Cecilia PDL diary

[SaltnVinegar]

Re: Cecilia PDL diary

Sorry I took so long getting back to you SnV, really bogged down at work.

I continue to get several automatic emails from Quick Quid, notice of payment 60 days overdue, every week. They send me several text messages, and voicemails every week.

I am also getting text messages from the Moneyshop, reminding me to make a payment last one said payment was due on 28th February.

I will updated the right bits on the thread.

Hi Cecilia

No problem! Sometimes you actually have to live a life and not worry about debt

Regards Quickquid not sure if you saw my post about Arc Europe and Trevor Munn (who used to handle QQ accounts) - http://forums.all-about-debt.co.uk/s...unn-Solicitors

I don't think you'll be hearing from them anytime soon

Got a message from someone on another forum yesterday, who had a debt with Swift Sterling. She got a letter from them saying they had wiped her debt, even though she still owed them a lot of money.

Well fingers crossed that they may do the same for you

[cecilia]

Re: Cecilia PDL diary

Yes SnV read your post about Arc Europe and Trevor Munn with interest. QQ continue to call, and send their automated emails every few days.

[cecilia]

Re: Cecilia PDL diary

Had a text message from Arc Europe on the 17th April asking me to contact Jo urgently.

I am in touch with Arc for the debt with Pounds to Pocket, and have kept to the arrangement.

Looked at the text, and the reference number they have quoted, is a different reference number to the one used for my Pounds to Pocket loan.

Could they be contacting me for my Quickquid loan, as Quickquid didn't accept the offer I gave them, or are Arc representing Moneyshop or Speedloan, the other companies, that haven't accepted my payment plan.

[cymruambyth]

Re: Cecilia PDL diary

Hi, can't answer your question, but how are you? I was only thinking the other day that you hadn't been posting much.

[cecilia]

Re: Cecilia PDL diary

Thanks, not too good, my brother died this morning.

[cymruambyth]

Re: Cecilia PDL diary

Oh I'm so terribly sorry. I'm sending you loads of hugs and support in this terrible time.

[SaltnVinegar]

Re: Cecilia PDL diary

Looked at the text, and the reference number they have quoted, is a different reference number to the one used for my Pounds to Pocket loan.

Could they be contacting me for my Quickquid loan, as Quickquid didn't accept the offer I gave them, or are Arc representing Moneyshop or Speedloan, the other companies, that haven't accepted my payment plan.

Thanks, not too good, my brother died this morning.

Hi Cecilia

Don't worry about Arc - let them write to you and you'll find out soon enough what account they may want to discuss with you. Sorry to hear about your brother, you have far more important things to deal with right now than payday loans and Arc Europe. Everyone here is thinking of you and will be here when you're ready.

Best
SnV

[SaltnVinegar]

Re: Cecilia PDL diary

Hi Cecilia

Just a quick note to say everyone's thoughts are with you at the moment and if you need ANY assistance (not just the PDL kind), then theres loads of people here with different skills who are happy to help.

Best
SnV

[IF]

Re: Cecilia PDL diary

I'm thinking of you too Cecilia

[cecilia]

Re: Cecilia PDL diary

QuickQuid
Started July 2013
Loan £400
Owed 948.79 inc interest
Monthly payment £125.02, ten payments
Defaulted August 2013
Received email from Quickquid 30th August
Sent email to Quickquid 30th August
Received text from Quickquid 6th September
10th September - Voicemail left by Quickquid about an urgent matter asking me to call them on 0808
11th September-Voicemail left by Quickquid about an urgent matter asking me to call them on 0808
12th September-Voicemail left by Quickquid about an urgent matter asking me to call them on 0808from Nicole
Received email from Quickquid 12th September
Sent email to Quickquid 13th September
Received email from Quickquid 13th September
Received text from Quickquid 13th Septembersaying my account is overdue and to ring to freeze collections.
Received email from Quickquid 16th September
Received email from Quickquid 19th September
Received voicemail from Quickquid 20th September about an urgent matter asking me to call back
received email from Quickquid 23rd September reminder for payment due
Received Voicemail from Quickquid 23rd September about an urgent matter asking me to call them on 0808
Received notice of default sums 27th September
Received voicemail from Quickquid to call back urgently on 0808
Received reminder notice from Quickquid 24th October
Received email reminder notice from Quickquid 28th October
Received text message from Quickquid saying my account is overdue and to call them on 0808 28th October
Received Voicemail from Quickquid to call back urgently on 0808on 30th October
Received Voicemail from Quickquid to call back urgently on 0808 on 31st October
Received Voicemail from Quickquid to call back urgently on 0808 on 5th November
Received Text from Quickquid 7th November
Received Voicemail from Quickquid to call back urgently on 0808 on 8th November
Received Voicemail from Quickquid to call back urgently on 0808 on 12th November
Received Voicemail from Quickquid to call back urgently on 0808 on 14th November
Received Voicemail from Quickquid to call back urgently on 0808 on 15th November
Received Voicemail from Quickquid to call back urgently on 0808 21st November
Received Voicemail from Quickquid to call back urgently on 0808 5th December
Received Voicemail from Quickquid to call back urgently on 0808 6th December
Received Extended Repayment plan available from Quickquid 11th December
Received voicemail from Quickquid to call back urgently on 0808 20th December
Received voicemail from Quickquid to call back urgently on 0808 24th December
Received voicemail from Quickquid to call back urgently on 0808 27th December
Received voicemail from Quickquid to call back urgently on 0808 31st December
Received voicemail from Quickquid to call back urgently on 0808 3rd January
Received voicemail from Quickquid to call back urgently on 0808 8th January
Received voicemail from Quickquid to call back urgently on 0808 13th January
Received voicemail from Quickquid to call back urgently on 0808 20th January
Received voicemail from Quickquid to call back urgently on 0808 22nd January
Received voicemail from Quickquid to call back urgently on 0808 24th January
Received Extended repayment plan email from Final resolution team 24th January
Received voicemail from Quickquid to call back urgently on 0808 28th January
Received Prevent sale to third party collectors email 28th January
Received Notice of Payment 60 days overdue 31st January
Received Notice of Payment 60 days overdue 4th February
Received voicemail from Quickquid to call back urgently on 0808 4th February
Received voicemail from Quickquid to call back urgently on 0808 6th February
Received Notice of Payment 60 days overdue 7th February
Received Notice of Payment 60 days overdue 11th February
Received Extended Repayment plan available 13th February
Received Notice of Payment 60 days overdue 14th February
Received voicemail from Quickquid to call back urgently on 0808 17th February
Received prevent sale to 3rd party collectors extended payment plan 18th February
Received Notice of Payment 60 days overdue 18th February
Received Notice of Payment 60 days overdue 21st February
Received Extended Repayment plan available 25th February
Received Notice of Payment 60 days overdue 25th February
Received Notice of Payment 60 days overdue 28th February
Received Notice of Payment 60 days overdue 4th March
Received Notice of Payment 60 days overdue 7th March
Received Notice of Payment 60 days overdue
Received Notice of Payment 60 days overdue
Received Notice of Payment 60 days overdue 11th March
Received Notice of Payment 60 days overdue 14th March
Received prevent sale to 3rd Party collectors 18th March
Received Notice of Payment 60 days overdue 18th March
Received Notice of Payment 60 days overdue 21st March
Received Extended Repayment plan available 25th March
Received Notice or Payment 60 days overdue 25th March
Received Notice of Payment 60 days overdue 28th March
Received Notice of Payment 60 days overdue 8th April
Received letter from ARC saying the debt had been referred to them 10th April
Received Notice of debt referral from Quickquid 21st April
Received Notice or Payment 60 days overdue
Received Notice or Payment 60 days overdue
Received Notice or Payment 60 days overdue

Received Notice of Payment 60 days overdue
Received Notice of Payment 60 days overdue
Received Notice of Payment 60 days overdue
Received Notice of Payment 60 days overdue

Got this email from Quickquid on 21st April. Received a letter from Arc on the 10th April saying if I did not pay the full balance in 10 ten days it would be passed to their solicitors. Only opened the letter today with all that is going on for me, and am well over the 10 day mark. I am already dealing with ARC paying back my Pounds to Pocket loan.

As we have advised you previously in the Notice of Default, you have failed to make payments required under your Loan Agreement with QuickQuid or to contact us to take corrective action.
Loan:

Date of Agreement: 8/1/2013
Outstanding Principal: £400
Outstanding Interest: £259.04
Outstanding Late Fees: £24
Discounts & Credits: £0
Total Amount Outstanding: £683.04
As a result, we have decided to refer your account to a Third Party Debt Collection Agency who will be in touch with you in due course. Their information is listed below.
If you would like to make a payment, please contact the debt collection agency:
ARC (Europe) Ltd 01932 251000

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.

QuickQuid is the trading name of CashEuroNetUK, LLC. CashEuroNetUK LLC is a Limited Liability Company incorporated in the United States. Head Office: 200 W. Jackson Blvd. 14th Floor, Chicago, IL USA. Correspondence Address: QuickQuid, 483 Green Lanes, London, N13 4BS. Authorised and regulated by the Financial Conduct Authority. Firm registration number 603395. Authorisation can be checked on the Financial Service Register at www.fca.org.uk .

[cecilia]

Re: Cecilia PDL diary

Hi Cecilia

Just a quick note to say everyone's thoughts are with you at the moment and if you need ANY assistance (not just the PDL kind), then theres loads of people here with different skills who are happy to help.

Best
SnV

Thank you still trying to negotiate compassionate leave with my boss.

[SaltnVinegar]

Re: Cecilia PDL diary

Got this email from Quickquid on 21st April. Received a letter from Arc on the 10th April saying if I did not pay the full balance in 10 ten days it would be passed to their solicitors. Only opened the letter today with all that is going on for me, and am well over the 10 day mark. I am already dealing with ARC paying back my Pounds to Pocket loan.

As we have advised you previously in the Notice of Default, you have failed to make payments required under your Loan Agreement with QuickQuid or to contact us to take corrective action.
Loan:

Date of Agreement: 8/1/2013
Outstanding Principal: £400
Outstanding Interest: £259.04
Outstanding Late Fees: £24
Discounts & Credits: £0
Total Amount Outstanding: £683.04
As a result, we have decided to refer your account to a Third Party Debt Collection Agency who will be in touch with you in due course. Their information is listed below.
If you would like to make a payment, please contact the debt collection agency:
ARC (Europe) Ltd 01932 251000

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.

QuickQuid is the trading name of CashEuroNetUK, LLC. CashEuroNetUK LLC is a Limited Liability Company incorporated in the United States. Head Office: 200 W. Jackson Blvd. 14th Floor, Chicago, IL USA. Correspondence Address: QuickQuid, 483 Green Lanes, London, N13 4BS. Authorised and regulated by the Financial Conduct Authority. Firm registration number 603395. Authorisation can be checked on the Financial Service Register at www.fca.org.uk .

Hi Cecilia

Ok no problem - Arc Europe used to use Trevor Munn solicitors. As they got a spanking last year I doubt they are going to be using him any more.

It would be worth sending a CCA request to Arc Europe to get a copy of the agreement (if they have it), and then see if they have been foolish enough to add any US legislation into the agreement.

Let me know if you need a link to the template section (you'll need to register if you've not already). Follow the instructions here:

http://forums.all-about-debt.co.uk/s...813#post393813

You've not had a formal letter before action yet so lets see what solicitors for rent they set on you and we'll take things from there also.

Best
SnV

[tastyjane]

Re: Cecilia PDL diary

Hey lovely, so sorry to hear about your loss. With regards to compassionate leave it would usually be listed in either your contract or staff handbook. If you need any help just shout.

Jane x

[cecilia]

Re: Cecilia PDL diary

Thank you all for your thoughts. Have found out what my compassionate leave entitlement is. I won't be able to deal with the PDL stuff at the moment, too much going on.

[cymruambyth]

Re: Cecilia PDL diary

PDL stuff can be dealt with at any time. Take care of yourself and your family.