Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



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
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    nimbletiger01 Novitiate



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    Default Minicredit unaffordable lending

    Hi there

    I wanted to make a complaint about loans issued to me by Minicredit back in 2012 (ish).


    I know they have been wound up but when I went to Opus/ Kapama they said they have no record of them?

    I have read on here though that they are all the same company so I am confused.com.

    Is there any point in going to the fosicon if they claim to have no record or is this a known avoidance tactic?

    Also does anyone know who was the appointed Administrator for the MC wind up / dissolution as I thought I could possibly trace it through them but I am struggling to find this information online (even at companies house).

    Any help would be much appreciated.

    Thanks


  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: Minicredit unaffordable lending

    Opus/Kapama ARE minicredit. Same people run it.


    They just created those companies to "buy " the debts when minicredit were being chased by the regulators.


    Someone on here actually spent a lot of time digging into the workings, including going to their "offices" Which in reality was a run down empty garage.

    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..


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  3. #3
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    nimbletiger01 Novitiate



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    Default

    Soooooooo.........they're telling me porkies?

    Do I go to the fosicon?

    Has anyone else been told that there is 'no record' of their loan.

    I found the IP/ Administrator by the way.


  4. #4
    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: Minicredit unaffordable lending

    Quote Originally Posted by nimbletiger01 View Post
    Soooooooo.........they're telling me porkies?
    Minimuppets prime business method.

    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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  5. #5
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    acid53 Novitiate



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    Default Re: Minicredit unaffordable lending

    no point really going to fosicon - lots of us have had complaints upheld but no way of getting money back from them whatever sneaky way they restructured....only worth going to FOS is Opos/Kapama are chasing you and the debt is made up of lots of charges


  6. #6
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    pb8111 Novitiate



    Follow Real_CAG on Twitter
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    Default Re: Minicredit unaffordable lending

    Hello, I had a loan with these sharks in 2012 - basically got 6 months before the 6 yearsicon is up, has anyone had any success in claiming back unfair monies from this tossers?

    45k Debt - June 2016
    35k Debt - May 2018

    The battle is slow but I will win the war
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  7. #7
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



    Follow Real_CAG on Twitter
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    Default Re: Minicredit unaffordable lending

    yes go try cant hurt
    get an IRL complain running
    see our guide

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