I have taken out a pay day loan with quick quid 3 times since opening my account. Each time I paid quick quid back early. I have a good credit rating. I am employed full-time with a regular wage. I still live with my parents aside from paying them rent I have fewer bills than most people. I would guess that I am the type of customer that is low risk and I have a reliable proven track record with them. I applied to take out a loan with them on Monday for an unexpected trip abroad I need to pay for. I hadn't herd anything by Tuesday which was unusual (compared to my first 3 experiences). The lady I spoke to told me that it was taking longer than usual to process applications but that there was no issue and I just needed to wait. Yesterday (Thursday) I logged onto my quick quid account on the computer and my application was no longer pending so I checked my account but no money had been deposited. I rang them up to ask what was going on. I was told that it was withdrawn because they hadn't received documentation from me. I said 'I wasn't asked for any documentation'. They admitted that they had forgotten to ask/send me an email about this. I said I had called up on Tuesday to check and the lady I spoke to hadn't informed me of this. They agreed that it was an error on their part. I rang half an hour later to make a complaint. The man I spoke to convinced me to reapply for the loan assuring me it would be processed that day as long as I sent them a months worth of bank statements straight away. Mostly out of laziness and not wanting to fill out long forms for other companies I took him up on this. But by the end of the day I had herd nothing again. This morning I checked on my quick quid account to see if anything had changed and saw that I had been declined! I have taken out 3 previous loans with them and paid them back early. That I would say makes me a good reliable customer. My bank statements confirmed my monthly pay. I have a good credit rating. No reason was given my application being declined. I will NEVER AGAIN use quick quid. If this is how they treat loyal and reliable customers I am quite frankly disgusted. It took me 8 minutes today to apply for a loan from one of their competitors (for the same amount and less interest). It was in my bank straight away. I wish I had done this sooner as this delay has now caused me issues.