smaller loan for £159.50.

 

Unfortunately ARC assigned my payments to the smaller loan first, meaning that loan is now paid off.

They then sent QQ any payments after the fact so £170.50.

 

1) Why didn't ARC sent QQ the money from the start?

2) Why weren't ARC assigning the money to the main loan after the small loan was paid off?

 

Kind of sounds like ARC owned the small loan but QQ owned the main loan. ARC & QQ are probably the same company.

Share this post


Link to post
Share on other sites

They cannot refuse to send you a breakdown of the debts and should be sending you regular statements.

 

If you have any correspondence from ARC, they should identify at the bottom of the page if they have any link to Quick Quid ?

 

Did you receive a Notice of assignment when the debt was supposedly sold/assigned ?


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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb 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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Share this post


Link to post
Share on other sites

they haven't refused to send me a breakdown. I already have what I posted above from them and today I got information about the 'main' loan.

 

From what it sound they care charging me twice for the rollover fee.

Share this post


Link to post
Share on other sites

I got a breakdown of the main loan via post last week.

 

They are not mentioning the 'rollover' loan and claim only £90 has been received leaving my balance as £499.

 

Main loan = £659.50

Payments = £160 (ARC) + £170 (direct)

Balance = £329.50

 

They have applied £159.50 to the 'rollover' loan which I dispute stating I still owe £499.

 

I have a mind to just start paying them £5 till it falls off my credit report in a few years.

Share this post


Link to post
Share on other sites

Quick Q on your last point debrag15.....

 

Whe you say 'falls off your credit report', what do you mean exactly?

 

I've heard and seen snippets with regards to a company only being able to post to your credit file for 6 years.

 

Is is this in which you refer?

 

I ask as I've had QQ post to my credit file for almost two years now.

 

Will this 'fall off' after the 6 years is up, or 6 years after I settle?

 

Thanks.

Share this post


Link to post
Share on other sites

Fall off Simply means it will automatically be removed


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

Share this post


Link to post
Share on other sites

my account has gone back to QQ, when I log into QQ I have no current loan and no loan history.

 

Should I contact them to inquire as they have sent me a breakdown previously or just say nothing and wait for the post?

 

I've since moved addresses so it could be a while, if ever.

 

I had intended to pay them £5 a month but that's their loss.

 

My default is dated 16/07/2012 and should come off my file August 2018, in under 3 years.

Share this post


Link to post
Share on other sites
So I got a breakdown of the main loan via post last week. They are not mentioning the 'rollover' loan and claim only £90 has been received leaving my balance as £499.

 

Main loan = £659.50

Payments = £160 (ARC) + £170 (direct)

Balance = £329.50

 

They have applied £159.50 to the 'rollover' loan which I dispute stating I still owe £499. I have a mind to just start paying them £5 till it falls off my credit report in a few years.

 

I did decide to only pay £5 a month to ARC.

 

The first payment went through then I got an email to say they no longer hold the account and it's back with QQ.

 

Went to pay QQ this month and the £5 has been returned from 'qq/p2p'.

 

Spoke to them via live chat and got told ARC still hold it, tried ARC and they don't recognise the ref number anymore.

 

I have emailed QQ to tell them all this.

 

I think I shall continue to pay them £1 a month & if it gets returned no-one can say I didn't try to pay.

 

I keep getting them 'if you don't pay...' emails.

 

The wording never changes.

You'd think they'd have taken me to court by now!

 

It falls off my account July 2018 so not too much longer.

 

Will wait and see what their next move is.

Share this post


Link to post
Share on other sites

Dont pay another penny until they get their act together. Just keep the money in your bank and once they figure out who owns the debt, then pay them


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

Share this post


Link to post
Share on other sites

UPDATE:

 

I just checked my noddle report and I no longer have my 2 defaulted QQ accounts on there, not in the open or closed section.

 

I only have the 3 close none defaulted accounts that fall off Jan 2018.

 

Does this mean they have sold it to someone or that I no longer own them anything?

 

I am still getting the auto 'pay in 60 days' emails which I just ignore.

 

Have I had my loan written off (just read the guardian article),

 

I've had no email about this and they don't have my current bank details or address.

 

Too scare to inform them

Edited by debrag15

Share this post


Link to post
Share on other sites

I have had a qq loan in the past (2012).

 

I disputed it and since then I've had the '60 day over payment' email going back at least as far as 2015.

 

The default is dates May 2012 so due to fall of my report May 2018.

 

Today I have received via email a 'notice of assignment' from Motormile Finance.

 

Should I ignore it,

remind them that the account is in dispute or send them the prove it letter?

 

I'm getting confused now.

 

27/01/2013 Last email sent saying I was in dispute over the balances and the debt being assigned/sold to ARC. ARC couldn't give me a breakdown referring back to QQ, QQ claiming they didn't hold my account anymore!

 

21/08/2015 Email sent requesting a breakdown as I disputed the balance amounts.

 

12/09/2015 Last email sent/received over the balance dispute

 

24/11/2015 Notice of Payment 60 Days Overdue emails start arriving almost weekly til Dec 2017

 

21/12/2017 Notice of sale email

 

04/01/2018 Notice of assignment email from Motormile

 

It drops of my credit file in 5 months but when would/should it be statue barred?

 

I think I shall get a 'prove it' letter as well as a CCA request letter in the post ASAP

 

If Motormile do own the debt then should the closed defaulted QQ record on my credit file be changed to Motormile but the default date stay the same?

 

29/01/2017 QQ claim my balance is £494

 

05/01/2018 ARC claim my balance is £589 (appears to still be active)

 

04/01/2018 Motormile claim my balance is £489

 

This has been going on for years not sure what the balance should be.

Share this post


Link to post
Share on other sites

id be blocking their emails

who ever told you to email any one regarding debt wants shooting

if you have not written to the OC or anyone that has chased this and ANY of your other debts with your correct address

id be doing so

 

you seriously stand a risk of backdoor CCJ cause you think its smart to hide...


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

I'm not quiet sure why you think I am trying to hide.

 

As I said I don't remember the last time I paid them anything. Ignore the following:

 

05/01/2018 ARC claim my balance is £589 (appears to still be active)

 

That was for something else.

 

I'd forgotten about the whole stuff in 2016 about the accounts falling off my report.

 

Both are back but only one is defaulted.

 

It appears it may have been written off then put back on, who knows.

 

I am more than likely going to try and offer a F&F on the £489 anyways

Share this post


Link to post
Share on other sites

I've had no email about this and they don't have my current bank details or address.

 

Too scare to inform them

 

have you informed in writing QQ or anyone your change of address since moving?

 

if not you stand a big risk of a backdoor CCJ from MMF and that's one of their favourite party tricks.

 

i'd not blindly be paying anyone yet...


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

QQ have my address,

I have only been getting emails not letters through the post.

 

MMF could give me a CCJ in it's last 5 months on my report :

 

Surely I need the 'claim before court' letter or whatever it's called before they can do anything.

Share this post


Link to post
Share on other sites

good

so all MMF are doing is saving money and using a cheap method to harass you.

 

bounce their emails back and block them.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...