Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
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    tom100 Novitiate



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    Default Old minicredit debt now with opos/kapama

    I defaulted on an old minicredit loan in 2012 and the default is due to drop off in 2 months

    it's now with opos/kapama

    I have not paid anything or contacted them in nearly 3 years.

    ive found a few emails in my inbox about the debt, most recently a few weeks ago telling me it is now in the pre-legal stage

    they sent me a statement

    loan amount: 100
    interest chsarges: 121
    debt collectionicon charges: 100
    default charge 1: 25
    default charge 2: 50
    attempt charges: 685

    i've paid 20 towards the debt according to the statement through token payments (sounds about right) but the amount owing is still over 1000 for a 100 loan

    i'm guessing as the default is dropping off soon this is the moment where they will try anything including a ccj to recoup some monies? especially if they dont hear anything from me. currently trying to sort all my debt problems out so....

    what would you reccomend as my next course of action with this?

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  2. #2
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



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    Default Re: Old minicredit debt now with opos/kapama

    Quote Originally Posted by tom100 View Post
    I defaulted on an old minicredit loan in 2012 and the default is due to drop off in 2 months

    it's now with opos/kapama

    I have not paid anything or contacted them in nearly 3 years.

    ive found a few emails in my inbox about the debt, most recently a few weeks ago telling me it is now in the pre-legal stage

    they sent me a statement

    loan amount: 100
    interest chsarges: 121
    debt collectionicon charges: 100 [unlawful][
    default charge 1: 25 [unlawful][
    default charge 2: 50 [unlawful][
    attempt charges: 685 ????[unlawful][

    i've paid 20 towards the debt according to the statement through token payments (sounds about right) but the amount owing is still over 1000 for a 100 loan

    i'm guessing as the default is dropping off soon this is the moment where they will try anything including a ccj to recoup some monies?
    especially if they dont hear anything from me.
    currently trying to sort all my debt problems out so....

    what would you reccomend as my next course of action with this?

    have you move since taking this out
    email can be ignored and bounced back as unread and their Email AD blocked

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  3. #3
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    tom100 Novitiate



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    Default Re: Old minicredit debt now with opos/kapama

    no i havent moved.
    its an old email address so the emails arent particularly bothering me just dont want a ccj raised.

    but also dont feel its fair paying back what they say i 'owe'


  4. #4
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



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    Default Re: Old minicredit debt now with opos/kapama

    Not the point its an OLD email
    Its the point you are taking direct action they will see
    They must abide by the new PAP rules before they can issue a court claim

    PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS
    Click Here To Make A Donation
    If you want advice on your thread please PM me a link to your thread
    my views are my own...seek legal advice if necessary
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by phone alert the siteteam
    DX RIP Martin3030
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