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stitchly

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stitchly last won the day on January 12 2014

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About stitchly

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  1. Helping out a friend whos trying to deal with WDA. Is their banking details still sort code 20/45/14 acc no 90931772?
  2. Slightly off topic but have a look at the FAQ's. Online banking details!!!! Surely they are taking the pee! AVIOD THEM LIKE THE PLAGUE! http://www.unclebuck.tv/payday-loan-faqs.htm
  3. Did you see Dave:Loan Ranger on channel 4 this week? He visits the above address!!! Guess what.....NOTHING!!! Check it out on 4 on demand! He also vists Wonga's,Quickquids and Minicredits so called Headquarters!
  4. Yeah im all clear now! Minicredit use a debt collection company called OPOS based in Glasgow but according to this site they are the same company. They allow you to pay by any method you wish. Mincredit claim they dont have the means to allow repayments so they transfer you to OPOS. Again the FOS said this was strange and just trying to confuse/intimidate the debtor. Email Mincredit your situation and a proposal of repayment asap, they will refuse! Then you can write a formal complaint then after you get there final response or 8 weeks has passed get a complaint to the FOS....its up to mincredit to sort it out before the FOS does! Thats what I done and the FOS(who take for ages to sort it out!) got mincredit to reduce my debt from £2000 down to the original amount of £400 less £100 compensation for all my hassles! Paid it off in installments through OPOS.......thank god im free from them they are a nightmare!
  5. I had to fight Minicredit through FOS and the one thing that really pushed the balance in my favour was the fact I contacted Minicredit as soon as knew I was in difficulty. So email them with your proposals of repayment asap as they have to show compassion towards debtors in financial difficulties!!!! lol They wont and that is the one of the main things the FOS didnt like! Be prepared for a rough ride but use all the info on this forum and you can and will beat this company.
  6. http://help.wonga.com/articles/What_Is_external/What-are-my-available-repayment-methods-UK/?l=en_US&c=Topics%3AManaging_repayments%2CMarkets%3AUK%2CProducts%3AWonga&fs=Search&pn=1
  7. Hi there!!! I took on these clowns via Fos and won and infact 84% of all complaints made to fos were upheld in the consumers favour. As for income/expenditure....YES but a very basic one and DO NOT send them any payslips or bank statements,they certainly arent entitled to see any of that. If the income/expenditure is not to there satisfaction ask them for there FINAL RESPONSE then get a complaint into the Fos.
  8. Well in my complaint the FOS quoted various Oft guidelines that Minicredit had not adhered to!
  9. The bit about fos is just rubbish! They use the OFT's guidlines to come to a decision NOT the terms and conditions of the loan.
  10. I have email conformation from Mr Lapides that the loan is now settled in full. He also added that I wouldnt be able to use there services in the future!
  11. Everything is in order,infact after logging into my account it states'loan paid in full'. Also just recieved a text message asking if I wish another loan!!!! Unbelievable!!! Another email to Mr.Lapides to get that stopped!
  12. Well well well! After an email from Micheal Lapides and another from me to him.....he has agreed to close my account! Finally my dealings with these scumbags are over! Do not give in to these people,stick to your guns and use this site for help and support in dealing with them. Only two more to go and im clear of payday loans FOREVER!!!
  13. They have appealed,simple as that.Until the appeal is heard they can trade as usual. The hearing starts in early March if I recall correctly,so hopefully it won't be too long before they are gone for good!
  14. Found this.http://whocallsme.com/Phone-Number.aspx/01224931013 Take note of the comment from a certain Gary Chappel???? I know it probably isn't THE Gary Chappel....or is it?!!!
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