Ok thanks again Rene will send it to OFT.

Thanks Rene will do. Not sure what to reply with any ideas i would appreciate

Recieved this response today from Mini credit Microcredit Ltd is able to provide You at the moment three possibilities. The first option is a settlement. The settlement means that when You contact our Customer support we are able to reduce the current outstanding balance and waive some of the failed debit attempt fees. The settlement must be paid over the phone during the phone-call with a debit/credit card. The second option we are able to provide You is a settlement plan. We provide all our clients 120 days from the due date to make payments of any amount towards their outstanding balance. Your current loan has been overdue for 31 days which provides You 89 days to make payments of any amount. You would need to make at least one payment a month towards the balance. After the 89 days You would need to make a full and final settlement offer. Microcredit Ltd will then overlook all the payments we have received and they will be taken into consideration while calculating the settlement. This option provides You approximately until the middle of August 2012 to try to get the Loan cleared. The reasonable settlement amount must cover the daily interest for every day our funds have been used, the loan principal and the two penalties for breaking the Loan agreement. The interest is 1% of the Loan principal which in Your case at the moment is GBP4.00 per day. We are able to waive most of the failed debit attempt fees (GBP5.00 per every empty transaction when the funds are not available on the registered debit card.) Microcredit does not provide You the dates nor the amounts when You need to make the payments. The partial payments possibility is available 24/7 on Your http://www.minicredit.co.uk online account under "Repayment" section. The most important part is that at least once a month a payment of any amount must be made. The loan should be cleared latest by the 15th of August 2012. The settlement can be discussed at any point when You have a larger amount available to offer as a full and final settlement. The third option we are able to provide You is a Hardship application. We will activate this on Your http://www.minicredit.co.uk online account. Once You have filled in the application and provided us the supportive documentation regarding the change of the circumstances we will process the application and if neccessary forward Your account over to our Debt recovery and Legal partner who are able to set up a long-term payment plan with You. However You would need to bear in mind that if we forward the account over the default will be marked immediately on Your credit file. We hope this response has sufficiently answered your questions. If not, please do not send another email. Instead, reply to this email. Kind regards, Minicredit Claims Department I have already told them I do not have a debit card so why do they keep trying to take payment.

I took out a loan with Cash Genie in December repaid it the next month, had a text from them today saying Thankyou for repaying your Cash Genie loan you can re-apply I DONT THINK SO !

Thank you Rene

whats the stickies ??

Thanks for your reply but a 4 month plan is no good to me at the minute my financial situation will not allow it. Have offered them £50 a month but they will not accept.

Can I ask how you managed to set repayment up with Quickquid ??

Do you mean Quickquids license ?

I am having the same problem with Quickquid, have explained I can only afford £50 per month but they send an email back asking for £200 per month, have reported them to OFT

Not sure what to reply with Rene any ideas please ?

If it helps Payday UK (MEM) were ok setting a repayment plan up and they froze the interest the repayment plan was sorted in 2 weeks pay them by standing order,but only sent emails never phoned them. Quickquid are a real pain.

Recieved this from them now, any ideas ?? Dear xxxxxxx A MiniCredit Claims Department member has replied to your claim, xxxxxx with the following response: The Following Response is being sent to You according to the Formal Complaints Procedure described in the pre-Contract. Microcredit Ltd does not consider a debt to a third-party as unforseen circumstances. This is not our responsibility and You still need to honour the Loan agreement You signed with our company. We hope this response has sufficiently answered your questions. If not, please do not send another email. Instead, reply to this email. Kind regards, Minicredit Claims Department

:-)Thanks for your help Rene, your a gem

Had this email twice today from Quickquid they getting on my nerves now. Sent complaint to OFT Dear xxxxxxxxx Customer xxxxxxxxxxx We received your email regarding your loan balance and your situation has been noted. Collection procedures will continue until an acceptable payment arrangement is made. However we will accept any payments that you make to us, it just will not be set on a payment plan. Please call our Collections Department to set up a scheduled payment plan. QuickQuid Collections Department Direct Line: 0808 234 4561 Fax: 0808 101 1381 Collections@QuickQuid.co.uk www.QuickQuid.co.uk Call free from landlines. Mobile phone companies may charge up to 40p per minute. Terms and Conditions apply. All loans are subject to status and affordability checks prior to approval. All applicants must be 18 or over. QuickQuid is the trading name of CashEuroNetUK, LLC. CashEuroNetUK LLC is a Limited Liability Company incorporated in the United States. Head Office: 200 W. Jackson Blvd., 14th Floor, Chicago, IL USA. Correspondence Address: 483 Green Lanes, London, N13 4BS. Consumer Credit Licence #: 603395. Rachelle M

I received this email from Mini credit, what do you think Rene? Dear xxxxxxxxxx A MiniCredit Claims Department member has replied to your claim, xxxxxxx with the following response: The Following Response is being sent to You according to the Formal Complaints Procedure described in the pre-Contract. Please fill in the hardship application that has been activated on Your online account as it needs to be signed. 1. Why was the repayment not made on the due date? 2. What happened? 3. When happened? The three above questions are necessary to be answered and supported with documentation to see that the loan was originally taken out in good faith and You had the intention of making the full repayment latest on the chosen due date. We hope this response has sufficiently answered your questions. If not, please do not send another email. Instead, reply to this email. Kind regards, Minicredit Claims Department

What is the 1 left is it mini credit ?

I will too

I thought you had to wait so long before doing this

The account was in default with CFO when i offered repayment they didnt accept the first offer but increased it a little. The email I recieved to say they accepted the offer but didnt include what I was outstanding so have emailed them back to ask for a breakdown, lets wait and see, will keep you all posted. QQ are been a real pain one more email and they getting reported to OFT.

Listen to Rene he knows his stuff. Dont let them get to you, I have 9 payday loans have sorted them all now except Quickquid, Mini credit and Poundstillpayday. Capital finance one have agreed a repayment plan today hooray!!!!

Ok thanks Rene will do. Thank you again dont know what I would do without you and others on this site

Have recieved this email today from Mini credit Dear xxxxxxxx A MiniCredit Claims Department member has replied to your claim, xxxxxxxxxx with the following response: The Following Response is being sent to You according to the Formal Complaints Procedure described in the pre-Contract. Microcredit Ltd has activated a Hardship application on Your www.minicredit.co.uk online account. Please log in to Your account follow the instructions and send the application back to us. In order to apply for Hardship status of your account please follow the instructions below: 1) Please fill in your current income details. 2) Please fill in your current expenditure details. 3) Please fill in your creditor details 4) Please review the details. 5) Click Print the form 6) Sign, date and fax the form to 020 7138 2919 7) Our team will need to assess the proposal. You will be notified with the decision within 5 working days to your email address registered with us. We may require documentary evidence of your claims. Please attach supportive documentation which circumstances have changed for You. We hope this response has sufficiently answered your questions. If not, please do not send another email. Instead, reply to this email. Kind regards, Minicredit Claims Department Are they listening now

I am having problems with QQ too, the last email I recieved they wanted £200 per month. I have sent them an email eveyday for a week now but heard nothing except the standard email to say my accounts overdue.

Do you have the poundstillpayday bank details ?