QuickQuid Concerns & Security Issues

[Fisco2k]

Firstly, although this is my 1st post here i have been an avid lurker and have been greatly educated in regards to debt and what the DCA's can and cannot do.

 

Now, on to the first of many issues i have.

 

On the 21st December i took out a PDL with QuickQuid for £350.

 

Before the end of the year i lost my job (its a long story but basically i was suspended without pay on the 13th December for a "disagreement" with a manager, my employment has since been terminated).

 

This resulted in myself not paying the 1st repayment fee to QQ, expecting them to keep trying to take money when i have none i reported my card lost and now have a new one but they still have my account number and sort code etc...

 

I'm currently getting phone calls from them (they sound american) at the rate of 1 per day.

 

This morning i finally told them i had lost my job and he then asked if i was on benefits to which i replied "no, and its doubtful i will be able to claim for 6 months" to which he said i should borrow from friends or family, again i said no and he basically said we'll keep trying to collect on this and ringing and emailing you until payment is received.

 

What would be my best course of action on this? i have no income at all but i could scrape up a few quid a week to pay them but from what ive read they dont accept payment plans.

 

As for the security issue, they never ask for security details, they ask to speak to Joe Bloggs to which i reply "speaking" then they go straight into why they called. i questioned one of them as to why they arnt confirming my identity to which she said "you said you're Joe Bloggs, That's alll we need" so i said "But anyone could claim to be Joe Bloggs" she wished me a good day and hung up!

 

Any advice is greatly appreciated!

 

*OK, so it turns out this isn't my 1st post, just the 1st in nearly 2 years!

Edited January 9, 2012 by Fisco2k

[johnvernon74]

Contact your bank and tell them your bank details have been compromised and ask them for new sort code/account number. Or do you have another bank account you can get any monies paid in. QQ will try to take money out of your account as you would have given them authority

[Fisco2k]

Thankfully it's not an account i keep any money in, it's the only one i have with a visa debit card so i transfer money into it when i need to pay bills online etc...

 

The only money i have in that account is gone on bills within minutes of me depositing it.

[johnvernon74]

Thankfully it's not an account i keep any money in, it's the only one i have with a visa debit card so i transfer money into it when i need to pay bills online etc...

 

The only money i have in that account is gone on bills within minutes of me depositing it.

 

However, they will try and take money out which may result in charge from your bank. Cancel Direct Debit instruction with bank

[ataloss]

Firstly, although this is my 1st post here i have been an avid lurker and have been greatly educated in regards to debt and what the DCA's can and cannot do.

 

Now, on to the first of many issues i have.

 

On the 21st December i took out a PDL with QuickQuid for £350.

 

Before the end of the year i lost my job (its a long story but basically i was suspended without pay on the 13th December for a "disagreement" with a manager, my employment has since been terminated).

 

This resulted in myself not paying the 1st repayment fee to QQ, expecting them to keep trying to take money when i have none i reported my card lost and now have a new one but they still have my account number and sort code etc...

 

I'm currently getting phone calls from them (they sound american) at the rate of 1 per day.

 

This morning i finally told them i had lost my job and he then asked if i was on benefits to which i replied "no, and its doubtful i will be able to claim for 6 months" to which he said i should borrow from friends or family, again i said no and he basically said we'll keep trying to collect on this and ringing and emailing you until payment is received.

 

What would be my best course of action on this? i have no income at all but i could scrape up a few quid a week to pay them but from what ive read they dont accept payment plans.

 

As for the security issue, they never ask for security details, they ask to speak to Joe Bloggs to which i reply "speaking" then they go straight into why they called. i questioned one of them as to why they arnt confirming my identity to which she said "you said you're Joe Bloggs, That's alll we need" so i said "But anyone could claim to be Joe Bloggs" she wished me a good day and hung up!

 

Any advice is greatly appreciated!

 

*OK, so it turns out this isn't my 1st post, just the 1st in nearly 2 years!

They are American, and the drawling accent is enough to wind you up; their selective hearing adds to the wind up. QQ are duty bound to take into account that you have lost your job. Take it to the resolution centre on the QQ site, and head it COMPLAINT. If you were not totally at fault for the 'disagreement' with a manager, you should still try to claim benefits. If the manager states that you were dismissed for misconduct (which is one of 2 options; the other is leaving voluntarily, both of which can lead to suspension of benefits) you have the opportunity to respond to Jobcentreplus in defence of your actions.

[Fisco2k]

Ultimately i left due to illness and i'm now in receipt of incapacity benefit/ESA.

 

It's a long story but basically a family member is a director there so the what's and why i left got "changed".....

 

The last time i spoke with QQ i disputed the amount due around £580 and mentioned that i should and will only pay the loan amount and one months interest to which he agreed and then said it comes to £460?

 

I asked him to send me a letter or email stating this and how they came to this amount (as it still seems wrong to me) and he mentioned something about a setup fee?

 

I have yet to receive this letter or email, what should my next action be? i'm tempted to setup a standing order for £5 per month to the details found on this forum. Is that a good move to make at this point?

 

And what can i do to get them to tell me the amount due? (loan amount + one months interest)

 

Thanks.

[Fisco2k]

As Quickquid are not playing nicely (not that i expected them to) can someone please provide me with up to date details on the information i need to setup a standing order to them?

 

If they're not going to come to a mutual agreement with me then they can have what i can comfortably afford and not a penny more.

[quackquack]

Go on my forums and read up on qq go to the qq site and chat to them tell them u need help as qq are now helping people more than before but dont trust them ever as they raided my account and im rid of them now but yes talk on live chat to them and ask for a payment plan they do them over 3 months and six months xxx

[Fisco2k]

Already tried that quackquack, been emailing them back and forth.

 

The first offer was more than double my monthly income.

 

The second offer was £10 a month less (which of course was still over double my monthly income).

 

The 3rd offer was another £10 less and still double my income.

 

All offers from then on have been the same as the 3rd.

 

I want to pay them but i can't give them what i haven't got. It's that simple.

 

They refuse to give me details to setup a standing order but they have given me an address to send payments to so they'll be getting a postal order every month for what i can afford. That way at least i'm showing willingness to pay and that i'm not just ignoring it.

 

If they don't accept that or kick up a fuss, tough. I'm quite happy to let it go to court where i will ask the amount to be reduced (once they explain there charges and fees) or if they want, a DCA who i will then attempt to setup a payment plan with and the "no, not enough" roundabout can start again.

 

Quite simply, i cannot give them what i don't have.

[willnotdoitagain]

Have you managed to sort out an arrangement with them yet? As I am having problems too

[quackquack]

how have u got on

[willnotdoitagain]

QQ are now wanting £80 per month for 10 months so worse than they offeres before & have sent me an address to send payment a PO box number or I can set up a direct debit or give my bank card details (dont think so)and also this was in the email, Any repayment offer less than the one offered would not pay QuickQuid back in an acceptable timely manner.

[renegadeimp]

They are not allowed to demand repayment terms if you are iin financial difficulty. Terms have to be mutually agreed and not dictated by the creditor. They also have to take into account other creditors you may have plus expenses and not leave you in further hardship. Even if it means they only get £1 a month for the forseeable future.

 

Even if they took you to court (which would be a long way off), a judge would state that to them and also enquire why they think their low priority amount is higher priority than every other creditor you have.

[willnotdoitagain]

Quickquid accept Paypal is this safe to use make payments ??? as they dont give out bank details

[renegadeimp]

Bad BAD idea. Paypal is very unsecure and is regularlyused by criminals, due to how easy it is to launder money or be fraudulant. Not to mention it is very easy to falsify transaction numbers to get guaranteed payments. Plus paypal now requires a valid debit/credit card or bank account attached to it.

 

best way to pay them off is prepaid card that you can throw away if they start messing around, or standing order. If they still mess around, theoretically you could use a postal order.

[willnotdoitagain]

Thank you for your advice I certainly wont be doing that. I thought it was done by email address but they can get your card/bank details can they?

[willnotdoitagain]

You say that it is insecure but how do they get your bank/card details as when paying by Paypal I thought they only see the payees email address. They have sent me an email address to forward payment which I wont be doing but am curious thats all.

[quackquack]

the choices we have to make

Edited April 17, 2012 by quackquack

[sillygirl1]

Sorry but Paypal is not totally secure, it has problems (I've recently experienced one with them that nearly left me out of pocket).

 

If you pay using Paypal get a pre-paid debit card and use that, or get a separate bank account for payapal transactions only.

 

Don't take any chances with any Payday loan company having access to your income.

[renegadeimp]

Paypal is NOT totally secure. Otherwise it would be a popular payment for everything. If you want to pay by it, then its fine, but there are way too many ways to use paypal fraudulently and also for the other party to take out payments. Especially if they ask you to set up a standing order/subscription payment.

 

I've had a paypal account with approx 10k of currency through it since 2003/2004. I stopped using it in 2010 because of the security issues.

 

But it's up to you if you want to take this advice or not. I still contend that the absolute best ways to pay off creditors is either standing order or prepaid credit card.

[willnotdoitagain]

Can I ask what a standing order/subscription payment is please, sorry I am not up to date with this have not heard of it before

[quackquack]

Quick quid will not accept pre paid card ever .nothing is totally secure but i use paypal have done for yrs with zero problems ever and qq will not accept standing order so pAy pal is the best option its as safe as a bank account im sorry u had issues ur self i never have but overall its the best way to pay

[renegadeimp]

standing order is done from your bank to another account. It is a feature for regular payments to another account, but ONLY for amounts that YOU decide and on dates that YOU set. It cannot be changed by anyone else.

 

A subscription payment is very insecure feature by paypal. There are too many reports of people setting up subscriptions to different companies in the same way a standing order is set up, only to find that the amount was changed or that when they cancel it, a few weeks later, they find it hasnt actually been cancelled at all, and payments are still being authorised.

[renegadeimp]

Quick quid will not accept pre paid card ever .nothing is totally secure but i use paypal have done for yrs with zero problems ever and qq will not accept standing order so pAy pal is the best option its as safe as a bank account im sorry u had issues ur self i never have but overall its the best way to pay

 

QQ do accept prepaid cards tho. Every single PDL does. You just write to them or email them with the card details and they treat it as a normal card. If you tell them its a prepaid card, then of course they wont accept as they wont be able to debit the account as and when they like to get as much money as they can.

[quackquack]

I have just recently dealt with qq they will not i repeat not accept pre paid cards or standing order now if u dont want to believe this r go phone them up ok i give advice on what i kbow at that time. End of