Quickquid issue loan...then close my account

jodiie.anne

jodie: I took out £50 a couple weeks ago, it was issued i payed back the £14.75 and was due to pay £64.75 today i noticed this mornig that the funds hadnt come out of my bank, i went to go into my online acount and it wouldnt let me access my online account saying that my email address isnt registered with you, so i phoned up to be told that my account had been closed by you, i asked how i would go about paying the £65.75 that i owe today and they said that my account balance is £0.00 and i owe nothing. i dont understand this? so are you just simply writing off what i owe you? i have asked them to send me confirmation via email and havent yet recieved anything. i am unsure what to do now?
QuickQuid: After a careful review of your application, we are unable to provide you with a loan at this time. Information may have been gathered from a Credit Reference Agency (CRA) for use in your loan decision. If you would like a statement of specific reasons why your application was denied, please contact the CRA directly at the address shown below within 60 days of the day that you applied for the loan and were declined.
QuickQuid: Consumer Services
QuickQuid: CallCredit Limited
QuickQuid: 0870 0601414
QuickQuid: PO Box 491
QuickQuid: Leeds
QuickQuid: LS3 1WZ
jodie: i wasnt declined i was accepted
jodie: i recieved the funds in my bank
jodie: i payed back the 14.75
jodie: and now i cant pay the 64.75 because you closed my account
jodie: and you are saying i owe you nothing
jodie: yet i havent paid the remaining 64.75
QuickQuid: That is correct
jodie: so what do i do now? how do i pay back what i owe
QuickQuid: There is nothing due at this time Jodie. Is there anything else I can help you with today?
jodie: yes there is because i havent payed you back the £65.75. so your telling me that you have wrote it off complitily and it doesnt ever have to be payed because you closed me account?
jodie: yes there is because i havent payed you back the £65.75. so your telling me that you have wrote it off completely and it doesnt ever have to be payed because you closed me account?
QuickQuid: This is correct Jodie. You do not owe a balance with us.
QuickQuid: Did you have any other queries?
jodie: can i have a email confirmation of the closure of my account please and my balance
QuickQuid: I do apologize we do not have an email confirmation to provide, however, I did confirm for you the account is closed an there is no balance due.
jodie: ok i have emailed the transcript of this to myself as written prove
QuickQuid: Okay Jodie. Is there anything else I can help you with today?
jodie: no that was all thank you

confused112

Jodie I had almost the exact same conversation...it seems extremely dodgy to me and I just know I will end up with a call in a few weeks telling me I owe them even more money. No idea what to do.

RuthnJasper

I'd be willing to bet that QQ have just had a new computer system installed which has made everything go t*ts-up or that their existing system has crashed. Therefore all the 'phone bods have to go on is incorrect data.

You're doing exactly the right thing by saving the records of your conversations/livechats and by keeping the money to one side so that it can be repaid if it's called for. Beyond this to cover yourself - and your efforts to inform them of their error, there isn't a great deal more than you can do.

Just don't spend the cash needed to pay them back!

Best wishes. xx

Vikipollard

Make sure you keep written evidence so that if(when) they say you've defaulted and they bang ridiculous chaarges on, you can go back at them and get the record set straight.

confused112

I have kept a copy of the instant message conversation I had with a member of their staff and taken a screenshot of their money going into my bank account. When I call them tomorrow I will ask for a letter to be sent to my house confirming my balance (but I'm guessing this will not happen).

Do they have to provide paperwork by law? I would still be perfectly happy paying off the original amount + interest owed by 30th March (my second and final payment date), but if they charge more default fees on top of this, surely this breaches some sort of rule?

confused112

Spoke to them again via livechat tonight....I'm reluctant to talk to them via telephone at the moment as there will be no record of the conversation. Here it is, let me know what you think:-

Hello! Thank you for choosing QuickQuid, where you can get 10-Minute Money, 24/7. A representative will respond to you shortly
All representatives are currently assisting other customers. Your estimated wait time is 9 minutes and 23 seconds. If you prefer not to wait, please send us an email at support@quickquid.co.uk or ring customer service at 0808 234 4558 Thank you for your patience.
All representatives are currently assisting other customers. Your estimated wait time is 3 minutes and 23 seconds. If you prefer not to wait, please send us an email at support@quickquid.co.uk or ring customer service at 0808 234 4558 Thank you for your patience.
All representatives are currently assisting other customers. Your estimated wait time is 1 minutes and 32 seconds. If you prefer not to wait, please send us an email at support@quickquid.co.uk or ring customer service at 0808 234 4558 Thank you for your patience.
You are now chatting with Niyoki.
Niyoki: Thank you for contacting QuickQuid, where you can get 10-Minute Money, 24/7. I'd be happy to assist you with any questions you have. Before we start, can you please verify your full forename, surname and year of birth?
xxxxx: xxxxx xxxxx xxxx
Niyoki: Thank you for providing that information. Just a moment while I review your account, please.
Niyoki: Hello, xxxxx. I've read your pre-chat survey. I'll be more than happy to assist you with the status of your loan.
xxxxx: i had a payment due today which was not taken from my account
xxxxx: for £62.50
xxxxx: loan id is xxxx
Niyoki: I can assist you with your loan questions today.
Niyoki: Sorry about the delay, xxxxx.
xxxxx: also i cannot log into my account, and i have been told it has been closed
xxxxx: meaning i cannot make partial payments
Niyoki: Please hold one moment while I access your account.
Niyoki: Sorry about the delay, xxxxx.
xxxxx: ok
Niyoki: Thank you.
Niyoki: I'm still working on your account.
xxxxx: ok
Niyoki: Thank you, xxxxx. Our records indicate that your account is currently in default. I will need to transfer you to our Collections Department so they can further assist you. Is there anything else I can assist you with before I transfer your chat?
xxxxx: yes
xxxxx: how can my account be in default when my loan is not due until 30th march?
Niyoki: Our records indicate that your loan was due on 08/03.
Niyoki: I would have to transfer you to our Collections Department so that you can get further assistance, xxxxx.
xxxxx: ok, please transfer me
xxxxx: thanks
Niyoki: Thank you for choosing QuickQuid as your trusted online lender. One moment while I transfer your chat.
Please wait while I transfer the chat to the appropriate group.
You are now chatting with Antoinette.
Antoinette: How may I assist you xxxxx?
xxxxx: hello
xxxxx: is this the collections department?
Antoinette: Yes
xxxxx: i have been told that my account is in default
xxxxx: could i have some more details please
xxxxx: the loan id is xxxx
Antoinette: Your account with us is closed
xxxxx: can i ask why?
Antoinette: Based on details provided
xxxxx: i was just told by another member of staff that my account was in default, and that i was being transferred to the collections department
Antoinette: No we cannot assist you as the account is closed
xxxxx: what reason was the account closed for?
Antoinette: I will provide you with a number to contact
xxxxx: i have been given the number previously
xxxxx: can you please confirm how much money i currently owe, and if any debt has been passed for collection
Antoinette: You do not owe us anything as your account with us is closed and has not been passed off.
xxxxx: i took out a loan for £250 and was paid this money into my account
xxxxx: how do i pay this loan back?
Antoinette: You cannot pay the loan back as we have written the account off
xxxxx: can you think of any reason why this may have happened?
Antoinette: No after further review of the account it was closed
xxxxx: does this happen often?
Antoinette: I cannot provide that information, but we have closed your account'
xxxxx: ok
Antoinette: Is there anything else I can help you with today?
xxxxx: can i confirm that i will not be hearing from quickquid regarding missed payments or defaults then?
xxxxx: and is it possible to get this in writing
Antoinette: No we will not contact you and we cannot provide you anything in writing as we have closed the account and any further outgoing contact with you
xxxxx: ok
xxxxx: thankyou very much for your help
Antoinette: You are welcome. Is there anything else I can assist you with today?
xxxxx: no thankyou
Antoinette: You are welcome. Thanks for chatting with QuickQuid, where you can get 10-Minute Money 24/7. Did you know that you can check your loan status, review your repayment schedule, and request a password reset right from your homepage using your Computer or Mobile? Do this - and more - at your personal account on QuickQuid! Please give us your Feedback by ticking Rate Company, we would love to hear from you. Enter for a chance to win an iPad2 just by telling us how your QuickQuid loan helped you and how it made you feel on our Facebook page! Like us on Facebook and receive news about special promotions and discounts!

DCFC79

Sounds odd, 1 chat member says its currently in default and another LIVE chat says the account is closed and the account has been written off. Not sure what else you could do, keep copies of the LIVE chat but i think your doing that already.

Surprised the loan has been written off if true.

Poosmate

Did you go on Facebook and rate the company and leave feedback for them? lol

confused112

DCFC79 wrote: »

Sounds odd, 1 chat member says its currently in default and another LIVE chat says the account is closed and the account has been written off. Not sure what else you could do, keep copies of the LIVE chat but i think your doing that already.

Surprised the loan has been written off if true.

It's definitely not in default, my first payment was only due today, and my final payment isn't due until the 30th. It seems like they have screwed up, but I still feel like I am the one who will get screwed over.

I have kept a record of every live chat so far, not much else I can do apart from phoning them and recording the call. Is this a good idea?

kizkiz

It almost sounds like they have written it off as a defaulted account that never had any payments made.
Think i'd be worried about the bailiff letters and defaults appearing on my credit file.
Of course, that's only vague speculation on my part