JDR/quick quid help please

[elzerbeth]

hi wonder if anyone can help took a payday loan out 2years ago with quick quid which was paid off nearly a year ago but i am now receiving emails and text messages from jdr asking for payment of £262 that i apparently owe quick quid these are always in capital letters and i recieve 4 or 5 a day i have not responded to them as i know it was paid in full in fact i have a text message saved from quick quid saying thanks we have just recieved your payment without a hitch and you kept your promise to repay on time you are now welcome to apply again the next time you need fast cash we hope to be of service again. i have tried to log into my account with them to see what is going on but am unable to do so i have been threatened by jdr with door step collection baliffs and court, just received another text as follows YOU HAVE IGNORED ALL OUR CORRESPONDENCE YOUR INFORMATION IS WITH BAILIFFS WHO WILL CALL IN 4 DAYS IF WE DO NOT HERE FROM YOU this is exactly how it was sent to me any idea on how i handle this please ??

[renegadeimp]

http://www.consumeractiongroup.co.uk/forum/content.php?428-General-debt-letter-if-you-know-nothing-of-the-debt

http://www.consumeractiongroup.co.uk/forum/content.php?441-If-you-do-receive-a-doorstep-visit-we-give-these-suggestions-to-Members

http://www.consumeractiongroup.co.uk/forum/content.php?493-Harassment-by-telephone-response-letter

 

Send them those letters. Ignore everything else they send or threaten to do.

 

There have been a good amount of reports lately where multiple DCA's have gotten hold of old details and are trying to "fish" for potential vulnerable people.

 

Dont worry about the texts. They are empty threats as they are NOT bailiffs.

 

 

Report it as soon as possible to the OFT, FOS and trading standards.

[elzerbeth]

thanks i will do as you say just really annoying more than anything it was just the your information is with bailiffs that i was worried about

[elzerbeth]

sorry it should be NDR not jdr must have mistyped

[renegadeimp]

It's ok. Just remember that they are NOT baliffs. They are simply trying to threaten or scare whoever it is they reached in hopes they will send money.

 

Don't negotiate, dont respond.

 

Simply send the 3 letters and leave it at that. The general debt letter should take care of any threats or collection attempts as it puts the account into full dispute. it is then up to them to prove that the debt exists and they must provide full proof that you owe them anything, and they cannot try to collect or send any letters towards that aspect while it is in dispute.

Edited May 1, 2012 by renegadeimp

[elzerbeth]

received email and text in forming me BY LETTER AND EMAIL

 

Reference: BAILIFF/INTR/********

 

Client: Quick Quid - Quick Quid

Client Ref: ********

 

Date: 06/05/2012

 

Dear Surname

 

We are writing to give you formal notice that Quick Quid has legally engaged Marshall Hoares Bailiffs to collect this debt.

We will be arranging visits to discuss and collect the debt and take such actions as are necessary to recover all sums outstanding. Each action required may incur an additional fee for you.

 

Our records show that you have failed to make payments / not come to an acceptable payment arrangement/ not responded to correspondences / where agents have visited your addresses you have not answered. This is why this file has been passed to us.

 

We intend to pursue you fully for all outstanding sums including any fees we incur collecting this debt. Payment of 262 must be received in full no later than 13:00 SEVEN days from 06/05/2012

 

TAKE NOTICE: You should accept this letter as formal notification that unless payment is received within 7 days then your account will be considered for the following:

 

WARNING - Consequences of doing nothing:

 

1. Court Judgement legal action will be automatically started in the County Court for recovery of the full amount outstanding. Any such proceedings will include additional claims for legal costs and interest which will increase the amount you will be required to pay.

 

2. Warrant of execution will be applied for to enable us to seize goods at your addresses and or an attachment of your earnings.

 

3. Register of Judgements the judgement will be entered in a public register, the Register of Judgements, Order s and Fines Credit Reference Agencies, who will supply them to credit grantors and others seeking information on you financial reputation. This will make it very difficult for you to get credit.

 

4. Credit reference Toothfairy Finance have already advised the Credit Reference Agencies of your Default. This may seriously affect your ability to obtain credit in the future. Once the balance is paid in full, only then will the default be shown as "Default Satisfied".

 

Yours Faithfully

 

 

Marshall Hoares

Bailiffs & Enforcement Agents

 

what do i do know?

Edited May 7, 2012 by elzerbeth
personal info

[renegadeimp]

Didnt marshall hoares cease trading?

[elzerbeth]

i had this yesterday so i dont know

[elzerbeth]

i do not know quick quid are part of tooth fairy i think

[elzerbeth]

have done already had letter from appleton massey solicitors today referring to it saying they are issuing county court proceedings against me but i can not contact them i have to contact NDR directly about it all I have wrote them letter saying i do not acknowledge anything from them as i am dealing directly with NDR and quick quid and i am disputing debt.

the debt they say i owe i have no knowledge off and it does not appear on my credit file in any form or way which i assume it would if i owed it