I just wanted to know if its true what they say and isnt there a way around it so i can just pay the £60 a month until the balance is gone ? Hello! Thank you for choosing QuickQuid, where if approved, get cash sent to your bank account within 10 minutes after approval, 24/7. A representative will respond to you shortly. You are now chatting with Antoinette. Antoinette: Thank you for contacting QuickQuid. I'd be happy to assist you with any questions you have. Before we start, can you please verify your full forename, surname and full date of birth? Me: Hi there i contacted your company by email a couple of days ago but i have had no reply. I have had a drastic change is working hours and im income has dropped significantly so i can no longer afford to pay the partial or full amount, i have worked out my income and i can afford to pay £60 per month only. if my situation changes i would be happy to pay more but until then this is all i can offer. my phone is also gone so i can only be contacted by email or live chat Me: My Name 17th XXX XXXX Antoinette: Thank you for providing that information. To fully access your account, can you please confirm your post code and one of the following on file: your email address, phone or customer ID number? Me: ABC DEF Me: XXXXXX Me: im not sure how to find my customer number Antoinette: Thank you XXXX and I am sorry to hear of your change in income Antoinette: I do apologize however we do not offer payment plans on flex credit loans which is why you are given the 10 month option at the time of application Me: Oh im sorry to hear that, well unfortunately i cannot come up with the £277.29 its asking for so im not sure what to do Antoinette: How much are you able to pay towards the loan today? Me: nothing unfortunately, my card has been flagged for fraud and i have just phoned them but they have to send me a new debit card and pin out Me: he says 5-7 days

Okay so ive not had many this year, but I have held a QuickQuid account for a few years, for short term loans, never missed a single payment etc. On September 28th I took a loan out of £50 with interest £62.50 due to be repaid on Friday 11th October, however the Tuesday before this I was laid off in questionable circumstances from my job, subsequently my wages were not paid into my bank as expected on the Friday. On the 13th of October I emailed quickquid explaining my situation and stating I had no monies whatsoever coming into my bank until I can find another job or sign on, in the meantime I am seeking employment and awaiting a benefit date but please bear with me until I can agree a payment plan and rest assured you are a priority creditor. I recieved a notice of overdue payment on the 14th, to which I re-sent my original email. I recieved an acknowledgement the same day to my email stating I need to contact them. I replied to this email explaining I havent a penny not even phone credit or a means of contacting them presently only email and to please give me time to sort my monies and benefits out to begin payments. The usual acknowledgment email was sent on the 16th October... Today my car insurance is due, luckily my mother had transferred the money into my account (to repay when I find work) as its due by direct debit, closer inspection of my bank statement those sickos at quickquid have been trying constantly to take money out of my account, they managed to take £15.90 on saturday and the remainder of my balance has also been taken out today Monday, I recieved the automated email saying thank you for your payment your account is now considered cleared. I now have no money for my overdue car insurance, as far as I was concerned these payments were unauthorised and very unethical!? Im not sure where I stand on this, im extremely annoyed and now worried, without a car I cannot seek work or attend interviews or begin work (trainee electrician).

What can I do if the above company will not accept that 250 the apparently paid into my account didnt actually arrive? Yhry paid the money into an account that was closed in 2012. I have sent them the closure of account confirmation and also a letter from the bank saying they have not ever received the 250. They issued me with a default and Im fuming that they are messing me around. I have jumped through hoops for them and proved that I never received any funds. How can I resolve this and get the default removed Cheers

Hello all, I am looking for a bit of advice. Back in 2011 I took PDLs with Quickquid, Wonga and Payday express....I defaulted on these loans and have never paid them down, they are still chasing me today (I am currently entering a DMP now though). However in February/March I was, stupidly, looking for further borrowing and was granted loans by all 3 of these companies. I thought it might have been because I am at a different address now, however while checking my credit file it shows that my original debts and the new ones with these companies are all tagged on my credit file together, so they should have been aware they were lending to one of their longstanding defaulted debtors. Now I know it was stupid of me to borrow more from these companies, but as a question, does this kind of lending not breach their responsible lending policies? As I am clearly someone who cannot manage debts, plus each of them have lent me up to 3/4s of my monthly income?

Hi, I have a loan of approx £1300 next week due to repaid to quickquid. I just cannot afford to continue to repay interest on the loan so I am going to stop now. I am so worried that they will contact my workplace and demand money, I am going to email them with a very acceptable repayment plan which I hope they will agree to. Has anyone have experience dealing with this company? I fear the worse being honest. I will get my wages to be paid into another account so I should be okay but I just want to get an agreement with them and get on with my life.

Before I start trying to negotiate with QuickQuid, I wanted to post here and see what other people advise. I have an outstanding loan with QQ which I've defaulted on. The loan amount was £650, plus the month's interest which was £150 or so. I arranged a payment plan with them, or rather, they arranged one with me which I agreed to. At the time £200 a month to repay the debt was better than £160 to just roll over and try and knock some off each month. I paid the first £200, then I had some time off sick in December, and I didn't know I wouldn't be paid for it so QQ's payment defaulted, though they still cleaned my account first of £45, then £35 the day after. I've logged onto the site and agreed to pay the rest of this month's payment, £135 or so when I get paid. So my original debt will be cut in half from £800 to £400. How easy will they be to negotiate a new payment plan with? Because £200 a month is a lot for me to pay, and I've ended up having to get a couple of £100 or so loans from other lenders. I don't want to pay off QQ and still owe £800 across 2 or 3 others. An ideal amount would be £50 a month, but I don't know how realistic this is. Can someone whose been in the same situation or similar share their experiences? Thanks

Hi All, Just thought I would share a very positive experience with Quick Quid, I have had a few loans in a row with them now and I owed £950. It's not that I went out of control I just rolled them over, paid them off and then took out another. Well an unexpected car bill this month seen me unable to pay the balance so I called them, After speaking to someone in the call centre and explain difficulty, They arranged 4 monthly repayments, No interest no charges and starting from next month to give me some breathing space! I phoned straight through to collections never bothered with Customer Service BEST BIT IS I DONT EVEN DEFAULT UNTIL TOMORROW and they still created a payment plan and have it in writing too via email. For one of the big companies I was very taken aback by the service! Wishing I done it sooner now!

So where to start? Had a few loans from QQ in the past without any problems. After paying off my last loan of about £100, Quickquid decided to commit fraud and pretend that I applied for an 8 month long loan (On my payday) for £850 which would cost me over £2000. (No, noone knew my 10 digit password with 3 capitals, 4 numbers and 3 lower case characters and no I have not been keylogged or anything of the sort.... Only quickquid have access to my accounts, all my PDL accounts use the same password and have had no problems with others... I have since changed them) Luckily, I saw the emails coming through, contract information, loan confirmation, payment.... So I called my bank and locked my account immediately. My bank advised me to do a direct deposit into the creditors account to give them their money back after speaking to them. So I called quickquid and explained, the first lady on the phone said that I would be liable for this. I obviously went crazy, told them a few home truths, got passed from call operator, to supervisor, to a manager and also the fraud dpt. So, Quickquid obviously want their money back and I obviously want to get this crap out of my account and put it back in theirs. Quickquid have said they will not allow me to transfer the money, do a standing order or postal order or anything of the sort. The only way they will let me pay it back is me unlocking my account and card and letting them process a payment as normal. After what has happened, I do not trust them with my bank details or my card details I have had their staff telling me I am liable, that I would still owe interest etc etc.... I have their bank details - CashEuroNetUK Sort Code: 20 19 90 Account number: 03759830 But QQ said they will not accept payment through this, only from my card.. What can I do ? Do I legally have to give them my bank and card details again after their mistake/intentional fraud against my account ? Could anyone help me with ideas of how to word this to them with their small brains grasping what I am trying to say? - Where do I stand? Many thanks in advance!

Hi all, please see attached picture from my conversation with QQ this week. I basically blagged them on the live chat service to confirm there bank details (they are the ones that have been posted on here a few times with people questioning whether it is actually there bank) I can confirm that I sent them £0.01p and it registered up off my account within 3 days. Attached is the conversation I had on LIVECHAT. Hope this help a few people - NEVER give them your debit card details or bank. They will set up direct debits without you knowing and take payments from your debit card or attempt to on a daily basis if you are in default! [ATTACH]43700[/ATTACH]

As close friend of mine asked me to seek advice on this forum for him here goes. He recently took a payday loan with a lender called quickquid. He failed to pay the debt back and the interest heaped up. After several attempt of trying to get the money of him quickquid sold the debt onto a debt collection agency. Im not 100% of their name but can find out if its important. I imagine there the same as the rest. They've been harassing him everyday now for the last couple of weeks and he isn't sure what legal right this company has. Are they allowed to keep pestering him and can they turn up at his property?. I'm pretty sure they need to go to court to be able to enter his property but arent 100% sure. Looking for some good advice here (PS he knows hes and idot, i've told him enough times!)

QuickQuid say this about their rollovers: "How QuickQuid Loan Extensions Work By extending your loan, you will only owe a finance charge on your next pay date, not the principal of your payday loan. The principal of your existing loan will be 'rolled over' into a new loan and you will be charged an additional finance charge. This will allow for you to wait until your next payday to pay off the full amount due on your loan. If you have a one-period loan, you will be able to extend your loan a maximum of five times. If you have a two-period loan, you may extend your loan a maximum of four times." This means that if somebody uses the maximum five extensions on a one-period loan, they could get six defaults without borrowing any more money than what they borrowed in the initial loan! All they have done is extended the time they need to pay it back. Indeed, on another site I post on somebody has posted and has received two defaults when they only took out one loan; one for the initial debt and one for the rollover. Surely this can't be legal? Is it just a way for them to add lots of default fee charges to the debt? Thank you in advance for any comments.

Hello, I'm writing to QuickQuid to try and arrange a repayment plan for my loan, however after reading this website for a while I have some questions and I was wondering if someone could read my E-Mail to give any constructive criticism. Why should I E-Mail QuickQuid rather than phone them? Is it appropriate to call them to make the arrangements and then E-Mail them to confirm? Is there any law, bill or statute I should quote if they disagree with my plan? Or anything else I should say to assist my request?

Need some advice please regarding a payday loan that i took out with Quickquid in 2009 & couldn't repay. I contested the charges & placed the account in dispute. QQ went quiet & to be honest i forgot about them, until last year when i started receiving texts from Mercantile. Had letters & further texts & emails saying they had taken over the debt & how i was due a home visit. Never did show up. Last night i received an email saying that Motormile are now dealing with the debt & today have received a pre default notice & a home visit which is being booked . I ignored Mercantile due to placing a dispute with QQ who never answered my letter over the charges. Have now received my 1st text from MMF saying they are now collecting the debt due to Mercantile & i have to contact them urgently. Tried signing up to noddle to get a free report to see if QQ have a default, but for some reason they can't verify who i am despite being at the same address 21 yrs. Do i ignore MMF like i've done the others or do i engage in writing.

Hi all, Due to a change in job and pay date I found myself in the position where I couldn't afford to make any repayments with the above companies so I decided to break the endless cycle of payback, loan, payback loan. All 3 were due payments on the 15th Feb so all 3 were emailed on the 12th with my offering of payment plans that I could reasonably afford with out getting myself in any more financial trouble. After the initial rows about not wanting to discuss anything on the phone and only wanting to talk via e-mail this is where I stand with each one. Wonga - have been pretty useless so far, always seem to get standard responses telling me to log into my account and fill out the Financial Assesment form. This form doesn't exist on my account so have spent the last week in an endless cycle of telling them there is no form, them telling me to fill out a form etc etc. Had a letter and another email from them today telling me I need to pay so I emailed again stating my wish to set up a payment plan and that i do not want any more generic emails telling me to fill in a form that doesn't exist. My question is how long do I continue in this loop of getting nowhere before I try a different approach, and what should my next step be if I keep getting nowhere? QuickQuid - As I have only defaulted on the first initial payment they are refusing to set up a payment plan for the total amount until I default on that next month. I've told them im not happy about this but again I seem to be stuck in a loop of them telling me they cant do it and me insisting that they do set up a payment plan on the whole amount. Also they are insisting on bank details which I am refusing. Again, what should my next step be? Mr Lender - These guys have been the most fun so far. I missed a rollover payment of £90 on the 15th Feb, they are insisting on a "token" payment of £90 before they setup a payment plan. I've pointed out the stupidity of this to 4 different people now (if i had £90 surely I would have just paid the rollover???) today I get an email saying that they will accept £45 token payment. Again I tell them i have no money until payday and that the practise of asking for a payment to set up a payment plan seems highly dubious. I offered a £1 token payment in jest which was politely ignored, this led to an email form them saying "they have offered me a payment plan on numerous occasions which I have refused to accept, if I am not willing to make a payment then interest and charges will continue to acrue on my account until I do make a token payment and set up a payment plan. If there is no payment to my account after 8 weeks they will pass the debt on" I politely pointed out that they have not offered me any payment plan whatsoever and it is them who seem to be refusing my offer of making payment. I also mentioned that I find there methods highly dubious and that if they do not allow me to set up a plan I will be making a formal complaint to the OFT, Trading Standards and the Ombudsman. During the complaint process I will not make any payments to them until the issue is resolved. Again my question is.. What next? I've cancelled my card and informed my bank not to allow any payments by these companies, i've also emailed all 3 explicitly refusing them permission to take any money from my account. These debts used to keep me awake at night but I am actually quite enjoying the email exchanges now knowing that I am trying to do something about it and these idiots are the ones making it difficult for themselves to get there money back. Any advice would be much appreciated, as much as I am enjoying it I would like to get these plans set up so I can clear the debt off

I just got a new monthly report from Noddle.co.uk to find that their entry has disappeared. Does anyone know what it means?? Its no longer showing on noddle, and im not paying for equifax to have a look as i used the free trial, and already use experian but it doesnt show on experian

Hi Guys, I've posted before and have currently got repayment plans set up with 6 of my lenders at the moment, but unfortunately I am heading for a repayment due date for quickquid. The amount is absolutely way too much for me to afford so I am looking to set up a repayment plan over 8 months or so. I already had a pre-default plan but stupidly I got myself right back into the mess as it seemed like the only way out at the time. I have been on the live chat and the person told me i would need to contact collections on the due date to discuss. What would that actually entail - anyone been there done that?? I have sent in the post today a letter revoking CPA and advised my bank the same. I also cancelled my debit card and reported stolen/fraud so have all new card numbers etc which QQ have no record. Do I have a hope in hell of getting a way out of this mess via a repayment plan with QQ? I'm talking about £1200 over 8 months. I am really hoping some of you guys have had some success. Thanks for reading!

Hello there, I do hope some of the great members of this forum could help me out! Basically I've been really stupid and have amassed a large amount of debt with these three pay day brokers, I've somewhat come to my sense now and have realised I cannot keep paying off each loan with a brand new one! I have sent emails to each othe the three companies in question, so far the only response i have recieved is from Wonga, who have told me that i have to wait until the due date to set up a repayment plan. I'm sure you can tell this is very stressful and i have absolutely no experience or idea of what these companies can give/ask for? So any advice would be golden...

Hi guys, I have a QQ loan for 700 with 140 interest to be paid. QQ rolled my loan over with a second loan which i did not consent to and applied a 12 charge. they claim my outstanding balance is now 1004. My account has been sold to M/Hall. who are requesting payment of 1004. i am now in a comfortable financial position where i am looking to clear old debt and try to improve my credit score. i read on here somewhere in the past, although i now cant find the thread, that when you repay a payday loan you are only requiered to repay the original loan and interest. is this the case? Thanks in advance

Im having trouble with QuickQuid and the information theyre providing to the CRA. I use Experian but quickquid doesnt show there so i registered with noddle. According to QQ i owed them 1678 when my original loan amount was 1000 but i only owe 842 now, so i contacted them to be told they will update it and also to raise a dispute with noddle. So i got new noddle report couple of days ago, and it says i owe 1397 and theres no update received on my account status but i entered a repayment with them which began on october 2012 but according to my credit file, it says ' AA' early arrears whatever that means!! Im so frustrated cos im sick of complaining to this company and raising disputes with them!! They messing up an alright credit file what else can i do?

Hi, Firstly it is quite reassuring to see so many people viewing the forum, so I guess that I'm not the only Idiot who has found themselves in a big hole though borowing from these cowboys!!! I don't need telling how stupid i've been. I borrowed initially to make emergency car repairs so i could get to work, overtime had been laid on so I was confident I would have the cash to pay it back and hopefully never need their services again!!! I am on a DMP with CCCS so my budget is tight and I souldnt have taken on these loans as it may jepordise the DMP (again I am a stupid Idiot). The overtime was cancelled, and the snowball started its journey down the mountain!!! As it stands I have a total outsanding debt of £636 with Quickquid and the same again £670 with Wonga. The Quickquid loan is a 2 part payment with an installment due on Thursday which I can't afford to pay... hence I have LOST!!! my debit card and cancelled my direct debit instruction... I have been borrowing from one to pay the other etc... this seems to be a familiar story... This is what i plan to do and any advice from anyone would be gratefully accepted. I will write to both Wonga and Quickquid (by recorded Delivery) offering £700 each as full and final settlement of the debt on the basis that i can pay 35 x £20 weekly payments through standing order to their nominated bank account.. I'm offering more than I currently owe as a gesture of good will and in the hope that they accept this amount as the absolute limit of the debt????? I get paid weekly and the tightening of my budget is a small price to pay compared to the stress and worry of defaulting on the payments and the harrasment that inevitably follows. Doe's anyone have any experience of having made a succesful offer of a repayment plan to either of these companies??? Does anyone have any advice of how the letters should be worded??? Maybe my plan is completly 'leftfield' and i'm barking up the wrong tree!!!! Any help or advise would be most appreciated. Thanks in advance. A

My missus has been getting herself into a fair bit of debt. I have just found out about 2k of catalogue debts that have gone unpaid since last year and now mackenzie hall trying to collect £280 for Quickquid. My missus tells me that she paid the debt in full of £280 but as she paid late she is being pursued for another £280 which seem pretty hefty. She has agreed to pay £50 a month to the DCA but i am don't think she has signed a direct debit. My question is, can they honestly get away with charging you the loan all over again because of late payment? Can i see CCA this company and see if the debt is enforcable and what impact will this payment to Mackenzie hall have on the debt. There is absolutely no way that paying the debt all over again can be right because of a late payment. (This of course is if my missus is telling me all the details).

I've recently received a claim form for a debt originally with Quick Quid and then assigned to Motormile Finance, MMF is the Claimant and it's been issued by Optima Legal. I've heard about enforcability issues with Quick Quid in the past, is that still the case? Any help would be appreciated. Thanks

Sent QQ a postal order to their correspondence address, as i now found out, and they signed for, and received it 01/10/2012. It is now 19th and they are saying, via live chat, that it is still not been received and posted to my account. I asked them if they could call them at in London at all, and she told me that theyre in the USA and do not know if a payment is received or not in the UK. So i had a repayment plan in place, and now i have decided not to adhere until informaton reguarding my postal payment is received and so i have cancelled my direct debit. I now would like to report them, if i can, but i dont know who to? OFT, FSA, Trading Standards, who?

Hi All, Just had a very frustrating conversation with someone at MRS Ltd. Basically my partner took out a QQ loan back in July 2011, we ran into difficulty as I lost my job and subsequently informed them and started the DMP process for all our creditors. Anyway all but QQ replied and agreed to our offer of payment. We kept sending QQ letters/emails offering payment and was receiving no response, not even one to say they were coming after us. Eventually we stopped as they weren't bothering us. Fast forward to May 2012 and we finally received a letter from MoorGroup on behalf of QQ, we replied to them and they didn't reply. We sent one further email and still nothing, not even to chase. Fast forward to beginning of September, we received a letter from MRS Ltd explaining that they were about to start litigation. At this point they hadn't mentioned a creditor or the amount due, so we ignored them. A week later we received the same letter with a deadline on it, this time with creditor details and amount due. They are working on behalf of QQ. We sent an email detailing an I/E form with offer of payment. A week later (beginning of last week) they sent an email (they hadn't done this before we sent them one) giving us a new deadline. My wife replied asking if they received the previous email.......again nothing. On Monday this week another email giving us another new deadline.....again we replied and received no response. Today (which is not past the previous deadline) they emailed again saying 'We have taken the relevant steps to verify your current residential and employment status, and are aware of no legitimate reason as to why your account has not been paid' and they have threatened to sent a Field Collector round. Anyway at that point I started to get slightly angry and my wife informed them to call me. I decided to get there first as they were p***ing me off. After taking a while to confirm that I had authority on the account, I explained that we had sent a number of letters and emails explaining the situation and offering payment. All I got back was that the debt is 13 months old and they are going for a CCJ. I must've then hit a nerve because I repeated what I had said previously and got a different answer, this time a threat that they were going to make my wife bankrupt. At which point I again repeated myself, he then asked me if we'd made an offer of payment, I replied yes and gave him the amount. He then said 'see you in court' and put the phone down. No other words, just them 4. Sorry for the rant but they have made me quite angry about this :mad2: Not sure what my next step is apart from waiting for the paper work. Should I expect any? Are they just hot air or have they ever taken someone to court?

I had some trouble repaying 1000 back to QuickQuid and so i contacted them after having to extend the loan twice, and paying 200 finance charge each time i extended, and they said they would otake me into a repayment plan over three months at 333 which at the time i accepted cos it was less than 1000. The first installment is due on 28th September 2012,in which i will be paid from work but i just cant afford to pay 333 as i owe 265 to wonga also. I have deleted the direct debit to them and checked my bank account to check if they have ever re-instated the DD which they havent up to now Once i deleted the DD i received an email saying my DD had been cancelled and I need to contact them as a payment method is required and if i wanted to pay by Automatic Card Payment rather than DD then they need me to authorise that and give them my card details. i just ignored the email.. Not long ago, I spoke via LiveChat on QQ website, and they told me they cant accept a lower repayment as im already entered into one, and to call their collections department on the 29th as the loan will be in default. Can they still take the money from my bank even though theres no DD and i havent given them any authorisation? The reason i ask is because if they do, it means i will be unable to pay my council tax direct debit which is meant to leave my account on monday 1st october.