Quick Quid **

[tabba012345]

Was wondering if i could get some advice. A very good friend of mine has recently taken out a loan with the high interest money lender quick quid. Over Christmas, skint, she borrowed £300 for christmas presents and to help tie her over until pay day. She missed a payment one week after another debt was take direct debt. Since that point they have been hassling her almost relentlessly for the money. The repayments and interest are going thru the roof. Worse still she is getting constant hassle from them about paying it back. Without going into to much detail she has had some mental health issues and is not exactly well versed in dealing with these ruthless finicaers. I have offered to step into try and help but if i am honest i do not really know what to do. the threats have become much worse in the last week with one of the phone jockeys threatening to have the baliffs come take her kids christmas presents away. If anyone has got any soultions or any ideas on how to help they would be very much appreicated. If you have been thru this particularly if you live in London (where you might no of sympathetic mp's or councils or indeed institutions that could help then please message me on here.

[sea-sidelady]

I have moved your thread into this forum as you will get the advice you need in here.

[Jamesck]

Hello my friend, don't dispair you will find the answers here in this forum. You are not alone so many people in the same boat. As for bailiffs coming round as far as I understand they can only do that with a court order after taking you to court. They do not have right of entry either unless you have let them in before. These people use scare tactics because most people do not know their rights or the law. Just search this site, everything you need to know is here.

[sea-sidelady]

As for bailiffs coming round as far as I understand they can only do that with a court order after taking you to court. They do not have right of entry either unless you have let them in before. These people use scare tactics because most people do not know their rights or the law. Just search this site, everything you need to know is here.

 

Absolutely right!

[robjam1969]

Hi Tabba

 

Don't worry these people are easily dealt with. The phone chasers will tell your friend anything as they do not understand UK debt laws (being American). For example they sometimes say they will put your details in the local paper - doesn't work that way in Blighty!

 

Make sure direct debits are cancelled and if they have your debit card details that you report card lost/stolen and get a replacement with a different number on it. They will on occasions reset direct debits so you will need to keep checking so you can cancel if need be.

 

You can then negotiate, but only in writing, e-mail fine with this lot. They normally accepy a payment plan over 3 months and if not they will pass to a dca in this country which is not so bad. Easier to negotiate with than QQ themselves.

 

Remember not to talk to them. They can only have what your friend can afford.