Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)

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  1. #1
    Basic Account Holder jelly1001 Novitiate



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    Default Being threatened with a defaut for charges, I paid the debt!

    Basically I had a payday loanicon with minicredit, I couldnt afford to pay so tried to get a payment plan, eventually after being 13 days late from the payment due date I managed to scrape some money together and pay off my 200 loan plus a months interest. But minicredit wanted 200 extra for charges which I refused. I sent a letter plus a copy of my emails back and fore to minicredit to the fosicon and OFT, I am now awaiting the outcome of the investigation. But minicredit are now asking for 580 in charges and have stated they will be putting a default on my credit file on the 29th May. I am so angry and upset, I only have 1 year left before all my defaults drop off my credit file and they are going to put a new one on there. Please help, I am beside myself. I've paid off every payday loan I've ever had, and am just seeing light at the end of the tunnel, and now I face another 6 yearsicon, plus the time is takes to rebuild my credit again. What do I do?


  2. #2
    Royalties Account Holder renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp's Avatar



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    Default Re: Being threatened with a defaut for charges, I paid the debt!

    Send a letter to them stating that you have paid the loan in full. ALso send the following letter: http://www.consumeractiongroup.co.uk...ng-of-the-debt then ignore EVERYTHING they send unless it deals directly with the "prove it" letter. Be warned, you need to have a hard head, as they will start sending you a LOT of harassment and abusive letters. Make sure you keep a copy of each and every one as we can easily form a defence with them, and take them to court if they persist in pursuing a debt that no longer exists.

    Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..


    If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks
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