Tele No 0845 722 4499 Our ref Epic/Enq/E/135621 Fax (020) 7211 8877 Date 22 October 2012 Email enquiries@oft.gsi.gov.uk Dear Mr Groves Consumer Credit Act 1974 (the Act) Complaint Against: Northern Debt Recovery Limited, Casheuronet UK trading as Quick Quid, Wage Day Advance Limited trading as Wagedayadvance Licence No: 631166, 603395, 623347 Thank you for your email received on 17 October 2012. I can confirm that the business you mention holds a consumer credit licence. Under the Consumer Credit Act, holders of consumer credit licences must be fit and competent to do so and the Office of Fair Trading (OFT) has a duty to monitor the fitness and conduct of all traders who hold such a licence. The OFT has issued guidance to consumer credit licence holders engaged in the debt collection industry. The guidance is intended to ensure that debt collectors treat individuals fairly. Non-compliance with this guidance will call into question the fitness of licence holders and applicants. You can view our guidance at: http://www.oft.gov.uk/advice_and_resources/resource_base/legal/cca/debt-collection We have therefore recorded the details of your complaint, and we will consider this alongside any other complaints we have received with a view to any consumer credit licensing or other action we may decide to take. If we do take any action against this trader we may need to contact you again in the future. Unfortunately, we cannot disclose any details about any action we may take, due to legal restrictions on the OFT relating to disclosure of information. While we are very sorry to hear about the difficulties you have been experiencing, the OFT has no authority to become involved in individual disputes between consumers and traders so we cannot advise you directly in this matter. The Financial Ombudsman Service can help with most complaints about consumer credit products and services if the consumer has failed to satisfactorily resolve the matter directly with the consumer credit licensee itself. The Financial Ombudsman Service can be contacted at: The Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9SR i have received this email from oft can you make any sense of it it looks like ndr have a license so part of the forums reports are incorrect can someone please advise regards

I have had a reply from oft today ndr are licensed but oft are looking into it 15 lyndhurst terrace is a garage so i have been informed so they have reported it i also have reported it all to fos awaiting there reply

thank you for your help i will do as instructed regards

helllo there further to your reply, the threatening texts and the letter i received was to related to a loan taken out from quick quid / wageday advance on the 12/10/12 which i have never , the balance they say is owed is £420, plus any charges they want to add, then yesterday i received another email from motormile regarding the same debt, and was for £776.00 of which they would reduce the balance if i send them £350.00 i dont know where this has come from and its getting a joke now, i have tried contacting motormile via email not phone has was instructed and i have not heard anything ! i would like all documented proof of this debt but they have not replied has yet, i have read various stories about ndr which the letter was from and they have dodgy reports you cant email these people because they bounce back and i will not ring them i did that once and suffered verbal abuse, and it cost £11.00 pound in phone calls according to my bill. so i have reported these ndr people and motormile to oft and awaiting a response, the address i was given above also is false, and the mobile number is wrong, 15 lyndhurst gardens hampstead is not the address for ndr has my sources tell me, so how do i get these people of my back and to stop making threats to me and my family? oft seem slow but i guess they are very busy with other complaints, any advice would be great, i hope this is more detail for you has you requested regards

helllo there further to your reply, the threatening texts and the letter i received was to related to a loan taken out from quick quid / wageday advance on the 12/10/12 which i have never , the balance they say is owed is £420, plus any charges they want to add, then yesterday i received another email from motormile regarding the same debt, and was for £776.00 of which they would reduce the balance if i send them £350.00 i dont know where this has come from and its getting a joke now, i have tried contacting motormile via email not phone has was instructed and i have not heard anything ! i would like all documented proof of this debt but they have not replied has yet, i have read various stories about ndr which the letter was from and they have dodgy reports you cant email these people because they bounce back and i will not ring them i did that once and suffered verbal abuse, and it cost £11.00 pound in phone calls according to my bill. so i have reported these ndr people and motormile to oft and awaiting a response, the address i was given above also is false, and the mobile number is wrong, 15 lyndhurst gardens hampstead is not the address for ndr has my sources tell me, so how do i get these people of my back and to stop making threats to me and my family? oft seem slow but i guess they are very busy with other complaints, any advice would be great, i hope this is more detail for you has you requested regards

Thank you very much for your help are these people for real ? I will be sending them a letter asking for an explanation once again thank you

Well ndr have sent 3 texts of threatening nature saying that i have not contacted them in either email letter or phone call so they say they are going to pass files onto solicitors and bailiffs then take goods from my home to the value of 9 times the balance. I have not taken out a loan it says the debt was from quick quid / wageday advance i have only heard of these people recently and they are sharks according to people on the forums. I have kept all the emails and the letter they sent as evidence i would send them a letter from a solictor to if only we knew where there offices were i hope this helps Regards and thank you

I was only joking it just makes me angry that no one seens to know where they have there offices the company that are chasing me are northern debt recovery and after reading through the forums they seem to be popular any advice would be good Kind regards

hello to all could someone advise me of my situation, i received out of the blue a threating text from northern debt recovery stating that if i dont contact them asap they will send baliffs round to empty my house there were other things in the text to, they said i took a loan out on the 12/10/12 thats amazing because i have been unemployed for 6 months now i am an x policeman, i had to leave for medical reasons, so i was shocked to receive this so i replied and guess what it bounced back, so i tried to find out there address and with my contacts i still had trouble simply because they are not where they said they were, these people are invisable, i since had another text and a letter, i have replied to the address that i have found through colleagues research and sent all 3 a kind letter (not) but still had another text saying that they have passed on my file to solicitors and bailiffs, and a doorstep collection would proceed, i cant wait for them to turn up, i am 6'5" and 20 stone, if they turn up i will bury my size 13 foot where the sun dont shine. so after all that has anyone got any idea where these people get off, and a possible address so i can arrange a visit for them ? this makes me laugh but makes my family worry that someone will turn up when i am not there, i have been told to report these muppets to oft but i have trouble finding theses ********s how can oft trace them? thank you all any advice would be great