Thanks for the comments. I did think that this would be the case but when you are getting final demand letters etc difficult not to contact them.

Hi all, In september i got myself in a position where i applied for a loan with Quick Quid. The loan was approved but the funds never appeared in my account. When i queried this they told me i had put an extra digit into my account number online. to cut a long story short i never received the money after chasing numerous times i got fed up. Got past the rough patch with money and forgot all about it. Now they are chasing me for payment. I have spoken with a manager in resolutions department today and he confirmed that the money won't have been funded to my account but i might still be liable for it????? Is this legally correct?? i explained that all the details i gave were verified over the phone to an operator etc. i thought best to start e-mailing them regarding this. Below is what i sent them today. Walter, Just confirm the conversation we had on the 04/12/2013 at 21:00 in regard to account number xxxxxxxx 1. I explained to you from my perspective what the process had been start (Point of application) to where we currently stand. 2. You confirmed to me that there had been an error made when inputting the account number for my respective banking provider. I confirmed that this appeared to be the case however i pointed out that the process of confirming details by a Quick Quid representative had not picked this error up. 3. You confirmed that the account was being put on hold with immediate effect and that you would be tracing the funds to confirm exactly where they had gone. I have re-iterrated that they were never received by myself and am happy to provide bank statements to confirm this. 4. You advised me that i may be liable for the loan amount even though the funds had potentially not reached my account. I advised you that if this was the case i would seek legal advice as i do not beleive this is a fair and just course of action nor is it a legal course of action. 5. You confirmed to me that you would be personally handling this case and would contact me on Friday to discuss the findings of your initial investigations. 6. I advised i would be able to take a call from you on Friday evening but that i would also like correspondence via e-mail now to ensure sufficient information is available to both parties as at present only Quick Quid have a record of correspondence. To pre-advise you i will now be following every phone call with an e-mail detailing what i believe to be the main bullet points of the conversation. I would appreciate confirmation back via e-mail that this is correct and a true reflection of the conversation had. If no response is received within 48 hours of the e-mail being sent i will take this as acceptance that it is a true reflection of the conversation. I look forward to your response and will update via e-mail as and when i have further information to add to this case. Regards, Anybody have a view on this?????