Another update to my list of debts and this time I discuss my QuickQuid Debt.

My debt with QuickQuid stems from a payday loan I had taken out.

I had been deferring my QuickQuid Loan payment for a number of months before I decided it was time to default.

Here are the usual pieces of information: –

Current Balance: £443.55
Original Balance: £518.37
Charges Added: £168.37

What happened when I didn’t repay my QuickQuid account?

Apart from receiving a lot of e-mail telling me my account was overdue, not a lot really happened for the first six months. I received a couple of reminder letters through the post as well.

I did attempt to set up a three month repayment plan with QuickQuid but found them completely uncooperative. Their dealing with me was a complete disgrace. I wanted to settle the account over three months but they were having none of it.

Well fine, I thought I will leave them to it and I did.

After a total of six months had passed, the account was passed to a Debt Collection Agency called Face2Face contact. I was also told that my account would be marked as defaulted on my Credit Report.

What happened with Face2Face Contact?

Just the usual letters really demanding payment. Not to worry I thought, I will send off my offer of repayment letter along with an income and expenditure form.

Nothing memorable happened whilst Face2Face were collecting the debt. I paid, they collected and that was about it. I don’t recall having any issues so to speak.

After about a year, the account was passed to Mackenzie Hall.

What happened with Mackenzie Hall?

Hmm, at first they were a complete nightmare. I was misinformed on the telephone that they could get an attachment of earnings order straight away.

When I explained that they could only do this once they had a County Court Judgment against me, and then only if I did not maintain the payments I was told I was wrong.

OK I thought these guys sound like a nightmare. So I told them, go ahead take me to court if you like. I have been there before and you certainly don’t scare me with your threats.

Instead a continual cycle of letters were posted out to me, threatening court action or a visit from a doorstep collector. I thought ok I will get some tea and biscuits ready.

Again this did not concern me. Yeah I am in debt, what of it? I have already had visits from doorstep collectors. I just tell them go away. I have already tried to reason with your company and been ignored so go take a hike.

Instead I crafted my generic letter, along with a complete income and expenditure and can you guess what happened? They accepted my repayment. I have not been bothered since then.

What are my plans for my QuickQuid debt?

It is on the list to be settled by the end of next year. I am also investigating what charges were added on and will try to reclaim these as well. I will keep you updated!

Have you had any dealings with QuickQuid or Mackenzie Hall? If so what happened?

If you are struggling with Payday Loan Debt please visit the Debt Help section on this blog.