17th December 2011 I was getting Married, I sent off for a £100 payday loan with mini credit.
They then charged me £19.50 for sending me the loan. There was nothing on the site on them doing this.
I was sent the following email
Your loan application is approved, the loan will be transferred to your account immediately. The due date is 28. December 2011
And was sent 17-12-2011 at 17:23
As soon as I had noticed what they had done with the money I blasted them the following email
Can you send me your cancelation details, under the distant selling regulations, as I did not expect you to take £19.50 from me, also I do not see on your website, you do that.
Also I have noticed there is a lack of information informing me of said charge, and also a lack of information informing me of my right to cancel within 14 days.
And that was sent 17-12-2011 at 19:32 just over two hours after applying, and sent to the email I was told to use, in the contract, I got a response asking me to do it via online chat.
But as I like to do things by the book, I kept to the email address stated in my contract
And blasted this one back to them
Many thanks for your email.
But your web form does not provide me with a paper trail . please provide the details I have requested.
That was sent 17-02-2011 at 19.44
And again I sent them the following email
I hereby wish to use my right to cancel under the distant selling regulations.
Due to being charged £19.50 for having the money transferred into my account on the same date, and which is not listed on your website.
I also note that I have 30 days in which to refund your money.
Due to your terms I will be charged £1 per day until the above is cancelled so you are hereby informed that I have cancelled my contract with you. Dated 17th December 2011 On the 30th day I will refund your £80.50 +£1.00 for today's interest.
And that was sent 17-12-2011 at 20:33
It was at this point I began to think I was dealing with cowboys
On the 29-12-2012
I was sent an email stating my first default, and they charged me £25.00 for the pleasure
That was sent 29-12-2012 at 01:30 to which point I fired one back explaining what was done, and also sent them a copy of the emails I had sent, On the 31-12-2012
I got my second default, which they charged me £55 for and at this point the loan was now £214.00
So in less than a fortnight the loan was just getting silly
The next day it had gone up to £225.00
I then sent out two letters recorded on the 01-02-2012 (Still have the stubs)
One letter informing them and showing them the emails I had sent that I had pulled out within 14 days due to said charge, and the second letter was a formal complaint.
On the 17-02-2012 The loan had gone upto £366.00 and I was sent this email
We would like to remind you that your MiniCredit overdue loan balance is £366.00.
If we are unable to recover full amount within next 10 days we'll send Your account to THE DOORSTEP COLLECTOR and You will incur extra costs.
We may also contact Your employer and start legal action against You. We also report the status of Your outstanding account to Credit reference agencies. All this process affects your credit score adversely and ability to receive credit in the future.
It was then I sent an email to the FOS and was fobbed off by an Adjudicator on the 22–022012
I then started to track the emails,
This is the mail system at host csmtp1.one.com.
Your message was successfully delivered to the destination(s) listed below. If the message was delivered to mailbox you will receive no further notifications. Otherwise you may still receive notifications of mail delivery errors from other systems.
The mail system
ds6254.dedicated.turbodns.co.uk[220.127.116.11]:25: 250 ok 1329999355 qp
On the 20-04-2012 at 02:21 I got this
Unfortunately Your payment failed and we were unable to take the payment because Your details did not match. Please update Your address details and try again. It may happen that You have changed Your address in the bank lately. Also please be aware that despite of the fact that this payment failed the transaction amount may have been RESERVED (booked) on Your account for up to 3 working days and will be RELEASED. There is no need to contact us. If you need any information please call to our support line0871 890 3015.
As they had tried to take £150.00, and that for some reason had put me -£150.00 on the account, I blasted the bank, who told me they could do nothing to stop them. A which I blew up, and it was returned, and the account closed.
I had heard nothing from them for ages, and had given up at this point trying to get in touch with them, so was hoping they would take it to court, as I had taken a week off work unpaid, waiting for a door step collector, which never came, and having minicredit bill me £100 for that.
It was only when I got a letter from a company called Hellix ltd, with my full name and address asking me to pay £900.00 for an account with money credit, this did jog my memory again.
I sent Hellix an email 13-03-2014 at 13.16 requesting details on account
I do not acknowledge ANY debt to your company.
I Have no records of ever owing Money Credit any money, and to this date have never heard of them. And a look on company’s house shows said company does not operate.
I require you to supply the following documentation before I will correspond further on this matter.
1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within.
s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit) - your obligation also extends to providing a statement of account.
2. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists.
3. You are notified that you are obliged to supply these documents, whether you are the original creditor or not under S189 of the CCA 1974.
Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities.
As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued.
Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested.
To which I got the following response
20-03-2014 at 19:18
Dear Mrs. Deleted Name
Further to your below email regarding your debt with Mini Credit, I am surprised as a company director that you were unaware of the statutory fee when requesting documents under Sec 77 (1) of the CCA, unless you have just cut and paste the response to us from a forum.
Your Mini Credit account can still be accessed via the original loan application email address of #email address included# the company email that you are a director
They may asked for the mobile number that was given at the time of the loan which was text the authorisation code, are investigation shows this number to be registered to her sons name included.
At fools web address you can print off all your charges, a copy of your agreement the terms and conditions and the last payment amount you last made on 29/11/2011, as well as your bank details that the loan was credited to on the 30/08/2011.
Please contact me if you have any further quires and I look forward to receiving your payment in clearance of your debt.
6 St Margarets Business Park
None of the above email is anything to do with me, and I do not know and have never heard of the person in that email
As soon as I got the email I fired one back, as I did not like the smugness in his email tone
Good afternoon Mike
I would be more surprised that your sending out demands for money from a company called money credit. Which are not trading according to HMRC and Company’s House
And sending out letters to people not listed on said account.
So try not to be so smug next time. And we are fully aware of the £1.00 fee, but as its cheaper for you to send them out for free, than for you to pay to have her account go to court which she gets then anyway.
And try to remember DPA. As I am not Mrs #ladys name delete by me#, but your happy to divulge email address and also when she last paid her account.
I’m also sure she can print of said details, but as your chasing her for a debt, it’s your responsibility to provide said documents. Under section s.77
And you can look forward to payment all day long, as this is a miss trace, and I do hope it’s a very long time coming.
As the email address should show #ladys name delete by me#,, never have been and never will be.
I think that’s every thing so far. There was a text message sent but as I could never get hold of anyone, I don’t think that would really matter
So thats my saga so far, I would have not minded paying them back the £80 odd, but now im begining to think they should be paying me for my week off unpaid, and all the hassel and time this has taken