A question about : Quickquid Advice
My friend got a loan ( pay of next pay day ) He couldn't pay it, so made arrangements to pay them monthly. In October this year he sent a email to quickquid asking if it was finished. he got a email back. See below.
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In response to your query,
Your account currently has a Ј0.0 balance after retrieving the funds of Ј158.33. If you need further assistance, please contact our Collections team. The Collections team is available Monday through Friday 8:00am to 9:00pm and Saturday 9:am to 5:00pm or via live chat. If you have any queries, our Collections Department is here to help. |
To him he has paid it off and in my eyes also. Anyway he gets a email from quickquid on 12/12/2012 saying this.
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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 #: ******* Total Payments Received: Ј1049.48 Amount Outstanding: Ј212.52 As a result, we have decided to refer your account to a Third 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 |
He received a letter from arc which he has replied to by email with the email from quickquid to them.
Can anyone offer any advice as they are saying he has 7 days to pay up or it will be passed to a solicitor. I don't think he has received a notice of default unless he got it when he couldn't pay it off last year?
Best answers:
- Hi there
First thing first -ARC is a Debt Collection Company (DCA) they are not Bailiffs and they cannot come round to your property and remove your belongings.
To say you have to pay within 7 days otherwise it will be passed onto a solicitor is normal practice, usually in house firm, but it is an empty threat
Write a letter to ARC stating you dispute the debt on the grounds you have mentioned and you will not be making any payments until the dispute has been resolved including that of a complaint to the Financial Ombudsman Service
Write a letter of complaint to Quickquid. You have to allow Quickquid 8 weeks to respond to your complaint. If you are not happy with Quickquid response you can make a complaint to the Financial Ombudsman. The Financial Ombudsman can take up to 9 months to look at your complaint. While in dispute you can block any enforcement action they take (Normally registering a CCJ)
While you are in dispute write to Credit Reference Agencies ensuring a note of dispute is registered against the debt - Thank you for reply. This is a reply my friend got from from Arc.
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