MiniCredit are called Microcredit and are not part of the MicroLend payday company

If you are having amy trouble with Motormile then go to the top, heres the email address of the Manging Director

Motor Mile Finance

Mr Neil Petty Managing Director

Email [email protected]

Mobile 07970 740360

Website http://www.mmile.com

Address 83 Bradford Road, Leeds, LS28 6AT, UKM

Company Number 06637307C

Tell Ist Stop they are in breach of the following OFT guidelines

OVERARCHING PRINCIPLES OF FAIR BUSINESS PRACTICE

2.1 In the OFT's view, there are a number of overarching principles of

consumer protection and fair business practice which apply to all

debt recovery activities.

2.2 In general terms, businesses17

• treat debtors fairly – debtors should not be subjected to

aggressive practices, inappropriate coercion, or conduct which

is deceitful, oppressive, unfair or improper, whether unlawful or

not

should:

• be transparent in their dealings with debtors and others –

information provided should be clear and should not be

confusing or misleading

• exercise forbearance and consideration, in particular towards

debtors experiencing difficulty – we would expect businesses to

work with debtors with a view to providing them with

reasonable time and opportunity to repay debts and, where

appropriate, to signpost them to sources of free independent

debt advice

• act proportionately when seeking to recov

send 1st a copy of OFT guidelines on debt recovery which they appear not to be following, also read it yourself as it will help you deal with these brain dead morons

http://www.oft.gov.uk/shared_oft/consultations/OFT664Rev_Debt_collection_g1.pdf

Debt collection complaints

If you are an adviser or third party organisation and you would like to complain to the OFT about the debt collection practices of creditors and/or their debt collection units, as well as external debt collection agencies, please download and complete the complaint form (Word 123 kb) and return it to the OFT at the following address:

Enquiries Centre

Office of Fair Trading

FREEPOST

London

EC4B 4AH

Email: [email protected]

The OFT complaints evidence checklist (pdf 90 kb) may be helpful when dealing with complaints against traders collecting consumer credit debts. It can be used alongside the OFT's debt collection guidance and the complaint form.

Email Ist Stop with the following

Dear Sir

Thank you for your email

As you have failed to accept my payment arrangement I will now await the County Court Summons after which I will enter a defence so that a full hearing can then be held at County Court, I will submit all email correspondence regards this matter to prove I have done my utmost to prevent wasting the courts time and will ask the Judge to take into account my serious Financial Difficulties which you have failed to do. I will look forward to the Court making a judgement on how much I will need to pay each month to reduce the balance. I understand that when it goes to court , the court terminate any further interest charges,

My offer remains on the table both now and at any court hearing

Can you also send me your final response so I may take my complaint regards your organisation to the Financial Ombudsman whereby you will have to pay a non refundable fee of £550 for the case to be heard.

At no time in my communications with you have you advised me of my right to go to the FOS for this matter to be settled and I will also advise the court of this

Yours faithfully

okay good luck and remember the OFT will not ignore the form, they cant help you personally regards the debt but they can take action against the lender including fining them or even revoking their licence to trade, The OFT also dont deal with the underlings at the company but the top people who own it

Alot of people on here have won battles against Payday lenders it just a case of sticking to your guns

http://www.oft.gov.uk/shared_oft/Credit/Consumer_Complaint_Form.pdf

Complete the above form and you can send this to the OFT anytime you like and advise the lender you have sent it to the OFT and attach the link but not the complete form in your email to the lender.

Just state the facts and remember they are trying to make as much money out of you as they can

Start to charge them for your time and see how they like it

once i get to ten posts i it will allow me to post the OFT Irresponsible lending complaint form which you need to fill in and email to the OFT regards each payday lender you are having trouble with. Whilst the OFT cant assist you personally they will register all complaints and get in touch with you if need be regards further information to take action against the lender, the more people who complete these forms the more evidence the OFT have to revoke a licence

Some payday Lenders have been found by the OFT to be employing staff in their collections department on a comission basis, so the more they collect the more pay they get, needless to say they are breaking OFT regulations by doing this

Tell them you are making a formal complaint over the fact they are refusing your offer and remind them under th 1974 Consumer Credit Act they can not refuse any payment you try to make to pay the debt off

Advise them if they fail to accept your payment you will take them to the FOS and the lender will have to pay a non refundable fee of £550, it will cost you nothing

When you applied for the payday loan, did the lender ask for evidence to check any of the following

your income e.g. payslips, P60

your monthly expenditure (how much you spend on bills e.g. bank statements)

your employment status

specifically whether you had any other credit commitments (e.g. other payday loans

All creditors including payday lenders should adhere to the OFT’s Irresponsible Lending Guidance and the Consumer Credit Act 1974 (the Act).

This complaint form is designed to help you tell us about your recent experience with a payday lending business.

What is a payday loan?

We consider a 'payday loan' to be a short-term, high interest, unsecured loan, expected to be repaid by the time borrowers receive their next regular income payment. This will normally be on or around 30 days of having been granted the loan.

References in this form to ‘rollovers’ relate to cases in which payday lenders may allow loans to be rolled over beyond the original repayment date provided the borrower pays another month's fees and charges. References to ‘refinancing’ relate to loans where additional credit is advanced or the terms and conditions are changed

With regards to any Payday Lender advise them you are making a formal complaint and they have to look into this within 8 weeks, if they send you a final response then you can take it to the FOS whereby the Payday lender will have to pay £550. Make the Payday Lender you know it will cost them this amount. Also completethe complaints link which you can find on the OFT website

Advise the Payday Lender of this link and that you are going to make email a complaint using this form to the OFT.You can make this complaint regards irresponsible lending by the payday lender at any time you wish

Remember Payday Lenders work on fear and ignorance of the borrower and try to lie and bully you

Minicredit tried that with me, i stood firm and stated i would only pay back the loan of £600 plus £150 interest and £50 charges, they kept refusing the account went to OPOS and I made it cleat that was all I would pay and it was agreed . A year after taking the loan out with Minicredit I paid them back £800 which i said i would and not the £1800 they were asking for.

Payday Lenders are about to get a very rude awakening which is long overdue

pay the loan plus one months interest only

good idea

because it may well be of help to someone else reading it

email the OPOS MD s[email protected]

or the office Manager

t[email protected]

go to the top don't deal with the braindead muppets underneath as they are not very bright