Moriaty Law - Quick Quid

cliffness

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.

stevenhp1987

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

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.

DCFC79

Do as above, don't go paying money for something she doesn't actually owe.

National_Debtline

Hi cliffness

Welcome to MSE. It would be a good idea for your partner to start by sending a prove it letter https://forums.moneysavingexpert.com/discussion/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

poppy10_2

Shakin_Steve wrote: »

No one offers to settle a loan that they have no knowledge of.......unless they do have knowledge of it

Yep. Sounds like your partner is telling you porkie pies

Malthusian

poppy10 wrote: »

Yep. Sounds like your partner is telling you porkie pies

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

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.

fozmcfc

Malthusian wrote: »

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.

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.