That's rather nice of them. And rather pointless. Did QuickQuid agreement a payment plan with you in writing? And how much have you paid them in total to date?

PDL companies are low priority creditors, so personally I'd offer what you can pay and then stuff them if they whine about it. At the end of the day, you can only pay what you can pay, it's not like you can magic money out of thin air. They don't need any proof of documents. And they certainly aren't entitled to them (they can ask for them, that's their right, but that's about it). But hang on in, there are far more knowledgeable people on here than me that can offer all the help you'll need to deal with them

Please do, because like Nao's pointed out, the time line just does not match up. And if they're lying about having a CCJ actioned against you, then it's not just a case of a slap on the wrist

But I thought if it was taken to court, the court send you notice of the hearing?

I'd ask them which court and what date gthe hearing occurred, and check with the Court. And if they're lying... Well that's pretty darn serious

When did they take you to court?

It shouldn't, a direct debit can only be setup if you expressively agree to it. If you want to be ultra careful you can get a prepaid debit card, which you fund before they take the funds. There are some free ones out there, but I personally haven't used them

Oh, the only way to get a direct debit setup is with your authorisation, which they wont have from you making a payment. Even with a standing order, they would be able to get your bank details, they just don't have the access to make the request themselves

The standing order should leave after the wages have hit the account, but it depends on the bank. With a direct debit, you're granting the other person access to your account, and an agreement that they can change at any time. It's why the payday cretins want a DD setup, so they're in control. A standing order or bank transfer doesn't setup any such agreement, it's you making a payment to them, and puts you in control. Which is why they don't like giving you their details. So long as your bank isn't inept, a standing order or bank transfer will not give the receiving party access to your funds on their terms.

Glad for you both, however irishgirl, unless you need your funds in your account to pay bills, I'd think about withdrawing them. Santander are utterly useless (and worryingly I'm with rbs... So guess who my account is being moved to. Should be interesting if they try and screw up my account). And don't forget about ccm, because what they did borders on theft. Which isn't all too surprising, but nevertheless disgraceful. Still, at least you both got your refunds

That's an interesting email they've written. You'd have thought they'd been to court and won by reading that (another little tactic Pdl's use). You've got proof you've paid them and you've kept all correspondence so if it does go to court, you're half way there. As renegade has pointed out, they want meditation outside of the Court, because once it gets to court they know it's likely they won't see a penny. It's not your fault, companies like safe loans are utter... Well I won't expand on that. They send out threats by emails to get people to call them just for the pleasure of being bullied into giving more money.

I had to laugh at the miracle cure tea part

If you've had a loan with another pdl using your new bank details, then that's where they'd have got them from. I'd put the account into dispute and if possible check to see if any money was paid into your old account. And I am wouldn't enter into a repayment plan, as this would be seen as acceptance

More like ccm are using lasker to obtain the money and fein innocence. Pdl's aren't well known for playing by the rules. I'd like someone to get in writing from ccm that they have no connection to lasker. Because then they'll either admit they do, or send out a letter that could bite them on the whatsits

You only owe them the loan plus one month's interest, which you've paid. If (and it's a huge if) it does go to court, then that's likely what the judge would claim you'd pay. If they want more... Well good for them. I'd like a date with the red head off doctor who, but it ain't going to happen

The sooner these cretins get regulated to the extreme the better. Not a single company is held in high regard and for very good reason. They merely bully anyone they can do, and in the face of someone not backing down, they just go into the usual routine of sending out repeat letters with random amounts added to the total

I'd get onto their data controller and also raise a complaint at that. It's a clear breach of data protection, however I doubt they were recording the call and wont own up to it. But it's shocking to say the least

I'd also be careful of using the phrase "without prejudice" incase it does actually go to court. But I'm with Renegadeimp on this, you've paid them so tell them to get stuffed. As nicely as you want.

I thought Wonga were trying to behave these days with their application for a banking license?

I work for a brokerage firm so I know of them in regards to reverse takeovers and such... however I wouldn't know enough regarding who would need to declare what in terms of tax and profit. Cash shells are quite common on the AIM and plus markets (even though regulations around 2005ish were meant to make life a little more difficult... all that did was increase the amount of cash they had to appear to operate with), but beyond that it would be speculation. Feel free to drop me a message though if you think I might be able to assist though

Actually thinking about it.... even if they were just doing a redesign I don't think they're even professional enough to put up a holding page. Unless they hired a more advanced monkey for a day or two

They wont be redoing them, as they'd have a holding page. Same for if they were moving them, they'd keep the old domain for a short time to redirect people to the new one. I suspect the server's c**ped itself or something even more fun

Sometimes I almost wish I had an outstanding debt with these utter dribbling cretins, just so I have a reason to actually call them. I work in a financial capacity and thus deal with complaints over the phone on a daily basis and it's shocking at just how much the PDL companies flaunt the regulations they have to abide by compared to the legit companies out there. But I certainly know I'd be able to tie one of their telephone baboons up in knots, which would really appease some of the irritation they cause me (and I don't even have a debt with them!). Mrs Rogers, the one thing to remember is that they feed on the fears of people who don't know their rights. It's why they word their letters in the way they do because the majority of people will just pay anything to make them go away. And the way they act on the phone is nothing short of disgraceful. It's easier said than done to ignore them, but so long as you keep their letters, and keep showing intent to pay off the debt (at whatever rate YOU can, not what they demand you can) then if worse comes to worse, and it ends up in court... well it'll most likely fall in your favour. As for bailiffs, well there's more chance of Elvis winning the next US elections than them showing up at the moment. You're going to get more letters, texts and they'll probably try and call you. Because they think they can scare you. However you've two things on your side. 1) the people in this place are extremely helpful and knowledgeable 2) you know their threats are full of hot air.

Great to hear, and I'll bet a little weight off your shoulders However make sure you only pay by standing order, because if they get any card or bank details PDL companies sometimes treat a repayment plan as optional, even after they'll agreed to it. But, keep up the payments and there's sod all they can do. Hope you have an even more relaxing weekend this time!

How was the £70 agreed, by email, letter or telephone? And where did they get the extra £241 from? I'd love to know how they can justify what they've done. Using another trading name to offer a loan just to get more money out of it. I honestly sometimes wish I had a loan out with one of them, just to give me a reason to call them up and give them hell.