Hello, Just wondered if you has any luck with this as I am in a very similar situation? I took out a £100 loan back in 2012 in stupidity as well as desperation, buried my head in the sand and did nothing about repayments- could not afford to. I thought I had paid all of my debts off, but after checking my credit score, Kapama popped up and now saying I owe then £860! I spoke to someone on the phone who was quite rude and I asked him for a settlement figure. He asked what I could afford I said £200 and he said they couldn't go that low and the lowest would be £650! I told them to leave it and he said until what? I don't really know the answer to that myself but In my head I cannot justify that amount and I am sure they can't either. Especially as the loan was taken out with mini credit and they obviously haven't traded legally and have been shut down? sold their portfolio to Opos who have then Sold to their sister company Kapama... Surely something is not right here! I am more than happy to pay what I owe but that amount just seems extortionate! Any help would be greatly appreciated!