Cecilia PDL diary

[cecilia]

Re: Cecilia PDL diary

Hi Cecilia

Hows things going? All quiet on the PDL front?

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.

[SaltnVinegar]

Re: Cecilia PDL diary

Hi Cecilia

Hows things going? All quiet on the PDL front?

[SaltnVinegar]

Re: Cecilia PDL diary

Hi Cecilia

Just the normal Quickquid automailer. I got one this morning too, with exactly the same template

Just received this


This email is to remind you of your severely overdue loan with QuickQuid.

Payment on this loan needs to be made immediately.

If we do not receive a response, we will take that as a refusal to pay and will take appropriate collections measures which include, but are not limited to, the use of a third party collections agency.

We value you as a customer and would like to help you resolve this matter.

Currently, your past due balance is £683.04 and FULL PAYMENT MUST BE MADE IMMEDIATELY as your account is over 60 days past due.

Please understand that this message is very urgent and requires immediate attention. Please contact us immediately to resolve this matter.


QuickQuid Collections Department
0800 051 8272 Direct Line
0808 101 1381 Fax
collections@quickquid.co.uk
www.quickquid.co.uk


Call free from landlines. Mobile phone companies may charge up to 40p per minute.

If you have any queries, or are in financial hardship such that you cannot make the payment, please contact us at 0800 016 3114.

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: 483 Green Lanes, London, N13 4BS.
Consumer Credit Licence #: 603395.

[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

Just received this


This email is to remind you of your severely overdue loan with QuickQuid.

Payment on this loan needs to be made immediately.

If we do not receive a response, we will take that as a refusal to pay and will take appropriate collections measures which include, but are not limited to, the use of a third party collections agency.

We value you as a customer and would like to help you resolve this matter.

Currently, your past due balance is £683.04 and FULL PAYMENT MUST BE MADE IMMEDIATELY as your account is over 60 days past due.

Please understand that this message is very urgent and requires immediate attention. Please contact us immediately to resolve this matter.


QuickQuid Collections Department
0800 051 8272 Direct Line
0808 101 1381 Fax
collections@quickquid.co.uk
www.quickquid.co.uk


Call free from landlines. Mobile phone companies may charge up to 40p per minute.

If you have any queries, or are in financial hardship such that you cannot make the payment, please contact us at 0800 016 3114.

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: 483 Green Lanes, London, N13 4BS.
Consumer Credit Licence #: 603395.

[SaltnVinegar]

Re: Cecilia PDL diary

Just read an article about someone who took out 23 payday loans and got them written off, as the PDL's did not do proper assessments.

I'm aware of this one as I have the payday survival guide as part of my 'toolkit'

My understanding is that not all of them were written off, some just agreed to freeze interest and charges (but likelyhood of being taken to court is slim). The debtors circumstances were also that no creditor in their right mind should have offered a loan if an affordability assessment were carried out.

However, what it shows you is that there is credibility in the argument. If the creditor on your P2P agreement shows CasheuronetUK LLC and then this is the same on your QQ agreement then IMO you have the same argument as CasheuronetUK LLC should have known you were financially stretched by the very fact you already had a loan with them.

If they have failed in their statutory duties (by not supplying pre-contract information so you could assess if the product was suitable for you etc) before supplying you the loan you have further weight.

Best
SnV

[cecilia]

Re: Cecilia PDL diary

The Moneyshop
Started 2004-this was started as cashing cheques, which were renewed. They stopped cheque cashing a few months ago.
Interest paid from 2004 to 2013 £17,030.4
Loan £750
Owe £750,
Monthly payments of £125
Last paid beginning August 2013
Defaulted August 2013
Received call from Moneyshop 31st August 2013
Wrote to Moneyshop 4th September
Received voicemail from Moneyshop asking me to call them back 30th September
Received voicemail from Moneyshop asking me to call them back 22nd October
Received voicemail from Moneyshop asking me to call them back 31st October
Received Voicemail from Moneyshop asking me to call them back 3rd December
Received text from Moneyshop 20th December
Received text from Moneyshop 27th December saying payment was due on 30th December
Received text from Moneyshop 29th January saying payment was due on 30th January

Received another text from Moneyshop yesterday saying payment was due on 30th January.If any of your details have changed please call 08443248672 to confirm the relevant information. I have had nothing in writing from them since I sent them the letter on 4th September.

[cecilia]

Re: Cecilia PDL diary

Just read an article about someone who took out 23 payday loans and got them written off, as the PDL's did not do proper assessments.

[SaltnVinegar]

Re: Cecilia PDL diary

Funny how they fail to submit accounts, yet they can still operate.

There is probably some accountancy practice that allows them to do so, however when I challenged their solicitor on this things went very quiet for 12 months now I'm back on the automated email harassment list.

You will probably get a few more of the 'final resolution team' emails, and then the account will get sent to ArcEurope. When that happens you'll likely get a letter from their 'in-house' solicitor Trevor Munn. We'll tackle them if/when that happens. I think you have a good case on irresponsible lending depending on who the creditor is identified on the P2P and QQ credit agreements.

Best
SnV

[cecilia]

Re: Cecilia PDL diary

Quickquid only have a S/O arrangement with Stepchange (afaik) and they won't accept them from individuals. This is mainly as their 'office' in the UK is actually a mail forwarding address.

What makes things more murky is that CasheuronetUK LLC (according to companies house), have failed to submit any accounts since 2008, and their status is converted/closed which suggests that they have been removed from the register, which imo opens up questions as to the legitimacy of their consumer credit license and that of any loans issued since December of that year.....

Funny how they fail to submit accounts, yet they can still operate.

[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

Another email from Quickquid today

Unless payment is made on your loan by 31 January 2014 it may be sold to a third party collection agency.

To help you prevent this transfer your defaulted loan balance has been referred to the QuickQuid Final Resolution Department.

QuickQuid will accept a re-payment plan over 12 months. Based on your outstanding balance of £683.04 this would be a monthly payment of £56.92. Please contact our Final Resolution Department between 08:00 and 21:00 Mon - Fri at 0800 016 3114 to accept this offer or to learn about other options available. It is important to provide dates of payment when replying to this e-mail as the arrangement is incomplete without dates of payment.
Once a payment plan is in place, collections activities will stop as long as payments are made on time. The only forms of payment accepted for this offer are Debit Card or Direct Debit Mandate. If your account information has changed please inform our agents so they can update your information.

QuickQuid Final Resolution
escalation@quickquid.co.uk
0800 016 3114
www.QuickQuid.co.uk
If you are experiencing financial difficulty, it is recommended that you contact one of the national debt charities for assistance. Some preferred sources are:
Step Change Debt Charity
Website: www.stepchange.org
Helpline: Available Monday - Friday 8:00am - 8:00pm, Saturday 9:00am - 4:00pm

• Call: 0800 138 1111

The National Debtline (part of Money Advice Trust)
Website: http://www.nationaldebtline.co.uk/
Helpline: Available Monday - Friday 9:00am - 9:00pm, Saturday 9:30am-1:00pm, closed Sunday

• For England/Wales/Scotland Call: 0808 808 4000

Money Advice Service
Website: www.moneyadviceserice.org.uk
Helpline: Available Monday - Friday 8:00am - 8:00pm, Saturday 9:00am - 1:00pm

• For English Call: 0300 500 5000
• For Welsh Call: 0300 500 5555

QuickQuid | 0800 016 3114 | escalation@quickquid.co.uk | Privacy Policy |
Call free from landlines. Mobile phone companies may charge up to 40p per minute.
CashEuroNetUK LLC is a limited liability company incorporated in the United States.
Head Office: 200 W. Jackson Blvd. 14th Floor, Chicago, USA.
Correspondence Address: 483 Green Lanes, London N13 4BS.
Consumer Credit Licence #603395

[SaltnVinegar]

Re: Cecilia PDL diary

Don't give you many options regarding payment. My preference would be to ignore them. Wait to see what other members think.

I will only pay by Standing order or by Bank transfer. Some of the other PDL's that I have repayment plans with, keep on sending me emails every month, saying that I can pay on their website giving my card details. I won't fall for that trick.

Quickquid only have a S/O arrangement with Stepchange (afaik) and they won't accept them from individuals. This is mainly as their 'office' in the UK is actually a mail forwarding address.

What makes things more murky is that CasheuronetUK LLC (according to companies house), have failed to submit any accounts since 2008, and their status is converted/closed which suggests that they have been removed from the register, which imo opens up questions as to the legitimacy of their consumer credit license and that of any loans issued since December of that year.....

[cecilia]

Re: Cecilia PDL diary

Don't give you many options regarding payment. My preference would be to ignore them. Wait to see what other members think.

I will only pay by Standing order or by Bank transfer. Some of the other PDL's that I have repayment plans with, keep on sending me emails every month, saying that I can pay on their website giving my card details. I won't fall for that trick.

[Enforcer]

Re: Cecilia PDL diary

Don't give you many options regarding payment. My preference would be to ignore them. Wait to see what other members think.

[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 this from Quickquid today

Unless payment is made on your loan by 31 January 2014 it may be sold to a third party collection agency.

To help you prevent this transfer your defaulted loan balance has been referred to the QuickQuid Final Resolution Department.

QuickQuid will accept a re-payment plan over 12 months. Based on your outstanding balance of £683.04 this would be a monthly payment of £56.92. Please contact our Final Resolution Department between 08:00 and 21:00 Mon - Fri at 0800 016 3114 to accept this offer or to learn about other options available. It is important to provide dates of payment when replying to this e-mail as the arrangement is incomplete without dates of payment.
Once a payment plan is in place, collections activities will stop as long as payments are made on time. The only forms of payment accepted for this offer are Debit Card or Direct Debit Mandate. If your account information has changed please inform our agents so they can update your information.

QuickQuid Final Resolution
escalation@quickquid.co.uk
0800 016 3114
www.QuickQuid.co.uk
If you are experiencing financial difficulty, it is recommended that you contact one of the national debt charities for assistance. Some preferred sources are:
Step Change Debt Charity
Website: www.stepchange.org
Helpline: Available Monday - Friday 8:00am - 8:00pm, Saturday 9:00am - 4:00pm

• Call: 0800 138 1111

The National Debtline (part of Money Advice Trust)
Website: http://www.nationaldebtline.co.uk/
Helpline: Available Monday - Friday 9:00am - 9:00pm, Saturday 9:30am-1:00pm, closed Sunday

• For England/Wales/Scotland Call: 0808 808 4000

Money Advice Service
Website: www.moneyadviceserice.org.uk
Helpline: Available Monday - Friday 8:00am - 8:00pm, Saturday 9:00am - 1:00pm

• For English Call: 0300 500 5000
• For Welsh Call: 0300 500 5555

QuickQuid | 0800 016 3114 | escalation@quickquid.co.uk | Privacy Policy |
Call free from landlines. Mobile phone companies may charge up to 40p per minute.
CashEuroNetUK LLC is a limited liability company incorporated in the United States.
Head Office: 200 W. Jackson Blvd. 14th Floor, Chicago, USA.
Correspondence Address: 483 Green Lanes, London N13 4BS.
Consumer Credit Licence #603395


[img]https://bay169.mail.live.com/Handler...KL7hKmYohubRTg.[/img]

[cecilia]

Re: Cecilia PDL diary

Hi Cecilia

Absolutely right you should look after your health first. Lets see if this lot can be put to bed or at least shoved back under the rock they crawled from.

So I've had a quick read through the whole thread and I can't find the information I'm looking for (could just me being myopic) when you have time if you could provide some more information that would be great.

First of all I'm interested in how they handled the cheque cashing service:

• Were you given and asked to complete an 'application form' and if so do you have a copy of that
• Were you given at any point any contract or credit agreement or did you simply hand them post-dated cheques in return for them handing over cash?
• If you had some sort of contract/agreement do you have a copy anywhere?
• How many times did you use the cheque cashing service (I'm guessing hundreds of time judging by the interest thats accrued)

Next I'm interested in how things changed into a loan:

• Were you 'sold' a loan to cover the balance of an outstanding cheque cashing service balance you had?
• Did you have to fill out an application form and do you have a copy?
• Were you given any pre-contact information or fact sheet so you could assess the affordability of the loan that was being offered to you?
• Were you given a credit agreement and if so do you have a copy?
• Have you 'rolled over' the loan at all and if so how many time?
• If you did 'roll over' the loan were you provided new pre-contract information and new credit agreement each time and if so do you have a copy?
• Did you receive any arrears notice/letter also containing information on where you can go to get advice on your debts?
• Have you received any sort of default or termination notice (I think you may have answered this already just couldn't see the post)?

They have had their opportunity to be reasonable - they've failed. Time to play hardball now. Depending on answers to above, and if you're happy with this approach, then I'd suggest you argue irresponsible lending (if they've not followed the requirements of the consumer credit act), unfair relationship (based on the interest that you've paid plus their conduct in refusing your offer etc), then that will be your final response to them.

There is a tiny tiny possibility they may issue a court claim but it is miniscule. They are going through their own financial troubles right now so its more likely any debt portfolio they have will be sold off to a DCA then they'll be easier to deal with. My money would be on Motormile Finance or Moorcroft....

Best
SnV

Hi SnV,

Here are the answers to your questions re the cheque cashing
1) Yes, I had to fill in a form for the cheque cashing service. I have a copy of that somewhere.

2) I was given a credit agreement to sign, before they allowed me to cash cheques.

3) I cashed cheques every month from 2004, which is about 108 times by my calculation.

Now your questions regarding the loan.

1) Yes, I was sold a loan to cover the outstanding balance of the cheque cashing. They forced all customers to do this, unless they could pay off the loan in cash.
2) Yes I filled out a form, and I have a copy of it somewhere.
3) I was not given a pre contract factsheet . However I would like to add that a number of months before I had tried to apply for a Speedloan, and they refused my application on the basis that I had too many creditors, and was overextended.I had to provide my payslips and bank statements. However it was okay for them to give me a loan to pay off the cheque cashing, and I had to provide my payslips and bank statements again.
4) Yes I was given a credit agreement, and I have a copy somewhere.
5) No, I did not roll over the loan, rollovers were not available with this loan, you paid a set amount every month by direct debit.
6) Yes I received an arrears letter stating where I could get advice on my debt.
7) Yes I received a default notice.

I have all the paperwork, as I don't throw stuff like this away, it will take me a while to get it together when needed.