I had this same problem with mini credit/opos. Took out a loan of £200, and when it came around to paying it off I couldn't afford it. I dug my head in the sand and refused to respond to any of their letters, and after a while my debt got transferred to opos, and was now standing at just over £1200!! After a while of trying payments plans, I thought best to just ring Opos and see if I could agree to a settlement figure and clear the balance. Low and behold, they agreed! I paid £300.00 to clear my account in full, bonus! Although everyone always says to contact by letter, sometimes just giving them a call is worth it!

I've replied on the old thread, the address is: Payment house PO box 66675 London E11 9EG I would scan the letter in but currently on using my phone rather than the computer

They are collecting a debt from capital finance one (payday company).. I originally tried setting up a payment plan with them but they said they couldn't and wait for it to go to the debt collection agency and I will be able to. I'm not one to dodge what I owe and if I had the money I would genuinely pay it but they just arent helpful at all! The only address on the letter is "payment house, PO Box 66675, London, E11 9EG"

I received a letter off these people today, except calling themselves 'Mitigate Trace and Collect'.. From reading the letter I got a little worried with the threatening of taking me to court so I called them - baring in mind they claimed to have tried many a time to contact me, yet I'd never heard off them before!! phoned them on 0131 213 1101 and asked to set up a payment plan, the lady I spoke to on the phone was lovely until I said I couldn't make a first payment until the 28th.. They cannot hold my account and it will now be passed to the doorstep collection agency, I asked if they could actually come to the door and collect as I believed you had to have a CCJ against you for that to happen, to which she replied 'you will just have to sort that with them won't you'... Clearly not a professional company at all - not worth speaking to just report them!!