Good Morning

I received a email from Oposlimited debt collector trying to get me to pay £1156 on behalf of Kapama (Minicredit) This is a loan I took out in 2011 - 2012 for the amount of £100. Cut a long story short, i struggled to pay it back but we eventually came to the agreement of paying £150... the original loan amount plus 1 month interest. Anyway.... as I was saying, today they emailed me saying I owe £1156.

Kapama (Mini Credit - https://www.minicredit.co.uk) Refs: XXXX and XXXX

Statement Date: 26/02/2016 Current Balance:£1,156.00

Period Covered: 26/02/2015 to 26/02/2016

Your Account Summary

Loan Amount £100.00

Interest Charges £121.00

Debt Collection Charges £100.00

Default Charge 1 £25.00

Default Charge 2 £50.00

Attempt Charges £910.00

Paid £150.00

Adjusted £0.00

Outstanding Balance £1,156.00

Weird ay?

Hi

Was this agreement to pay the £150 made in writing or verbally?

As it stands, the charges they are attempting to levy are all unenforceable as they do not represent the actual costs involved.

'Attempt Charges'! that will never stand. No breakdown, nothing! Default charges, the same

Hi

Was this agreement to pay the £150 made in writing or verbally?

 

As it stands, the charges they are attempting to levy are all unenforceable as they do not represent the actual costs involved.

 

'Attempt Charges'! that will never stand. No breakdown, nothing! Default charges, the same

Agreement was made via e-mail, unfortunately I have no record as I don't keep e-mails that long!

All those charges are reclaimable

Thanks for replies

Another thing. Were you already in financial difficulties before taking out the loan with mincredit?

The reason I ask is that there is a case where the Financial Ombudsman has told Kapama to write off a debt made up of interet and charges after the customer paid off the loan and a bit more to cover interest.

Hopefully this link will work

http://www.ombudsman-decisions.org.uk/

type in Kapama limited and go back to November 2015

moved to the minicredit forum

lots to read here relating to your issue

dx

They replied to my email today.

Good morning Karl,

I can see that you paid £150 on 31/07/2012. At this time we closed the account as disputed and returned it to our client. At no point did we tell you we were accepting £150 as a settlement, the payment was too low to be accepted as a settlement. Therefore, the balance is still outstanding with our client.

Kind regards,

Rebecca

-

I just replied saying that those charges are NOT enforceable and will not stand up in court. I have informed them I have contacted the financial ombudsman.

Morning

Had a reply from Opos.

Good morning,

The Financial Ombudsman will advise you to go through our complaints procedure first. Please contact one of our trained advisors on 0141 428 3990 to discuss this.

Regards,

Rebecca

Should I advise I would like to keep all communications via email? Also is there some kind of template to use for a reply to this?

Cheers

Karl

This is correct. If you haven't raised a formal complaint then the FOS will direct you back to Opos.

Write a letter with the heading Formal Complaint so that the hard of understanding know what it is all about.

While this is to do with Opos and Kapama, the FOS have other companies where they have upheld a complaint so you could do a search and see if any of them are relevant to your particular circumstances which is also why there are no dedicated template letters. Every situation is unique to you and a template will do you no justice.

All you need is a brief rundown of what you believe the issue is and what you would like them to do to resolve it. You can include case references from the FOS if they are similar to yours to help them.

You must give them 8 weeks to respond or if they reject your complaint sooner.