you need to contact consumer direct who will pass detail onto trading standards

oft do nothing -they dont respond to individual complaints best bet is write to fos then oft as well as you will get interaction with fos wheras with oft they will accept your complaint but they wont contact you

these pdl companies are really silly.if they dealt with queries rationally they would achieve much more -i think the issue is that this type of lending will become regulated and so loansharks like minicredit that are based abroad and only have a uk mail address will be closed down.i think they will in any case due to their consumer license being complained about to fos if you all keep complaining about this company to fos they will get their credit license revoked:mad2: the fos is investigating them as we speak-always pay what you can afford and dont ever let them get you upset with their silly letters:whoo: block their calls cancel your cards/bank accs and make sure you set up a debt management plan with payplan and tell minicredit to contact payplan only dont enter into phone calls with them and remember rule of thumb is 1 month interest +amount borrowed nothing else they wont issue court action and debt company they claim to use is fake:-x relax folow advice and whatever you do dont take a pdl again:madgrin:

debt collectors they are charging for dont exist pay token payment monthly advise them that no visit by them or anyone else will ever be convenient pay by postal orders only send all post by recorded delivery or better still special delivery open a spreadsheet and make a note of what you owe+ 1 months interest then deduct each payment you make from this then send them a statement of account each time you pay them

good for you in standing your ground the burden of proof for criminal courts is much much higher than civil ones and it is a high level of probability that they have to prove that you intended to defruad if you did not set out to defraud then yes say so just because you have had an overpayment and just because you have had a iuc does not mean that a court casde will happen make a point of getting the overpayment figure from the dwp-ask them to verify this figure do not admit you have defruaded deliberately -unless you have of course appeal the overpaymnt figure all the way the person you saw has to direct their paperwork to stirling office of dwp they make a decision which of course you can appeal it does not matter that you have had an iuc it does not automatically mean mag court date and remember even if it does it means onlt commuinty service and wrap on nuckles its not life threattening you will get through this stay strong dont admit guilt when you are not guilty and let me kno how you get on

fact is if you tell the truth you cannot go wrong in the iuc did you get option to admit overpayment and you would get a fine or caution? fact is even if it does go to court set up repayment plan make your first payment before court date if that happens -remember not every overpayment is prosecuted,as per advice above,admit over payment,set up plan,make payment,apologise for being overpaid and all will be well worst case mag court bound over or caution with unpaid work,most cases i have been involved with get dealt with out of court settled by dwp and accused with caution thats it admit overpayment but mitigate that you did not intend to be overpaid and you are sorry if you have been and as overpaid you have made arrangement and have made payment to start off-as per recent example above you will be ok-it is not nice but it is not life threatening and you will get through it trust me

read my prior threads re minicredit which take you step by step through process

you have to phone them ,they will fill out a form then they send it to you to sign once you have it make a copy and keep safe-put a letter then to mini credit advising that you have now complained about them to fos it does make a difference

1.contact disability alliance they have specific caseworkers that will deal with this discrimnination 2.open new acc-cancel old card 3.put offer in writing with token payment of 1 pound and keep paying that whilst you then refer these debts to payplan whom you arew going to set up a debt repayment plan with they will negotiate with minicredit nb never agree to pay more than 1 months additional interest +money borrowed 4.write to mc and tell them how it is-as they have refused to discuss in a reasonable way you are now referring this to payplan along with numerous other debts tell them that you will no longer accept calls or their silly text messages and that they should contact payplan instead 5.write to financial ombudsman make complaint 6.provide financial info to payplan only and agree a repayment you can afford-do not let these sharks make you stressed it is after all them who have ripped everyone off

you will have access to a duty solicitor in court and you can get at least 1 free sesion with a qualified solicitor if you are a member of a union or you have legal insurance you can call for a consultation which is free also i would do both add legal protection on your car policy/home insurance then call for advice then go to law society web check out welfare lawyers in your area all of hich will have an initial meeting with you free also contact cab as sometimes they will come with you and or represent you at court and at iuc's as it is an interview under caution of course you can say nothing.it may infer your guilt they will say before hand that "you do not have to say anything etc etc ..."this is what you are read out before meeting as it is an interview under caution same as if you were in police station be honest and give all information requested regarding what you are asked do not elaborate past what you are asked unless you are asked not being dubious here but answer questions you are asked not ones you are not.

please contact your local cab they normally will have staff that can attend these with you i think even if you have to pay a solicitor it is really worth paying

sorry if my last post was not clear what i meant to say was if someone was earning over 100 pounds a week and so were overpaid and teh overpayment for each month was 200 pounds for the purposes of the carers allowance working out if you had ben overpaid would they say ,you have been overpaid 200 pounds per month but you have priority expenses of 700 a month so do they deduct this monthly priority set of payments from the overpayment to work out if you have been overpaid or do they add the overpayment to what you earnt and deduct the priority payments please advise as i am sure this would be very useful to know for all on here

thank you for your response -so does that mean if you earn over 100 pounds a week ,and so technically cant get ca that that they take off your priority living expenses off of any overpayment to judge if you have been overpaid or do they use it as a barometer as to what you can afford to repay if you could please confirm i would be most grateful

i didnt think that all of these could be taken into account against income for this i thought it was strict allowance of what you earned only with a few things that could be taken off can you confirm that these are allowable as i would be most interested to find out

outgoings inc as far as i am aware childcare costs,union subs,pension conts,disbaled child additional expenses the only issue is that you have not advised of changes to your circumstances leading to overpayment i would do a timeline of what you earned and when and notify in letter that you advised them that you had been overpaid and that you were not aware of earnings limits until too late WHEN YOU ADVISED THEM OF THIS SITUATION. mention that although overpayment occurred it was not deliberately done ,you had not intended to get money you wernt due,and that you will pay back if deemed appropriate at a rate you can afford what you have received in error. check through your records to see if you had contacted them before you started work again just in case you forgot also mention as part of your mitigation that you have a disabled child anyone with any humanity about them would recognise how that circumstance can alone cause for your mind to be elsewhere not focused on minutae of forms and allowances-give some detail of this also remember not every overpayment is prosecuted -depends on circumstances.if you admit overpayment but stiplulate that although you realise now that you had gone overt earnings limit that at the time you genuinely were not aware of this criteria to which you are sorry all of this mitigation is appropriate and will lead at worst from hundreds of cases i know of to at worst caution or bind over or conviction but with commuinty service..normally you would get a fine of approx 150 pounds that is if it is prosecuted which it may well not be