QQ

[Gab2011]

Hello!

 

After many emails and letters I have sent to QQ I have finally received an answer:

 

The maximum repayment schedule I can offer is 12 months. If we agree to 6 months at £20.00 a month the additional 6 payments will be £76.66. This arrangement will have to be secured via direct debt. This is the final offer that can be extended.

 

Good thing is the last offer was over £130 a month and now they are reducing it.But £20 is all I can afford now but I do not know if I will be able to afford £76.66 after six month and I do not want to set up a direct debit for them.

Can anyone help me out please. I really need a good advice cause QQ is so hard to handle.

[renegadeimp]

Try ignoring them. They're in the process of writing off a lott of loans. Maybe. Yours will be one of them.

[Gab2011]

I have heard about that, but do you really think ignoring them is the best idea now that they are actually contacting me? Should I not just let them know that I can not agree to it since I am not sure if I can afford it in 6 months time and that I dont want to set up a direct debit?

[renegadeimp]

Their offer is garbage and should be treated as such. You have a right to pay the offer off in any way you see fit. Not be forced to give them your bank details so they can take out whatever they like, as they and other PDL's have done hundreds of times before. Write back to them and say you do not accept this.

 

Tell them that you will ONLY pay the agreed amount by Standing order or Prepaid debit card. NO EXCEPTIONS.

 

You have then shown you are willing to pay them the agreed amount if you should ever be taken to court for the debt, which is pretty unlikely. They have no right to force you into a specific payment option which reveals your bank details.

[Guest Poguesy]

Try ignoring them. They're in the process of writing off a lott of loans. Maybe. Yours will be one of them.

 

I thought i would give it a shot and see if they have closed mine down.

 

Nope, they still want their money!