Hi greyplonk, I too am in a similar case with Minicredit, original £400 loan, yet under circumstances was unable to pay, I eventually went with TMG (The Money Group) with a DMP, and they have told me Minicredit do not play ball at all . They refuse to work with DMP's. TMG have said they are continuing to make monthly payments to Minicredit, so that if it goes to court, The Judge can see I am paying them back. Apparently Minicredit will pass debts onto Fredericks after some time, however Fredericks are eaier to deal with and will work with Debt Management Companies to set up plans etc. Hopefully your sorted now, but for peace of mind, I can hardly see a court going in favour of a company who refuses to help or listen and yet bullies people into paying up.

Hi - If it helps, I am in default with Wonga, I managed to get this email address, I emailed stating my situation, and together we set up a repayment plan of £112 a month for 8 months. Hope it helps. Also I'm having difficulty with Speed Credit, trading as part of Toothfairy Finance, been threatened with similar Baliffs and Northern Debt etc etc, until you have been to court and had an order against you, noone is legally allowed to come door knocking and taking your possesions, its empty threats. Possibility of taking you to court? Not sure I'm afraid, just keep all correspondence. tarik. abdellah @ wonga . com