Thanks D will dox

Hi dx100uk Thank you so much for replying to my thread, I'm so glad I posted on here, the whole thing was getting to me and just wanted to get some reassurance, yep I'm going to stay off the phone from them, I think it's the worst bullying call that I have ever taken, they just shout down the phone and to be told that I was a fraud really got under my skin!!!! I told them on the phone that I would not take their calls anymore and I would put everything in writing to be told that I was in denial and didn't want to keep speaking to them, your damn right I don't with that attitude. Anyway rant over and thank you for your advice

Thank you so much, really appreciate you helping me with transferring my post, first time on the form and got confused. Thanks for saying about the fraud bit, It's been worrying me with their accusations.

Hello, I took a lovely Minicredit loan out back in June, I was struggling with debt at the time but thought if I could take this loan out I could get myself sorted, but this didn't help at all. A few days later I sought advice from Consumer Credit Counselling (now StepChange) and they sent me all information to get me on a debt management plan. Minicredit at the time would not accept payments from CCCS, the payments were put on hold to them as they were being very awkward. a few months later OPOS got involved and I had a very abusive call from them, they said because I took the loan out then a few days later I sought advice from a debt management that it was classed as fraud and would inform Minicredit to refuse all payments from CCCS and to take legal action. They would not let me speak and just kept throwing threats at me. I said that the plan did not start until July 2012, but they did not care and said because I went on a DMP less than 30 days into the loan it was classed as fraud. I'm just trying to get some advice and to see what is the best action to take, I know it was not the best thing I could of done but at the time I thought I could arrange a better way of paying my debts back. Thanks for reading my post