Someone pretending to be me applied to payday lenders QuickQuid for a loan of £400 at 5,200% APR interest. Then QuickQuid started to chase me for the repayment, even though I had never taken out a loan with them. When I phoned to complain I was told the call was being recorded, but when I mentioned that I was recording the call as well, I was informed that this wasn’t allowed.
QuickQuid expected me to provide evidence that I didn’t owe them any money, but I argued the opposite: it was up to QuickQuid to prove that I had taken out a loan with them. This they couldn’t do, because they allowed someone to use my identity without having to provide any proof of who they were. QuickQuid even sent the money to a third party bank account not in my name. I feel alarmed that a lender operating in the UK, with a valid Consumer Credit Licence, could operate with such slack controls.
Of course, I won in the end; I was an investigative journalist with consumer champion, Roger Cook, at the BBC. They took on the wrong guy, but still, this was stressful for me and took up precious time and energy to deal with.
I’ve prepared two videos that I feel readers of this forum may find interesting. One is a video of the exasperating phone call I had with QuickQuid, when I tried to tell them that I wasn’t responsible for the loan taken out in my name. The second video is of a recent BBC Radio 4 interview with me about this entire saga. Although I am a newbie here, I hope I will be allowed to post the links to these videos, which appear at my YouTube channel at JonDanzig.com
‘Jon Danzig: My Exasperating Phone Call With QuickQuid’ Click the link below to listen:
‘Jon Danzig: Help! My Identity Was Stolen’ Click the link below to watch this video:
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I just got a letter from QuickQuid asking for money that I never borrowed. Will find out tomorrow what they will do.
If there is any specific legal authority I need to contact then please do let me know.
Thanks in advance
VJ
By the way you are well within your rights to record the conversation. The difference is you DON’T have to inform them.
However when you do they react rather differently! lol.
Sorry mate-wireless telegraphy act 1994 makes it an offence to record ANY conversation illicitly without informing the other party.
Please could somebody clarify the situation over recording phone calls, as companies are wont to do. Is an individual entitled legally etc?
I got scammed by these quickquid claimed they lend u money in 10mins one of they’re representatives phone me for my details & confirmed they’d lend me £100 & it’d be in in 10minutes after 2hours the money still wasn’t there I phoned back & a woman said I wouldn’t receive it till the next day. I told her it was no good then & got her to cancel everything, then about a week later I noticed some company called MYLOANSUK had stole £68 out my account apparently they’re all brokers & when u click u agree to quickquid sharing your information this is apparently accepted by law that some other company u never heard of can take your money claiming its a membership fee apparently you can tell them to refund it back as long ad you ask within 14days but when you contact them they give you lies & the run around after phoning for the 4th time the guy has said he’s issued a refund but I will have to wait & see of it has been
Hi I have just sent a communication to QuickQuid about an unauthorised loan taken from a stolen bank card. If I experience any difficulties, could I message you for some support?
Thanks in advance 🙂