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daisydream

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  1. Hi all. A few years ago, I got myself into a mess with various payday loans and have spent the last couple of years paying them all off. Earlier this week I received an email from a company called "kapama credit" stating an account of mine had been passed onto them from Opos. The loan in question is from minicredit. A loan for £100 of which I only received £80. Due to being in the midst of my payday loan mess, this wasn't paid back.. As my head was firmly stuck in the sand, I did nothing. I was in touch with opos back in 2012 and at one point was offered the chance to pay a settlement of £150 which ended up not paying. The email i received this week states I owe over £700. In a panic, I offered them the £150 again, which they refused, stating the minimum they can accept is £392!! I then asked them for a breakdown of the account and this is their response: Principle - £59.89 Interest - £69 Attepmted payment fees - £555.50 Debt collection fee - £100 I want this sorted asap but not sure of my next steps. How much of this do I technically owe?
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