Having trouble with QQ

[turkwyfe4lyfe]

Asked QQ for settlement figure, which they gave me 50% so ive accepted and paid it.

Im awaiting confirmation from Final Resolutions but Ive demanded they mark my credit file correctly and do not want any third party ( debt collectors ) after me for the other half. Is there anything else I should demand?

[turkwyfe4lyfe]

Wow thanks i wasnt sure how i was gonna organise it!! I think out of principle i should request the refund but it comes off debt so cant do no harm

 

 

 

 

 

I aaked for settlement figures n they gave me 50% discount which i paid and am awaiting confirmation. Ive demanded that they correctly mark my credit file n dont want no debt collectors trying to collect other 50% so do i demand it to be satisfied or settled???

[renegadeimp]

Satisfied or settled. What you DONT want is it to be marked partial settlement. You also want full and express written confirmation that the debt is now settled in full, and no remainder will be pursued or sold to a third party.

Edited July 2, 2013 by renegadeimp

[turkwyfe4lyfe]

Thanks Renegaide. Once i hear back from this guy whos dealing with my case i will make it known

[renegadeimp]

Hope you got that confirmation before you paid.

[turkwyfe4lyfe]

No i just paid it!!

[renegadeimp]

Fingers crossed they give you that confirmation. Tip for the future. If you EVER make a F&F to anyone, make sure you get all the conditions agreed in writing before any payment is made.

[turkwyfe4lyfe]

Ok thankyou.

[turkwyfe4lyfe]

In an email today, QQ sent my Sar back to me but its in the form of a CD...makes no sense!!!

[renegadeimp]

You could decline it as you cant ensure it is virus free. Although if it did contain malware, that is grounds for having them heavily fines and/or closed down.

[turkwyfe4lyfe]

You could decline it as you cant ensure it is virus free. Although if it did contain malware, that is grounds for having them heavily fines and/or closed down.

 

 

 

I was sent an email by another manager ive spoken to in the past and replied telling him im within my right to paper copies, according to the ICO, and request paper copies i cant be sure the CD would be free from viruses and malware.

 

The CD is coming from USA so imagine how much postage would be for paper copies...i very much doubt i will get paper copies but i will keep you updated.

[turkwyfe4lyfe]

Received SAR in CD format today. Nor very much there,,, then again im not totally sure what i dhould be expecting. Theres contractual terms of previous loans....and current one atm. No breakdown or list of paynents received ( although they did email me not so long back with an accoubt statement) email log in excel which shows a list of emails but no details, log of most live chat conversations.. Using mobile as since putting cd in laptop, my firefox browser keeps crashing when it was fine before

[renegadeimp]

Looks like they failed to comply fully

[turkwyfe4lyfe]

So what do I do now? send a non compliance letter?

[renegadeimp]

Yup. A sar should contain all communication between you and them, internal records such as contact attempts, meeting notes, notes on your file, statements, etc etc

[turkwyfe4lyfe]

I have contact attempts, notes on file, but no statements

[turkwyfe4lyfe]

Just received this email from QQ reg their full and final settlement offer......

 

 

Thank you for your email. Please accept my apologies for the delay in

responding to you.

 

We have applied the payments of xxxx and xxxx towards your account

which means that your balance is 0.00 and you have no further

obligation with QuickQuid. In addition, we have instructed our credit

reference agency, CallCredit Ltd., to update your credit file

accordingly, and we have closed your account in accordance with your

request.

 

Lastly, a printed version of your subject access request will be

issued in 3-5 working days.

 

I hope this clarifies the situation. If you have any further

questions, please contact me.

 

Regards,

 

So should I respond, and what should I say?

[renegadeimp]

Is that the outcome you wanted? If so, you don't need to reply, except you want to ensure the credit file is marked satisfied or settled. Not Part settled or satisfied.

[turkwyfe4lyfe]

I emailed the guy who was handling my case. He confirmed that the loan was settled in full, and confirmed they will be marking it as Settled. so we will see. Thanks for everything Renegade x