Thanks sillygirl and everyone else who has kindly given me advice, which I am following as suggested.

Since sending in my formal complaint minicredit have completely ignored me, so i am putting the money that I would have paid them away and when (or if) i ever get their banking details I can make a payment of the money i've saved.

Personally i think its going to take assistance from FOS to get them to play ball, so i guess i've just got to wait it out until the 8 weeks deadline passes and then make the FOS complaint and take it from there.

Should they take this to court, (and i'm kind of hoping they do as i'm no pushover and I am more than capable of standing my ground and defending myself) then i'm fully prepared to argue my case - now way can they justify adding over £400 (and rising) of charges to a £120 debt, especially when I have stated i wish to make a payment but i can't as they refuse to give me their banking details - no way are they getting their gubby mits on my bank cards, as according to their phone messages they will take as many payments from my bank as they can to clear the debt. I'm sure FOS and a Judge will be very interested in thsat information!!!

Report them to the oft as well as they're breaking guidance regulations.

I received a letter from MC today telling me they are sending a doorstep collector to my home. They haven't even acknowledged my formal complaint. They can try and visit but it won't do them any good - i hope they like talking to brick walls as there is no chace of me opening the doort to them, let alone engage in converation

The clock just keeps ticking away until the 8 weeks are up and then in goes the FOS complaint, just 6 more weeks to go.......

They dont need to acknowledge it. From the time they recieve it, the 8 week timer starts ticking.

As for their doorstep collectors... Read through http://www.consumeractiongroup.co.uk/forum/content.php?441-If-you-do-receive-a-doorstep-visit-we-give-these-suggestions-to-Members

When i was in debt, i had a few collectors come after me. I simply stood in the doorway leaning on the wall ignoring them till they gave up. I very much doubt theyd have tried anything against a 6 ft 2 ex rugby player who had a pretty big german shephard and Alsatian who were conveniently in the garden every time they came round.

The funny thing was, those two dogs were soft as hell, yet the collectors always ran out the gate when they saw them running down the path.

From my own experience I would set up the payment plan, then once you have paid what you owe, if they still want to argue about the charges then let them, they will not take you to court for charges alone. I fought them in court and lost, but they didn't even argue the charges and agreed they should not be added to the total cost.

Just out of interest, did you file a defence and attend the court at the hearing?

hi

I had the same problem with QQ.

They do accept paypal payments which i used, i also got six months out of them by agreeing to their 3 month plan, paying the first month then reduced paymant by half each month. When they emailed me i just replied i will make it up next month.

Fernal

Be very careful with paypal, as they can turn the payments into a subscription, and its not easy to cancel it. This means that even when the loan or payments end, they can still be taking money from your paypal account. Especially if it is linked to a bank account or debit card.

hi

 

I had the same problem with QQ.

They do accept paypal payments which i used, i also got six months out of them by agreeing to their 3 month plan, paying the first month then reduced paymant by half each month. When they emailed me i just replied i will make it up next month.

 

Fernal

I was told on their livechat they no longer accept paypal, just dd or debit card.

I was told on their livechat they no longer accept paypal, just dd or debit card.

I have a repayment plan. with QQ over 12 month paying by direct debit. With direct debit you have direct debit guarantee. this means they cannot change the amount they take from your bank without giving you 10 working days notice. If they do take more than the agreed amount then the bank must stop the payment and claim it back from the company and put it back in your bank account. You then write to the company telling them they have not adhered to the DD guarantee.

You make a good point with regard to DD. I would set-up a secondary account and get the exact amount transferred into the account so QQ can take their direct debit. if you get paid on the last working day for example, set-up the direct debit for the 01st of each month and make a standing order from your salary account to the secondary account and then qq can take their money and not yours!