i did the only option available - i declared myself bankrupt - it was the only way i could get rid of them - evil evil people they are

sadly i didnt record the call, was kinda caught off guard as it was a private number a nd i thought it was somebody i knew ringing me. I am so fed up of these people, i have had 3 other loans with them and have paid them all off well within the alloted month they were due and now that i have an issue with this one, they are just such mean and nasty people. The loan was £130 and they are demandinfg £1200!!! I have sent them an income/expenditure letter, offered a nominal monthly payment yet they just dont seem to have any consideration for people genuinely having financial issues. If you go on the website of 'opos' and 'minicredit' they go on about customer satisfaction and always strive to achieve a mutually beneficial solution should there ever be a problem - what a load of **** that is!! It has made me so ill with my nerves that i am on the miximum dose of prozac a day and am having to go for a counselling assessment.

the guy said that they will take me to court, of which they do not have to provide me with any papaerwork and they will do the case in my absence, as it is a non-defendable debt and i dont need any paperwork and that they can apply for an attachment against my disability benefits - is there any truth in any of this?

they point blank refused to offer me any other ways to pay them so they ended the call on the final note that a DCA would call at my home.

Re: Minicredit/Opos Just had a call from DERS regarding my Minicredit loan. First it was Opos now these muppets!! Made out it had jus t been brought to his attention that my account was in default and that he was prepared to do me a big favour, even though he shouldnt be, and that he would accept £5 a fornight....... .....there was a catch though... ...only on the provision that i gave them my debit card details!!! I said i didnt want to but i was more than happy to make alternative payment arrangements, pretty much as i had been doing so with Opos, making a direct payment into their account, but he said that he had to have my bank card details or no deal!!! I asked him for his contact details, which he gave, but he said that if i didnt agree there and then, then the offer to accept lower payments would be revoked and they will send someone round to my property!! What do i do? did i do right in refusing my bank card details?

Just had a call from DERS regarding my Minicredit loan. First it was Opos now these muppets!! Made out it had just been brought to his attention that my account was in default and that he was prepared to do me a big favour, even though he shouldnt be, and that he would accept £5 a fornight............there was a catch though......only on the provision that i gave them my debit card details!!! I said i didnt want to but i was more than happy to make alternative payment arrangements, pretty much as i had been doing so with Opos, making a direct payment into their account, but he said that he had to have my bank card details or no deal!!! I asked him for his contact details, which he gave, but he said that if i didnt agree there and then, then the offer to accept lower payments would be revoked and they will send someone round to my property!! What do i do? did i do right in refusing my bank card details?