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    • And yes, they state their client is EON and that they can return the debt to EON who can either register a default or take me to court. 
    • Thank you. The npower debt was from 2019/2020 until EON took over the account late 2021.   npower had set a DCA on me even though I owed them nothing. I spoke to a customer service agent, following up by email, who confirmed I was in credit . I made a complaint to head office who sent a barrage of emails, changing the amounts each time. According to them, I owed £279.   The debt grew to what it is now as first npower and then EON subsequently failed to put a payment arrangement and direct debit in place to pay off this supposed sum and my ongoing bills.   I was very ill with Covid, struggling in lockdown with a disabled child and informed them of all this.   EON stopped their legal action when I took them to the ombudsman as this was part of my complaint and requested remedy but I have not received a notice of discontinuance.    I would like to set up my own dd to pay them off but am concerned they could still take legal action. I am on a low income and can’t afford to pay them more than a token amount each month.   
    • Thank you guys! @lookinforinfo thank you for the case, it seem to similar with my case which is gold. @Nicky Boy shouldn't be ICO?   Personal data breaches: a guide ICO.ORG.UK   For CAG I found this  The Confidentiality Advisory Group (CAG) is an independent body which provides expert advice on the use of confidential patient information. This includes providing advice to us, the Health Research Authority (HRA) for research uses. It also provides advice to the Secretary of State for Health for non-research uses.
    • HB - yes I agree it is about their paperwork and advice.  I need to be clear in my head what my complaint is.  And what a result looks like for me? (They should never have placed me with the shark with whom I've had all sorts of issues - but I don't think that's my complaint focus -v-  broker) 
    • HB - all sorts of issues have been in court; the main one re repo remains in court, no resolution.  They all stem really from bad advice by broker.  Indeed, but if the Ombudsman is prepared to accept the complaint, it would be about the advice given by the broker and their paperwork, wouldn't it? You seem to be asserting that the problems you've had stem from their bad advice. HB
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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

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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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