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  • FIRST POST
    • cliffness
    • By cliffness 6th Sep 17, 12:49 PM
    • 1Posts
    • 0Thanks
    cliffness
    Moriaty Law - Quick Quid
    • #1
    • 6th Sep 17, 12:49 PM
    Moriaty Law - Quick Quid 6th Sep 17 at 12:49 PM
    Hi All,
    I'd love to pick your brain for advise (apologies if I am in the wrong section - if so please redirect).

    My partner got a letter from Moriarty Law advising that she owed them / Quick Quid £1300. She has no recollection of ever taking a loan out with Quick Quid and up to this point hadn't seen any letters or had any phone calls from QQ or ML. The rest of her credit history is excellent.

    When she called they advised it was taken out in 2012 (March) and was at an address which she was registered. She did not ask how much the original loan was but the chap on the phone said she could pay £800 to settle or she would be taken to court.

    Now my question is... what should she do next?

    She was going to pay it but I told her that she needs to:

    Find out how much the loan was for
    What bank account it was paid into
    If not hers then register with the police and advise ML and QQ

    Anything else? Thank you in advance.
Page 1
    • stevenhp1987
    • By stevenhp1987 6th Sep 17, 12:53 PM
    • 368 Posts
    • 332 Thanks
    stevenhp1987
    • #2
    • 6th Sep 17, 12:53 PM
    • #2
    • 6th Sep 17, 12:53 PM
    If she took out the loan, then you can haggle that £800 down (get it in writing though).

    If she thinks she didn't take out the loan, then she needs to ask those questions, including making a CCA request. If after the documents come through and you're sure she didn't make it, then it needs reporting to ActionFraud/Police and the reference number given to the creditor.

    If all the details match hers, then it's likely she will be liable unless someone else (a previous partner) had access to her account which will make it fraud on their account, but could be difficult to prove.
    • Shakin Steve
    • By Shakin Steve 6th Sep 17, 12:56 PM
    • 932 Posts
    • 665 Thanks
    Shakin Steve
    • #3
    • 6th Sep 17, 12:56 PM
    • #3
    • 6th Sep 17, 12:56 PM
    No one offers to settle a loan that they have no knowledge of.......unless they do have knowledge of it
    If she definitely knows it's not hers, tell ML you look forward to seeing them in court.
    I came into this world with nothing and I've got most of it left.
    • DCFC79
    • By DCFC79 6th Sep 17, 1:21 PM
    • 29,957 Posts
    • 18,973 Thanks
    DCFC79
    • #4
    • 6th Sep 17, 1:21 PM
    • #4
    • 6th Sep 17, 1:21 PM
    Do as above, don't go paying money for something she doesn't actually owe.
    Can people stop loaning money/being a guarator to family/friends, it rarely ends well and you lose out as your money is gone or you get shafted with being a guarantor.
  • National Debtline
    • #5
    • 6th Sep 17, 5:14 PM
    • #5
    • 6th Sep 17, 5:14 PM
    Hi cliffness

    Welcome to MSE. It would be a good idea for your partner to start by sending a prove it letter http://forums.moneysavingexpert.com/showthread.php?t=2607247. This will ask Moriarty Law to prove your partner’s liability for the debt before continuing to pursue her. If they can’t do that she can make a complaint, if necessary this can be taken on to the Financial Ombudsman Service who will investigate www.fos.org.uk.

    Susie
    @natdebtline
    We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps
    • poppy10
    • By poppy10 7th Sep 17, 11:20 AM
    • 5,877 Posts
    • 7,122 Thanks
    poppy10
    • #6
    • 7th Sep 17, 11:20 AM
    • #6
    • 7th Sep 17, 11:20 AM
    No one offers to settle a loan that they have no knowledge of.......unless they do have knowledge of it
    Originally posted by Shakin Steve
    Yep. Sounds like your partner is telling you porkie pies
    This post is sponsored by MoneySupermarket
    • Malthusian
    • By Malthusian 7th Sep 17, 11:44 AM
    • 2,884 Posts
    • 4,116 Thanks
    Malthusian
    • #7
    • 7th Sep 17, 11:44 AM
    • #7
    • 7th Sep 17, 11:44 AM
    Yep. Sounds like your partner is telling you porkie pies
    Originally posted by poppy10
    Somewhat unfair. The obvious explanation is that back in 2012 she was taking out a lot of payday loans - and paying them back on time, hence excellent credit record. So she doesn't recall the exact loan as she had too many of them (and it's 5 years ago) but it is plausible to her that she had a loan which she has overlooked.

    Or the OP and their partner could be millionaires in which case the partner may have felt £800 would be worth it to avoid the hassle and stress of corresponding with a debt collection firm.
    • phillw
    • By phillw 7th Sep 17, 3:41 PM
    • 803 Posts
    • 400 Thanks
    phillw
    • #8
    • 7th Sep 17, 3:41 PM
    • #8
    • 7th Sep 17, 3:41 PM
    Millionaires don't usually just give money away, otherwise they wouldn't be millionaires.

    There is no stress dealing with a debt collector, if you have the money to pay them off.

    She certainly wouldn't be the first person to deny all knowledge of something hoping they'd get away with it or even someone who has convinced themselves that they did nothing wrong. You need proof, it could very well be identify theft.
    Last edited by phillw; 07-09-2017 at 3:44 PM.
    • fozmcfc
    • By fozmcfc 8th Sep 17, 10:27 PM
    • 2,994 Posts
    • 2,182 Thanks
    fozmcfc
    • #9
    • 8th Sep 17, 10:27 PM
    • #9
    • 8th Sep 17, 10:27 PM
    The obvious explanation is that back in 2012 she was taking out a lot of payday loans - and paying them back on time, hence excellent credit record.
    Originally posted by Malthusian
    Payday loans on a credit report, do not lead to an excellent credit record. Having them on a report, particularity lots of them, is nearly as bad as having a CCJ or defaults.

    Some providers will give an immediate decline, if a payday loan is on a credit report.
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