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    • I'm not sure what the form is – would your new suppliers normally have contacted the old supplier to say that there was a change? If you could show that spark should have known that they were no longer dealing with the account holder at the time that they apply for the warrant, then it seems to me that they do bear some culpability. By the way one of the site team mentioned that at some point Marston would contact me. I'm afraid that's not the way it works. I've now referred the matter to Marston and they may well decide to contact you – the Original Poster for more information or simply to inform you that in the circumstances that there is nothing that they are able to do. I'm afraid it's out of my hands and I never asked for or ever receive any feedback about the references I make to them at this level
    • I've forwarded the details of this to Marston – but I'm not sure that there is much that can be done in the circumstances. If the energy company had been informed – or if they had reason to know that their customer was no longer at the address then of course obtaining the warrant was outrageous. As it is, it would seem that the previous tenant hadn't informed them and had simply done a runner – and unfortunately you have taken no action to return any mail to the sender so as far as I gather, there is no reason for the energy company to have known what has happened. Please note that I haven't really looked through this thread very carefully since I originally posted so are not au fait/can't remember all of the details – but that is my sketchy understanding. If this is the case then, although of course something needs to be sorted out – I have to say that it would have been helpful if you had either opened the mail or returned it. I know that you say that you have never had to do this in the past – but maybe it would be good practice in the future. It could be that in the past you have simply been lucky. You are talking about clearing the balance of some outstanding debt which belongs to somebody else? This seems to be extraordinary to me – but then I'm afraid I haven't been following the thread very closely  
    • So here is where things stand at the moment (sorry it's a very long post!):   I moved into this property in November.  I contacted both my electric and gas suppliers to change address and get my accounts moved over.   Electric - I closed my old account from my previous address, opened a new account for this address, set up a direct debit and requested they become the supplier.  The only thing that was outstanding on the account was a discussion about tariffs.  On 21st November they tried to call me but I didn't answer (judging from the time I was probably driving home from work).  I received a payment from them at the end of November from my previous account (which I clearly didn't check as I thought it was money going out for my direct debit).  I incorrectly assumed the call was about tariffs, which tbh, I'm not really fussed about. Their request to become the supplier was rejected but they didn't follow up on it or try to contact me again.  So I, like an idiot, thought it was all sorted out.  It's only now that I've been through my account that I realise they haven't been taking payments. I have spoken to them since Friday and the above is what they have told me has happened.   Gas - I closed my old account and have been trying to get a new account opened since November.  I have had several discussions with them re: the change request being rejected and they didn't know why it was being rejected but to leave it with them.  They told me at the beginning of this month it would be done by the 21st January.  During this phone call they said I could call the current supplier to make sure it goes smoothly but that it wasn't essential as they expected it to be completed by the 21st.  Last week they sent me a final demand for my previous address.  I contacted them to raise a complaint as I thought they were at fault, as I expected it to have been changed as per the above.   I spoke to them on Saturday and have sorted out my final bill and they have advised me to open accounts with the current supplier, Spark, clear them and then I can switch. Interestingly they also told me that Spark went bust in 2018 and it is a company called Ovo who are on the national database as the gas supplier.   Spark - This is the company who changed the meters on Friday.  I have two letters (one for gas, one for electric) that were left with the smart meter they had plugged in in the kitchen, both addressed to the previous tenant.  I obviously did open these on Friday.  Both letters state that they had changed the meters to prepayment meters.  There are several boxes that list current debt, amount of credit on meters etc none of which are filled in.  They also state that a booklet has been left explaining how the smart meter works.  There was no booklet. When I contacted them on Friday they told me that I was in fact on credit meters (I don't know if they changed this remotely when they realised I wasn't the person with the debt).  They also told me they had every right to enter the property and aren't able to check every time who the current occupant is and I should have told them I'd moved in.  I was told that someone would call me at 1pm on Saturday to discuss my complaint, thus far no one has called me.   I spoke with citizen's advice yesterday who really weren't much help tbh.  They said I should have contacted the current supplier when I moved in and provided a copy of my tenancy agreement.  I've moved A LOT over the years and have never had to do this.  I have checked several energy supplier websites and they all state to switch to them or move home simply to contact them and they will basically do the rest, not one of them states that you need to call the current supplier... obviously, on reflection I really wish I had!   My letting agent/landlord have requested that I take any post for the previous tenant to them and they will return it.  They also want confirmation of what type of meter (prepayment or credit) is now in the house.  The locks were changed when I moved in so only myself, the letting agent and the landlord have a key.  None of us let them in on Friday.     My next step is to open accounts with Spark/Ovo, clear the balances since November and then change suppliers.    All of the above have advised me to follow Spark's complaint procedure which I will do but as I said above they haven't contacted me so far re: the complaint I made on Friday.   Should I also contact Marston's to raise a complaint with them?   Whilst in all of this I do appreciate I could have done a fair bit to have made my life easier and probably prevented this happening (hindsight is wonderful!) my main complaint is that neither Spark nor Marston's felt they needed to perform a very simple check and see who actually lives in the property before breaking in.  I cannot for the life of me see how this is acceptable or legal.  Whilst they had the legal right and a warrant to enter the previous tenant's property as far as I am concerned they had no right to enter mine.    
    • I am in the process of looking on the land registry and it's showing on there alongside Lloyds bank,am going to look at deeds aswell  
    • Just a note that these appeal Trade Associations, are bodies these fleecers belong to so they are allowed to operate, appeals almost always fail, and by appealing important protections under POFA are lost as the appeal almost always identifies the driver.  Irrelevant in your case as you own the space, and the PPC have no rights in law over it.  POPLA appeal could also fail as POPLA wouldn't look at primacy of contract and the fact you own the space so can tell the PPC to Foxtrot Oscar. Whole Private Parking Industry is a money machine for unscrupulous ex cowboy clampers.
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Lantern/chapman claimform -old QQ loan.

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I have 2 payday loan accounts both due to be paid today.

wonga is 890

QQ is 900, as a result of rollovers

 

I have managed to safeguard bank accounts, wages transfered and card reported lost.

 

i have filled in a I&E with wonga and it said i couldnt afford to pay £1 back so i have composed this letter.

 

Dear Sir/Madam

Our household has had a dropped in income, this is because my wife has lost her job.

I have completed your online income and expenditure tables and it tells me that the repayment plan could not be set up as my expenditure will leave less than £1 per month free.

With some juggerling about, and cutting back the best I can offer is £25 per month, This will be paid via Standing order.

Once my wife returns to work I will be able to increase the payment amount, but when that will be, I cannot say.

 

With this payment plan in operation I would Wonga to cease charging interest and charges on the account.

 

I would like to insist that all communication between myself and Wonga to be carried out by email only, I will not speak to anyone about this account over the phone.

 

have i done this the right way and is there anything else i need to do .

 

many thanks

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Ii took out a QQ loan back in March however every month i have had to roll it over.

The payment was due 30th August, however i cancelled my Bank Card, and transferred wages to another account so no chance QQ could take money out of the account.

I then wrote to them via email on 30th with this

 

Dear Sir/Madam

Our household has had a dropped in income, this is because my wife has lost her job.

I have gone through an income and expenditure and this does not give me any free cash to do anything with.

With some juggerling about, and cutting back the best I can offer is £25 per month, This will be paid via Standing order.

Once my wife returns to work I will be able to increase the payment amount, but when that will be, I cannot say.

 

With this payment plan in operation I would like Quick Quid to be the responsible lender it claims to be and freeze all charges and interest on the account.

 

I would like to insist that all communication between myself and Quick Quid to be carried out by email only, I will not speak to anyone about this account over the phone.

 

I look forward to your response

 

 

 

today i received this response from them

 

We received your email regarding your loan balance and your situation has been noted. Please be advised that when offering or accepting payment plans we are only able to accept payment plans on defaulted balances, not on current loans. Please be advised that £25.00 per month is not an acceptable payment plan.

 

However by signing your loan agreement, you agreed to the Terms and Conditions outlined in the "Consent to Electronic Communication" section. Therefore, we are within our rights to contact you via phone.

 

The acceptable payment methods used by Quick Quid are: Bank Account, Debit Card, Bankers Cheque or Cashiers Cheque. Unfortunately, we do not accept PayPal, standing orders, giro slips, credit cards or provide an account number that you can make cash payments into. Collection procedures will continue until an acceptable payment arrangement is made.

 

Please call our Collections Department to set up a scheduled payment plan

.

 

 

can anyone help or advise with this....many thanks in advance

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Ignore them and restate your proposal. They dont get to decide what an acceptable plan is.

 

If they become stubborn, then we can use the postal order method which will make them stamp their feet. Infact, i would keep hold of that response and form a complaint to the regulators, as they are in breach of OFT guidance and uk law.


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

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Therefore, we are within our rights to contact you via phone.

Perhaps you don't understand my letter, any rights you believe you have in regards to contacting me, have been revoked, you are NOT to contact me by phone, anything you wish yo say can be committed in writing, if you choose to ignore my legitimate request, and call me on my personal phone line, this will be reported as harassment.

 

Please be advised that £25.00 per month is not an acceptable payment plan.

Once again, please be advised that whilst this amount may well be unacceptable to you, it is what you will receive until further notice.


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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QQ rarely listen. SOmetimes they do, but generally they dont. They cannot take legal action in the UK as they are based, and are ran from the US. Thats why they sell the debt after inflating it with charges.


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

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QQ rarely listen. SOmetimes they do, but generally they dont. They cannot take legal action in the UK as they are based, and are ran from the US. Thats why they sell the debt after inflating it with charges.

 

That makes sense.


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 will try and threaten court action, but since they dont have any representatives in the UK, and everything is diverted to the US, i doubt theyd want to spend a few thousand on flights and accomodation/expenses for whatever muppet they send, knowing that they arent guaranteed to win.


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

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It is your legal right to communicate in writing ONLY send them the following letter.

 

 

 

FORMAL COMPLAINT - HARASSMENT BY TELEPHONE.

 

 

Account Number:

 

Dear Sirs,

 

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I consider to be harassment by yourselves.

 

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

 

I now require all further correspondence from your company to be made in (writing or email) only.

 

I am of the view that your continued harassment of me by telephone puts you in breach of The Consumer Protection from Unfair Trading Regulations 2008, and the Protection from Harassment Act 1997.

 

I draw your attention to the case of Roberts v Bank of Scotland plc and another [2013] All ER (D) 88 (Jun) in the Court of Appeal.

 

The court concluded that:

(1) The existence of a debt did not give a lender the right to bombard the debtor with calls. It was for the debtor to decide whether they wanted to discuss the matter with the creditor.

 

(2) In respect of the harassment appeal, the claimant had made it perfectly clear that she had not wanted to speak to the bank, and she had been perfectly entitled to do so. Once the bank had phoned a few times, it had been clear that no progress was to be made. Further calls had been futile and should have been stopped. The judge had been right to characterise the calls as intimidation and they had been wholly unjustified.

 

 

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

 

Please treat this letter as a formal complaint under the procedures set out by the Financial Ombudsman (FOS). As such, you are required to send me a copy of your company complaints procedure.

 

Furthermore, please note that the FOS consider it 'unfair' for you to continue with phone calls when requested not to do so.

 

The OFT also consider it an unfair practice for you to ignore my legitimate wishes on how to contact me, for example where the debtor requests contact only via written letter or email, so I now demand that you cease any phone calls forthwith.

 

Be advised that any further telephone calls from your company will be recorded. (**Even if you don‘t have recording equipment!!**)

 

This issue is not negotiable. Any further phone calls will be logged, treated as harassment and reported to the authorities as such.

 

Yours faithfully,

 

 

PRINT OR SIGN YOUR NAME DIGITALLY

 


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Many thanks to you all for you comments and suggestions.

I will put a response together and let you know the contents when done.

 

cheers for now.

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Here is my response including points that you guys so kindly suggested

what do you think.

 

Dear Sir/Madam

I Thank you for your reply.

please be advised that whilst this amount may well be unacceptable to you, it is what you will receive until further notice.

I have explained my situation to yourselves in my previous email, and that all I can afford to pay is £25.00 per month until further notice or things get better on the financial side. This will be paid Via Standing order only, if Quick Quid Refuse to accept this payment by this method, I will make payment via Postal order and I will deduct the cost of paying by this method from the account balance, these being the cost of the postal orders and the cost of sending them by recorded post and the time it takes me to process the payment.

 

As for telephone contact, I don’t think Quick Quid understands my request, here any rights you believe you have in regards to contacting me, have been revoked, Any Member of Staff from Quick Quid are NOT to contact me by phone, anything you wish to say can be committed in writing, via letter or E-mail, if you choose to ignore my legitimate request, and call me on my personal phone line or work number, this also relates to text messages as well, this will be reported as harassment.

 

I trust that I have made my situation clear, I am not wanting to avoid clearing the account, but I want to clear the account with what I can afford to pay.

 

I look forward to your response

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Good letter. With the telephone harassment, put something about non-complying is a breach of OFT guidance on debt collection and you will report it as such tot he OFT.


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

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Many thanks for the advice

i have just put this together.

 

Dear Sir/Madam

I Thank you for your reply.

please be advised that whilst this amount may well be unacceptable to you, it is what you will receive until further notice.

I have explained my situation to yourselves in my previous email, and that all I can afford to pay is £25.00 per month until further notice or things get better on the financial side. This will be paid Via Standing order only, if Quick Quid Refuse to accept this payment by this method, I will make payment via Postal order and I will deduct the cost of paying by this method from the account balance, these being the cost of the postal orders and the cost of sending them by recorded post and the time it takes me to process the payment.

 

As for telephone contact, I don’t think Quick Quid understands my request, here any rights you believe Quick Quid have in regards to contacting me, have been revoked, Any Member of Staff from Quick Quid are NOT to contact me by phone by text message or via my employers, and as I have put this in writing, any contact from Quick Quid that is not in the form of an email or letter will be in breach of the Office of Fair Trading Guidelines on debt collection and as such will be reported to The OFT for harassment

 

I trust that I have made my situation clear, I am not wanting to avoid clearing the account, but I want to clear the account with what I can afford to pay, and not what Quick Quid want me to pay.

 

I look forward to your response

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I would enclose a very simple budget summary in with that letter as well, to prove beyond any doubt that you are willing to pay the debt.


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

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Can I just suggest you send any emails to collections@quickquid.co.uk and resolutions@quickquid.co.uk.

 

I helped a friend out only this week in dealing with quick quid and the response we received agreed straightaway to the requests.

 

That email is the type of email they sent me a couple of years ago when trying to deal with them.

 

There are bank details for them. They still try and pull that lol. Have a hunt around. People have paid a few pence via the bank details and checked their online quick quid accounts and seen the money deducted off the balance...


It never rains but it pours...

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many thanks again, brief I&E sent as well as email. sent it to all three departments. i will let you know what the response is.

 

cheers

Lets

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here is their response to my email..

Thank you for contacting us to inquire about how to pay off your balance. We received your email regarding your loan balance and your situation has been noted. While you are more than welcome to call in payments of £25.00 per month to reduce your balance, we are unable to set up a confirmed payment arrangement for that amount. Collection procedures will continue until an acceptable payment arrangement is made.

 

any thoughts

 

cheers lets

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perhaps remind them of OFt guidelines.


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

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is there a specific section of the guideline that i need to remind the of Renegadeimp?

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Nah just remind them of the entire thing. They know it already, they just hope you dont.


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

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here is my next letter to Quick Quid

Dear Sir/Madam

As per my previous email regarding payment in order to clear the account, I did attached my income and expenditure this showed all I could afford to clear the account was £25 per month.

May I also draw your attention to my initial email which explained the circumstances which lead to only being able to afford to pay the £25 per month, this reason was my wife being made redundant therefore we do not have her income anymore.

As I said this is all I can afford, and with this in mind I expect all interest and any charges to cease, as if I am paying what I can afford this being the £25 per month, then I would expect that this would be deducted from the balance and decrease the amount owed. As if the interest and charges where to be constantly added then the amount owed would not go do but increase and this would be irresponsible on Quick Quid`s part.

 

Just in case Quick Quid are not aware of them, I have attached a copy of the office of Fair Trading`s guidelines on Debt Recovery.

 

I look forward to your response.

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Try this:

 

Dear idiots,

 

Please refer to my previous communication dated xx/xx/xxxx to you in regards to my proposed repayment plan. I attached my current I&E with that letter/email which clearly shows that all i can currently afford to pay towards my arrears is £25 per calendar month.

 

I will also refer your attention to my initial communication dated xx/xx/xxxx which explains the circumstances that have lead to the unfortunate consequence that i will only be able to pay you £25 per month. Incase you have mislaid the communication, the reason was that my wife was made redundant, so i am now the sole income for my household.

 

As i have mentioned MULTIPLE TIMES, the aforementioned amount is all i can currently afford. With this in mind, i kindly ask you to cease all interest and charges accruing on my account for the next 3-6 months upon which i will send you an up to date summary of my situation and a copy of my I&E, and if possible, a higher repayment plan. If you are not able to do this, i will have no other option but to drop the payments to £1 per month for the life of the account as your actions will do nothing to help my circumstances.

 

I feel i do not need to remind you of OFT guidance on debt collection which states that you must take the debtors financial circumstances iinto account when they have clearly shown they are in financial difficulty.

 

I will also state that i am in no way trying to avoid paying what i owe on the account. I am simply trying to agree a repayment plan that i can afford and will not be unfair to my other creditors.

 

I trust i make my position clear.

 

I look forward to your agreement to these proposals within the next 7-14 days.

 

 

Write something along those lines.

Edited by renegadeimp

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

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ta for the response Renegadeimp, i have used your sugestion as that seemed about the right tone to use. i will let you know what the next response says.

 

cheers

lets

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This sounds like a job for final resolutions department.

 

Email png @ quickquid (.) co (.) uk or ddirzo@quickquid (.) co.uk or ddirzo @ enova(.)com

 

Explain again the situation, and that the Collections team are refusing to assist you.

If/when you email the last one... please mention your quickquid acoount reference.

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An Update

i have now received and email confirming that they are happy to take the £25 per month as a payment plan, however they have not confirmed that they are freezing interest, so another email sent.

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If they don't freeze interest then there's no point paying anything but £1 month


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

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