I am writing to Minicredit again after a letter saying somone will visit my house between 6th-13th November, no-one yet and they cant actually do anything apart from bully me. I am writing the letter advised but adding a few extra notes advising them to take my offer, even though it's low its the only way I can pay them. Every little helps anyway.

Just logged into their website and have added another £50 in charges in a week, now saying i owe them just under £800, within another week will probably be nearer £900 which will be nearly 3 times the original loan amount plus 1 month interest. Will definately be making appointment with the CAB to see what my options are, i only take home around £150 a week now. Hate this company, think I have well and truly learnt my lesson with Payday Loans now. Thanks for all advice and help, would have done anything to repay them before reading everyone elses stories, so glad Im not alone and not as worried or scared now knowing what rights i have etc. Thank you

I have the same problem too, I took out a loan of £250 and with interest was due to repay £325. Wouldnt let me extend and couldnt afford to pay the full amount but you can only contact them by calling their premium rate number as their contact page has never worked. They add on ridiculous interest, and after 30 days have added on an additional £100 and sending me doorstep collection letters. The balance is overdue by about 5 weeks but has risen to a total of over £730!!!! Surely they cannot do this, I have tried to arrange a suitable repayment method via standing order on a weekly basis, as I had lost my job and I'm on minimum wage barely getting £150 a week. No-one speaks any English and they refuse to let me pay them in bits, I have other bills, rent etc to pay. I wish I never went to them in the first place. I have no choice but to wait for the door bell to be rang as I am not calling their number again after one time my bill was over £10 in a month just calling their number and waiting.