Lantern/chapman claimform -old QQ loan.

[letsgetitsorted]

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

[letsgetitsorted]

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

[renegadeimp]

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.

[Bazooka Boo]

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.

[renegadeimp]

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.

[Bazooka Boo]

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.

[renegadeimp]

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.

[citizenB]

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

 

[letsgetitsorted]

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.

[letsgetitsorted]

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

[renegadeimp]

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.

[letsgetitsorted]

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

[renegadeimp]

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.

[Bombaymix]

Can I just suggest you send any emails to [email protected] and [email protected].

 

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...

[letsgetitsorted]

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

[letsgetitsorted]

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

[renegadeimp]

perhaps remind them of OFt guidelines.

[letsgetitsorted]

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

[renegadeimp]

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

[letsgetitsorted]

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.

[renegadeimp]

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 September 3, 2013 by renegadeimp

[letsgetitsorted]

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

[turkwyfe4lyfe]

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.

[letsgetitsorted]

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.

[renegadeimp]

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