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    • I can only speak from personal experience. But a similar thing happened to me. Seriously dented door.  I made the other insurance pay. They regarded it as a write off. Took the money, replaced the door. Never heard anything more about it.    Except clearly someone sold my details to claims company, because I got loads of calls in bad English for a few month's 
    • The incident was 03rd March 2024 - and that was the only letter that I have received from MET 15th April 2024 The charge I paid was at the Stansted Airport exit gate (No real relevance now - I thought this charge was for that!!).   Here is the content of email to them (Yes I know I said I was the driver !!!!) as said above -  I thought this charge was for that!! "Stansted Airport" Dear “To whom it may concern” My name is ??  PCN:  ?? Veh Reg: Date of Incident: 03rd March 2024 I have just received a parking charge final reminder letter, dated 10th April 2024 - for an overstay.  This is the first to my knowledge of any overstay. I am aware that I am out of the 28 days, I don’t mean to be rude, this feels like it is a scam My movements on this day in question are, I pulled into what looked like a service station on my way to pick my daughter and family up from Stansted airport. The reason for me pulling into this area was to use a toilet, so I found Starbucks, and when into there, after the above, I then purchased a coffee. After which I then continued with my journey to pick my daughter up. (however after I sent this email I remember that Starbucks was closed so I then I walked over to Macdonalds) There was no signs about parking or any tickets machines to explains about the parking rules. Once at Stansted, I entered and then paid on exit.  So Im not show where I overstayed my welcome.. With gratitude    
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    • Thank you dx. I consider myself well and truly told :) x Thank you dx. I consider myself well and truly told :) x
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MiniCredit/Kapama/Opos - paying instalments and getting no response


RFL
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Thanks for everything you do here – I hope you might be able to help with Opos and Kapama. Although I've read lots of threads about them, I'm struggling with some particular parts of my situation.

 

Brief background – in 2013, lots of foolish unaffordable payday loans to pay more payday loans, including a written off Wonga. Most now dealt with, with my credit file looking like it will be clear by 2020. A few monthly payments still going, including to Opos for a MiniCredit debt purchased by Kapama - notice of assignment issued in late January 2015.

 

The initial Minicredit loan was £450, with Kapama/Opos demanding over £1600. I've been making £20 monthly payments for 18 months, and so have nearly paid the original balance. There is no default listed for MiniCredit on my credit file. The loan is listed as an 'advance against income' with Kapama as the lender and an arrangement to pay – with over £1200 outstanding.

 

I've come to a point where I'm reviewing my financial situation in mind of - first, a reduced income coming up because I'll be retraining in a new career - second, I want to be in a position to get a mortgage when my file is clear. That in mind, the £20 a month is no longer affordable, but as a default hasn't been recorded on that loan, I'm really concerned Opos/Kapama would register one if I stopped the arrangement now, setting back my file several (important) years.

 

Having read through forums and taken a friend's advice, I sent them an email last week referring to the FCA ruling regarding MiniCredit's lending (link not here) but have not received a reply. The crux of that was that if the debt hadn't been transferred to Kapama by December 2014 it should be written off –*they say it was, but I have the notice of assignment – which was sent by email at the end of January 2015.

 

The main questions I have:

 

  • Can they register a default now?
  • Should/can I stop making payments? They're currently being taken from a debit card by Opos.
  • How should I proceed? Should I continue to complain on the grounds of that FCA ruling?
  • Do you have any contacts at Opos/Kapama better than the general enquires address?

 

I know there's a bit of duplication there - but as I've paid back so much of the original loan, the credit file listing and the potential relevance of MiniCredit's shutdown, I'm really not sure where I stand.

 

Thanks in advance – I really appreciate it.

Edited by RFL
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