Quick quid advice needed

[Worriedinlove]

I took out a quick quid loan in 2010 for £200 which i defaulted on after 2 rollovers. Which i forgot about after losing my home, breaking up with my partner then finding out i was pregnant all within 3 months so the loan was the last thing on my mind.

In march last year carter forbes contacted me (harrassed with calls and texts every hour) and offered me a reduced payment plan for the loan which at that time was over £500. I agreed the repayment plan at £80 pm and i stupidly gave them my bank details to make the first payment. A week later was pay day so as you do i went to get my money to find it had all gone. Bank was useless in sorting this out told me to wait for it to show on my account. I then logged on to my email to find carter forbes claiming i defaulted on my payment plan not sure why since my next payment wasnt due for 3 weeks.

 

4 days later my account showed carter forbes had taken £5 untill my account was empty i phoned them and they claimed since i defaulted it was their right to take my money that way. I got very angry at that point as i was unable to pay my rent or feed my 3 children so they agreed to settle my account since i owed £567 and they took £800 i demanded my money back but wouldnt give it to me. Eventually i gave up lessoned learned no more payday loans and NEVER give debit card details to dca.

I thought that was the end of it but now quick quid emailed my last month saying i havent paid the loan back and passed it to motormile finance.

I emailed them stating that i paid it through carter forbes but they say they have no record of this. What can i do as i have no proof since i delt with carter forbes over the phone?

Edited April 9, 2013 by Worriedinlove

[leigh04]

have u got bank statements showing Carter took the payments? if so send a copy to quick quid to prove you paid Carter's, and they can then chase Carter's for the money

[Worriedinlove]

Yes its got 3 whole pages dedicated just to carter forbes taking £5. They did this for 5 days so it shows the unsucssesfull attempts aswell.

[leigh04]

well I'd tell QQ that the loan has been paid to Carter Forbes and you have bank statements to show payments made, so if QQ want their money to chase Carter's for it,

don't phone QQ send it as email if possible

[Worriedinlove]

well I'd tell QQ that the loan has been paid to Carter Forbes and you have bank statements to show payments made, so if QQ want their money to chase Carter's for it,

don't phone QQ send it as email if possible

 

Thank you i'll try that, I hope it works.

[leigh04]

it's worth a shot, other more knowledgeable caggers will probably reply soon enough and give advice more than I can, but if it was me I would attempt what I stated first

 

Good luck, but please post again if you have problems with QQ

[renegadeimp]

I would also issue a full complaint with your bank and demand to know why this was allowed and not flagged as a suspicious transaction.

[Worriedinlove]

Can i do that as it was in march last year i thought it would be too late now.

Edited April 9, 2013 by Worriedinlove

[leigh04]

Can i do that as it was in march last year i thought it would be too late now.

 

there's no harm in trying