Thanks for the quick response Guys. Appreciate it.

Thanks for the quick response Guys. Appreciate it.

HEY EVERYONE. Thought just update you all and ask a quick question. Has anybody had any doorstep collector visit from Mini-credit? I've now received the letter, with a time frame that the collector may visit! Got the letter delivered today, but apparently they may call between 26th of April and 3rd of May! The letter also stated the threat of Legal action too. I'm going to sit tight, possibly make them ANOTHER settlement offer next week. I've had no reply to email that I've sent. I'm not going to be bullied into paying any amount because of a threatening letter, I'm more than happy to settle for a lower, reasonable amount, but I'm also willing to go to court over this debt, because of the underhand tactics, and threatening actions of this company. Please respond at your leisure

Hi people. Thought you might be interested to know my situation with mini-credit. I originally took out £100 loan. My current outstanding balance is £607. I have made many many offers, who h they have declined. I was making headway on the telephone with a 'Manager' called Maria. They have postponed the doorstep collectors (which, after reading all this thread, I can safely assume, don't exist) until the 22nd, due to the fact that I would potentially be phoning them again on 21st, to make another offer to settle the account. However, I can't really afford to loose the money I would pay them. And after reading this thread I am suspicious, to the fact that they will then have my bank details, and because its an agreement over the phone, they may simply take that amoubt, and then continue to take money out of my account until the whole balance is paid off. Which at this moment in time, would cripple me financially. With regards to the original loan amount, I have offered them £245 when the loan stood at 550 and they refused. They wanted at least 270, which I couldn't afford at the time. I have dealt with many pay day loan companies in the past. At least the others retained some kind of professionalism! I am now inclined to sit tight like Delboy01 and wait for court summons, rather than give this lot a penny if my much needed cash right now! I don't trust a word they say after reading this entire thread. Peace and love