Legal Question, Loan Issue?

Hi There,

I recently needed some cash urgently for an unforseen circumstance, after trying friends %26amp; relatives, i still needed the cash and stupidly (yes i know!) opted to use quickquid.co.uk and get a small 鎷?00 loan.

I signed up, verified, and they issued the loan to me on monday this week and told me it would be in my account by 5pm.

Nothin arrived, and still 5 days later, nothing has arrived. I have emailed them and phoned them and they keep telling me, they havent received any funds returned, and unfortunately i am responsible for the full loan amount, THAT I HAVENT RECEIVCED!!

My bank tell me no payment has come in, otherwise it would automatically clear being CHAPS same day payment.

Is there some sort of legal template i can send to quickquid.co.uk to basically tell them i aint paying for a loan i never received, and they just wont contact their bank to find out whats going on, aparently their bank %26quot;wont know anything!%26quot;.

Any advice, other than dont use them!!

Legal Question, Loan Issue?

personally hate these types of companies.

As tumble down teddy suggested go to your bank and get a statement that shows you have received no CHAPS payments from them.

Again tell them you can prove you have received no payment from them and produce them with a copy if they insist on the original check with your bank that you can get another copy first.

After you have provided evidence that you have not received the funding. That should be an end to it at this point it will go one of two ways they will either stick to their guns in which case tell them to take you to court they have no case you have the evidence you need. or they will apologise profusely and tell you we are so sorry the money we be paid in your account tomorrow.

You have managed till now with out it and i would strongly suggest that you refuse the funds.

http://www.quickquid.co.uk/contact-us.ht...

This is the link to quick quid complaints section, fill in their questionnaires e-mail whatever they want let them know you have approached you bank for a statement and ask them to advise wait and see what they have to say.

Good luck x

Legal Question, Loan Issue?

Go to citizens advice bureau.

Ask the co. to verify the bank details that they say they put the money into. There could be an error there.

Also ask them for a copy of the chaps transfer form they will have received a copy from the bank.

Also send them a copy of your personal bank statement covering the date they state that they put the money into your a/c. This will show that you didn't receive the money.

Legal Question, Loan Issue?

If you have signed a promissory note, it is a valid document as to your having received the said amount. If the party had given you in writing that the amount would be credited to your account against your promissory note, and that you haven't

received this amount in your bank account, your promissory

note would be legally void.

If you had given a receipt as having received the said amount, trusting that the lender would be crediting the amount in your account, but he didn't, you re legally bound to pay back the money, if claimed.

Legal Question, Loan Issue?

check to see if there's a 'cooling off' period after you've bought in which you can change your mind, most loans have this %26amp; the last time i had 1 it was 7 days. you may still be able to cancel the loan with no charge to yourself.

Legal Question, Loan Issue?

Ask your bank for a letter stating the money has never been deposited Send quidquick a COPY not the original if they still persue the matter go to the citizens advice and also see a solicitor first hour free but I think the bank letter should be sufficiant

Personaly I would not use these sites

Good luck