Anyone heard of these?

Are they another in house collections unit of minicredit/opus limited?

I've had an outstanding balance of 1,336.20 in which they claim they are owed from a loan that started at 220.00 in which 19.50 of that 220.00 I never even saw...

I rang them and they said they will not even knock a single penny of this balance off at all... Saying it's in the T+C's etc...

They only offered a chance to pay back in installments and with that sum of money they are asking for they can have a pound a month from me!

Anyone know what to do in beating the crap out of these cowboys?

Thanks in advance...

Sounds like someone acting for minicredit and trying to collect their unlawful charges.

You need to stop ringing them. They will say and do anything over the phone to threaten and intimidate you into paying what they think you owe. Not what you actually owe.

Their website looks a little suspect too. No mention of any credit or company licence number. Infact, the Oft has no record of any credit licenced company at that postcode either. They look like a normal DCA that collects for multiple companies, but there are a hell of a lot of complaints online about them.

Company info:

Company Details



Print Page. Open help text in a new window.

Name & Registered Office:
ORIEL COLLECTIONS LIMITED
CHELTENHAM HOUSE THIRD FLOOR 
CLARENCE STREET 
CHELTENHAM 
GLOS 
ENGLAND 
GL50 3JR 
Company No. 04807044




Status: Active 
Date of Incorporation: 23/06/2003

Country of Origin: United Kingdom 
Company Type: Private Limited Company
Nature of Business (SIC):
82911 - Activities of collection agencies
Accounting Reference Date: 31/12
Last Accounts Made Up To: 31/12/2012  (GROUP)
Next Accounts Due: 30/09/2014
Last Return Made Up To: 23/06/2013
Next Return Due: 21/07/2014 
Mortgage: Number of charges: 5 ( 3 outstanding / 2 satisfied / 0 part satisfied ) 
Last Members List: 23/06/2013

Also: http://companycheck.co.uk/company/04807044/ORIEL-COLLECTIONS-LIMITED

Their website looks a little suspect too. No mention of any credit or company licence number. Infact, the Oft has no record of any credit licenced company at that postcode either. They look like a normal DCA that collects for multiple companies, but there are a hell of a lot of complaints online about them.

 

Company info:

 

Company Details

Print Page. Open help text in a new window.

Name & Registered Office:
ORIEL COLLECTIONS LIMITED
CHELTENHAM HOUSE THIRD FLOOR 
CLARENCE STREET 
CHELTENHAM 
GLOS 
ENGLAND 
GL50 3JR 
Company No. 04807044




Status: Active 
Date of Incorporation: 23/06/2003

Country of Origin: United Kingdom 
Company Type: Private Limited Company
Nature of Business (SIC):
82911 - Activities of collection agencies
Accounting Reference Date: 31/12
Last Accounts Made Up To: 31/12/2012  (GROUP)
Next Accounts Due: 30/09/2014
Last Return Made Up To: 23/06/2013
Next Return Due: 21/07/2014 
Mortgage: Number of charges: 5 ( 3 outstanding / 2 satisfied / 0 part satisfied ) 
Last Members List: 23/06/2013

 

 

 

 

 

Also: (post count must be greater than 10)

So, Just as I thought, Another rogue trader... No idea what to do next... It was obvious from the outset that something fishy was going on since they are not prepared to lower the amount owed and claim further charges could be added on.

They cannot add on any charges whatsoever. The OC can try to do it, but they wouldnt be able to justify it so they would be unlawful and unenforceable. Sadly, minicredit are well known for this. The good thing though is minicredit could be facing losing their licence very soon.

They cannot add on any charges whatsoever. The OC can try to do it, but they wouldnt be able to justify it so they would be unlawful and unenforceable. Sadly, minicredit are well known for this. The good thing though is minicredit could be facing losing their licence very soon.

So staying silent might still be my best option for now over a loan that was taken out in June 2012... It has been with Opos for about 18 months before being moved onto Oriel.

Opos is minicredit. If they have passed it on yet again, then it is definitley suspect. Even opos normally drop the amount owing and arrange a repayment plan. But since they will likely lose their credit licence soon, theyre possibly trying to get as much money as possible.

Opos is minicredit. If they have passed it on yet again, then it is definitley suspect. Even opos normally drop the amount owing and arrange a repayment plan. But since they will likely lose their credit licence soon, theyre possibly trying to get as much money as possible.

Yes, I knew that OPOS was part of minicredit, But I didn't know who were Oriel, And also why they are also still claiming the 1300+ amount that is unlawfully owed. This is why I have come on here so I can try and deal with this as best as I possibly can in the right way.

Opos prob just sent the original debt to them. As far as the new dca is concerned, thats the number that was sent, so thats the number you have to pay. Good news is, if they dont own the debt, then they cannot do a single thing to you apart from writing a few laughable threats in a letter.

Opos prob just sent the original debt to them. As far as the new dca is concerned, thats the number that was sent, so thats the number you have to pay. Good news is, if they dont own the debt, then they cannot do a single thing to you apart from writing a few laughable threats in a letter.

I'm not prepared to pay back 1300+ though for a 220 loan... Maybe if they say 400 and I'd pay it just to get rid of them once and for all.

I tried once with minicredit/opos to lower the balance quite sometime ago but they wouldn't drop below 650 or about half the balance they say I owe.

You dont have to pay that amount. Read the minicredit forums. They are very VERY well known for trying it on to make profit for themselves. Just glad the OFT have caught on to this. The ONLY amount you owe ( unless they can prove otherwise and prove it is enforceable), is your original loan, original contracted interest and thats it.

Regarding the transfer fee, was it a same day transfer, or did it take a day or two?

You dont have to pay that amount. Read the minicredit forums. They are very VERY well known for trying it on to make profit for themselves. Just glad the OFT have caught on to this. The ONLY amount you owe ( unless they can prove otherwise and prove it is enforceable), is your original loan, original contracted interest and thats it.

 

Regarding the transfer fee, was it a same day transfer, or did it take a day or two?

It was a same day transfer saying that a 19.50 admin fee would be deducted from the original loan.

So theyre calling it an admin fee? Im betting its unenforceable. How can they justify 19.50 for a same day transfer?

So theyre calling it an admin fee? Im betting its unenforceable. How can they justify 19.50 for a same day transfer?

It's either that or its a "transmission fee or drawdown fee" I cannot find anything on their website about it.

Right, I want to make a complaint against these rogues, How do I go abouts doing it?

Well you can make one to the oft that will get added with other complaints. Fos wobt get involved until you get a final response from minicredit or 8 weeks elapse since you started the complaint; whichever comes first.

Well you can make one to the oft that will get added with other complaints. Fos wobt get involved until you get a final response from minicredit or 8 weeks elapse since you started the complaint; whichever comes first.

Where can I obtain information on the breakdown of my debt, I may have to wait until they decide to take me to court, I'm prepared to fight the debt that way.

You ask the creditor for the breakdown. They cannot say no, although they will try and give you an incomplete statement. I think your best bet to find out exactly what has been going on is to send a SAR. It costs £10 but they are legally required to fulfil it. If they don't, then you can take them to court for disclosure and comp.

Ignore. Keep pushing minimuppets/Opos.

if you want to tell this silly DCA anything, tell them the debt is still in dispute. Dont give them anymore info than that.

Update...

This thing is in a complete stalemate. Decided to take your advice of ignore and it appears to be the best way to beat these if you don't give a damn about getting future credit.

This was passed back to Opos then to Kapama and then back to Opos. Recieved assignment email back in January and now just recieved an email from Opos asking for immediate payment which I am going to continue to ignore... This is nearly 18 months since it went to Oriel collections. I don't see this getting resolved at a reasonable amount for quite some time.

More emails... Ignored

Phone calls... Ignored

Even a letter recently which is the same as one of the emails... Ignored

This has been on going for over 3 years now with still no sensible resolution to payback a reasonable amount to the £220 short term loan and this is now the only payday loan I have outstanding. Just a little frustrating this isn't going anywhere anytime soon. How I wish the FCA ruling of never pay back 2x doesn't apply to pre-2015 pay day loans I would of been happy to pay £440 to just get this over with.

I am in the same position with minicredit

stalemate for the last 3 years

£3200 for a £500 loan

I am in the same position with minicredit

stalemate for the last 3 years

£3200 for a £500 loan

It's things like this is what is potentially stopping me from securing a 0% balance transfer deal with Barclaycard, They do 18 months at 0% for 'average' credit history and yet of course I get declined when in fact it would help me in a great deal to pay off existing debt on my Vanquis & Aqua accounts. This is the only thing that is holding me back now.

Default registered for 2015, When in fact it's in 2012.

All other payday loans were paid off between 2012-2013, with the exception of Wonga who wrote the entire balance off.

if you have other PDL's at the time

and lots of other credit too

why not complaint about irresponsible lending?

if they don't help

goto the FOS about it.

no good sitting on a forum waving your arms and doing nothing.

move it forward yourself.

dx