QQ + DCA's

[2009dg]

So who do they use?

 

My account is over 60 days in arrears with no arrangement plan in site as they won't agree to my repayment option and want 2 or 3 times as much as I can afford. Keep saying it is being reviewed for third party collections.

 

I can't pay then anything as they only allow methods which they control or charge me.

[renegadeimp]

They use the normal folk. Usualy hoares or hall.

 

Remember, qq cannot collect the debt themselves. They have to outsource it to dcas. Since a lot of people know these dcas cant do anything, qq sell the debt to the dca who then has full legal powers over it.

[2009dg]

will it still be inforced if QQ loose their license?

[Harry05131]

Here is my story:

 

I took a loan out with QQ last year (August 2011) rolled it over twice and then it was due to be paid back in November.

I defaulted on that and got the usual 'Notice of payment 60 days overdue' email every other day.

 

Tried to come to a payment plan that i could afford but of course they wouldn't play ball they wanted over £125 per month on my £700 debt. I reluctantly agreed to the plan to get them off my back (phone calls) but had no intentions of ever making payment as realistically i knew i couldn't afford that.

 

So the first repayment of £125 was due, i obviously didn't pay it then received the standard automated email saying my account was due etc.

 

I just ignored all automated emails up until now, JULY. Where i received an email from QQ basically begging me to agree to a £60 monthly plan over 12 months

 

So it took QQ literally 9 months and THEY were the ones who came to me with a payment plan which i thought was rather funny haha

 

Btw, i agreed to that so i now on a plan for the next 12 months to clear that debt.

[renegadeimp]

QQ cant do ANYTHING at all to recover the debt by themselves. They dont have a UK base. They operate from the US and only use UK mailing redirect centres. Thats why instead of chasing you themselves, they get DCA's involved.

[kirstyo]

Mine went to macenzie hall, national debt recovery, mmf and marshall hoares. three of them are still chasing me!

[renegadeimp]

Make a complaint. More than 1 DCA chasing after a debt at a time is a very big problem, and it is breaking regulation.

[kirstyo]

I have a thread about this. I have tried to complain to the oft and they wouldnt listen. trading standards told me i have to come to their office which is miles away from where i stay and i havent had the chance to go down there yet. however i did manage to get marshall hoares to at least agree to investigate the matter after i cracked up at them for leaving a message on my machine saying i needed to contact them about my debt by the end of the day or they were coming to my house and for calling my work. QQ have told me they have no interest in the debt anymore and it is already a default on my credit file so the are getting nothing now. I was quite willing to pay them until they started their usual threats and stuff

[renegadeimp]

Whose name is on the default? Because thats who you should be dealing with. If the amount of debt is also disputed, then QQ should never have sold it on anyway, so it can be passed back by whoever owns it now.

[kirstyo]

im trying to double check just now but cant seem to log on to noodle im pretty sure it is qq. the debt wasnt disputed until after it went to mmf and ndr at the same time even though i had a payment plan set up with ndr and had made the first payment

[kirstyo]

Sorry for my very late reply, my email was hacked causing all sorts of hassle with noddle and various other accounts i have but its all sorted now. I had a look at my credit file and there is nothing at all from quick quid or ndr or mhb but there is one from mmf. there is also one i do not recognise, thank god i got noddle up and running again or i would never have known about this other one, im off to look it up now

[2009dg]

my account now has 2 debts under QQ, neither are defaulted. ARC are nowhere to be seen and I'm still waiting to hear back from either.