Hi guys, you might want to read this you may find it very interesting and helpful. Mini credit are C**** - I will explain in a moment. I have had every type of credit going! I am 21 and in £8,000 worth of debt. I have acquired this debt in 12 months. I am not proud of this and recently have been very upset and worried, however I turned to the CCCS who are a charity which help people who are in debt who want to help themselves. I am now on a DMP paying back £162 a month to ALL of my creditors. I shall be debt free in just over 4 years. The creditors have frozen interest and stoped calling as they are now getting regular monthly payments from a trusted source. My creditors include Shop direct (very, additions, little woods etc) JD Williams Studio 24 Santander Lloyds TSB Natwest And the dreaded payday loans (used pretty much all of them) Cash genie 247 Money box Mini credit 1 month loan Capital finance one Payday express Tooth fairy finance Txt loan Mini credit are the WORST creditor (if you can even call them that) EVER! I had a £100 loan in April. I only received £80.00 It is now the 11th July and the balance stands at £627.00 I have emailed them hundreds of times to get no response, I have spoke to them on the phone and offered them full & final settlement of the original loan plus 1 months interest and the least they would accept was £350 – I told them to whistle!!! They threaten you with debt collector and to contact your employer. However I would like to inform you that they don’t send these debt collectors and they don’t contact your employer – these are scare tactics to get you to pay up. It is actually ILLEGAL for a bailiff to enter your property unless a CCJ has been filed against you and you have missed a payment through the court. It is also illegal for them to discuss your dealings with them as they would of not passed data protection. A CCJ is where the judge looks at your income/outcome and 9/10 will award with the payments you offered in the first place anyway as you cannot give the money you don’t have! So keep to your guns keep emailing mini credit (so you have proof you tried to make offers) The CCCS made them a monthly offer and I haven’t heard anything back from Mini credit yet so I am unsure if they have agreed to my plan but they are still accepting the money. Also DO NOT PAY on their website £5.50 processing fee? JOG ON SUNSHINE… that should be £5.50 off your loan total but its just another crafty way of getting money. Also report to the finical ombudsman I have and am awaiting a response. Finally MINI CREDIT IF YOU ARE READING THIS- How F****** actually are you? No wonder you are finding it so difficult to get money out of people who have got themselves into a position where they are unable to pay it back… you don’t accept payment plans!! Would it not make more sense to accept a plan with someone over 6 months and get the money back then have the hassle of going through the courts to get it back then having to wait about 2 years???? Mmmmmmmmmmmmmmmmmmmmmm Good luck guys!!