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brokeanddesperate

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  1. Thanks for your replies. I didn't know Minicredit were also in the same camp as Opos. I'm sure I've received a letter in the dim distant past from Opos relating to another debt that isn't minicredit related. And Minicredit did pass on to Fredricksons first, before Opos. Has anyone actucally had any experience of the next stage, which according to the letter is court action?
  2. Please help! First, I must confess to being a bit of an ostrich over this. Last year I took out a minicredit loan. Same story as many on here. I applied for £100 and got £80 straight away because they took the other £20 in fast payment fees. Bloody cheek! I wasn't even given the option. Then came the day of reckoning and I couldn't afford to pay it back (£127 at this point). Then the emails and letters came threatening doorstep visits, for which they bumped the charges up by £100 each time. The visits never happened. Within a few weeks the debt was standing at around £812. I sought answers on this forum and duly sent emails to minicredit offering the original loan + 1 month's interest. I wrote roughly every other day for about a couple of weeks. I received no replies and didn't hear from them again. So I buried my head in the sand once more. Some time towards the end of last year (can't remember when exactly) I received a letter or 3 from Fredrickson's but ignored them. My head was well and truly in the sand by then. Then I heard no more. Within the last few weeks Opos have been in contact, both through email and in writing. The emails wanted me to phone them and I emailed back to say I didn't do phone calls and if they had anything to say to me they could put it in writing. The emails, btw, didn't say anything, just phone this number quoting this reference. Until the physical letter arrived through my letterbox I hadn't a clue who Opos were representing. Since then I have received 2 more letters, the most recent one today and decided it was time to remove my head from the sand and deal with it. Today's letter is the Final Notice of Intent, and they're threatening court action. I say bring it on, because how are they going to justify the charges and the way the debt has risen from £80 to £812? I really need to deal with this now. Please can someone suggest a course of action and what I should be saying to these scoundrels. Also are there any templates I should be using, for quoting the right sections of laws etc.? Your help would be very much appreciated. Thanks.
  3. Thanks silligirl. I have emailed minicredit and am preparing my case for Consumer direct. Let's see what happens now.
  4. Thanks silligirl. From previous experience I know that trying to get an appointment at the CAB is difficult - we're talking in 2 to 3 weeks time in the area where I live. Is there anything that the CAB would do that I can do myself, or is it the weight of the CAB behind me that counts?
  5. I am in exactly the same position as a number of people on the forum. A £100 loan from minicredit has escalated into over £500 as they rack up god knows how many charges. The latest is they are going to send a doorstep collector around some time this week! Help! I am on housing benefit, not unemployment benefits. Will this count as 'benefits' for me to offer £1 a month?
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