Hi Ian , you havent posted in a little while and I was wondering if anything had changed in your situtaion? regards Tim

To Be Fair I complained to them all and they all said they could not deal with personal cases, so I wouldnt expect help from them. Sillygirl what would you do in my case? Ive paid over the original debt plus months interest and debts still 755 but i have agreed 30 a month with debt collectors and they have frozen charges etc.. Is it worth just sticking with what I got?

Dont worry about it. Your debt is not worth their time taking you court, plus they do not like the courts seeing the charges and interest they make people try to pay. Do not pay them anything or even contact them and in a month or two they will pass the debt to fredrickson's debt agengy (who by the way are very reasonable) and they will let you settle for a reduced fee or pay in affordable monthly installments whilst freezing the interest and charges. Trust me I speak from very recent experience, best of luck! Tim

hi, i have been in the same boat as you since december with minicredit, 100pound debt now like 800pound, they threatened court action about 2 months ago but i have not heard a peep from them since. I even stopped making token payments as these were not even close to clearing their daily charges. Now I have no idea what my debt currently is as it says my accounts blocked. In my opinion dont be afraid of any of their threats as they never carry through with them (ie debt collectors) and i have recently discovered that they run their bussiness out of a pizza shop in london, which makes them sound even more of a joke to me.Let me know how you get on Tim