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    • Former billionaire Hui Ka Yan has been fined and banned from the financial market for life.View the full article
    • In terms of "why didn't I make a claim" - well, that has to be understood in the context of the long-standing legal battle and all its permuations with the shark. In essence there was a repo and probable fire sale of the leasehold property - which would have led to me initiating the complaint/ claim v SPF in summer 19. But there was no quick sale. And battle commenced and it ain't done yet 5y later. A potential sale morphed into trying to do a debt deal and then into a full blown battle heading to trial - based on the shark deliberately racking up costs just so the ceo can keep the property for himself.  Along the way they have launched claims in 4 different counties -v- me - trying to get a backdoor B. (Haven't yet succeeded) Simultaneously I got dragged into a contentious forfeiture claim and then into a lease extension debacle - both of which lasted 3y. (I have an association with the freeholders and handled all that legal stuff too) I had some (friend paid for) legal support to begin with.  But mostly I have handled every thing alone.  The sheer weight of all the different cases has been pretty overwhelming. And tedious.  I'm battling an aggressive financial shark that has investors giving them 00s of millions. They've employed teams of expensive lawyers and barristers. And also got juniors doing the boring menial tasks. And, of course, in text book style they've delayed issues on purpose and then sent 000's of docs to read at the 11th hour. Which I not only boringly did read,  but also simultaneously filed for ease of reference later - which has come in very handy in speeding up collating legal bundles and being able to find evidence quickly.  It's also how I found out the damning stuff I could use -v- them.  Bottom line - I haven't really had a moment to breath for 5y. I've had to write a statement recently. And asked a clinic for advice. One of the volunteers asked how I got into this situation.  Which prompted me to say it all started when I got bad advice from a broker. Which kick-started me in to thinking I really should look into making some kind of formal complaint -v- the broker.  Which is where I am now.  Extenuating circumstances as to why I'm complaining so late.  But hopefully still in time ??  
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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advice needed please - Mini Credit and Kapama


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Hello, firstly im sorry if this is in the wrong place, please feel free to move if so.

 

I am looking for some help, in 2014, I foolishly took out a loan of £150, with mini credit. I soon after found myself in a position to be unable to pay it back - any of it.

 

I soon started receiving letters from a company called Kapama, (sp?) who were demanding £741. now i do not believe this to be a correct amount and have challenged this with them several times via email to which they have never replied. However they do still send their standard emails informing me how to pay and how much it is, they also send the occasional letter in the post.

 

The advice I am looking for is, what to do, is this a fair amount for a payday loan? and if they will not reply to me, how can i challenge it, i would like to be able to pay back the initial £150 and say its done, It would also be nice to have it wiped off my credit file, as I think its unfair.

 

Thanks in advance

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Hi and welcome to CAG

 

Firstly, getting the default removed is going to be almost impossible as you did default on the payment.

 

With the figures quoted, I would go back to them and offer what you would have paid at the time of the loan. Everything else that has been added are likely unenforceable and Kapama (Opos) know this. If they have added extra charges, this is not allowed.

 

It's hard for me to say make a complaint as yet but what I would do is offer the amounts stated at a rate YOU can afford. If they refuse (and they will) then you can raise a formal complaint which they don't want as if they fail to resolve the complaint, you can go to the Financial Ombudsman who have found in the customers favour many times.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Did you have other loans and or defaults when you took this out?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Silverfox - thank you for your reply, would my first step be to write or email them asking for the original credit agreement?

 

Dx100uk - yes I did have other defaults but they were like from 2006- 2008, at the time i took this loan out I did have up to date mobile phone contracts

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Silverfox - thank you for your reply, would my first step be to write or email them asking for the original credit agreement?

 

You could but in my opinion, this just delays things as the law changed years ago so that they don't need to prove via an agreement that you agreed to the terms, just that you had benefit of the cash (which you did)

 

Email is fine so long as they send an automated reply but I would rather send a letter and get proof of postage from the post office. OR send the letter Signed For Delivery

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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minicredit and kapama are the same people. They put ona ton of charges and hope you dont notice. I dont even think they even consider court due to the charges.

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

:D

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