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  1. i have now found the information of minicredit loan The original loan amount was for £179.00, It is now £1189
  2. I have just been into my email address which i would of used for wonga back in 2011 I have found this email sent back last year seems i was affected by everything that went on here is the email below, Any thoughts i paid them a lot of money all the settled loans for wonga still showing on credit file and there is loads of them all mis-sold Dear Mr We are writing to you as a current or previous Wonga customer. If you believe you have received this email in error please call our customer care team free on 0800 840 0571 or if you are calling from a mobile on 03330 015 104. You don't need to make any more payments On the 10th of February 2015 we took back ownership of your loan agreement number XXXXX from Portfolio Recovery Associates (UK) Limited (PRA). Under our new affordability rules you would not have qualified for this loan. So we bought your loan back from PRA and have written it off. It's part of our commitment to make things right for our customers. This means you do not owe PRA or Wonga any money and you do not need to make any further payments. We recommend you contact your bank to cancel any payment instructions, such as Standing Orders. Any amount that you repaid to either PRA or Wonga from 10th February 2015 will be refunded. If you have received any communications chasing payments on this loan, you can ignore them or if you would prefer to speak with someone you can contact our customer care team. This will not impact your credit rating. All entries related to your affected loan have been removed from your credit record. If you are in a position of Bankruptcy, you have entered into an Individual Voluntary Arrangement (IVA) or your debt is being managed through a Debt Management Company, it is your responsibility to inform the person managing your debt that you no longer owe this money. If you would like to speak to our customer care team, please contact us free on 0800 840 0571 or if you are calling from a mobile on 03330 015 104, alternatively via email to [email protected] We’re here to help 24 hours a day, every day. Best wishes, Customer Care http://www.wonga.com
  3. Thanks renegadeimp Interesting read what a gentleman kept everything sent to him love it I have a call recorder on my android phone which is Free, Most amazing tool to have especially with he said she said battles or blatant denial of conversations, The premium version for 3 quid will upload all calls to dropbox or anywhere else u wanna store them, can set it to record all inbound and outbound calls you make, I urge everyone to have these sort of tools to catch vital evidence in case its needed down the line or to catch a company out lol I would love to go court so they can justify the charges and see it thrown out.
  4. Thanks DX Yes i am looking into other threads on this matter to see about where i start and how others have got on with irresponsible lending. In the final response it mentions about the default?? There is not one registered at all by either mini credit or Opos Limited on my file Very weird i can see no record of Three mobile account paid in full every month for last 2 years + on my credit file, Or my current account?? There are some positive factors on file You have 33 settled non-mail order credit accounts. The average age of your credit accounts is 21 months. You have not made any credit applications in the last 6 months.
  5. I have been checking my credit file and cannot see any default registered against me by either minicredit or Opos limited There are many going back to 2011-2012 by payday lenders where back then they were constantly throwing money at me affordability checks were non existent, Constant roll overs, I was robbing peter to pay paul constantly back then I think that i may challenge everyone on my credit file even wonga as they were made to deal with customers that were affected by their practices, There mis-selling was very ripe back when i took mine out??? Payday Uk, Wonga, Motormile Finance, Lending Stream These companies are showing Since these payday lenders my situation has improved never used then again and never spent above my means learnt a hard lesson
  6. Thanks for your reply DX This amount they are asking for is mostly made up of charges My major concern is that Section 10 of the data protection act is not fit for purpose if a company can come along under notice and re-instate details back on to their system multiple times, ICO are also concerned about the amount of incorrect data they are processing. Below This sounds very long winded!! I am just about to re-activate my creditexpert account see what's occurring on my credit file if you had numerous debts and PDL's why not go down the irresponsible lending route. Thanks
  7. My quid is safe lol They were open about being clueless and this being new to them,
  8. Good Afternoon CAG Firstly i would like to thank the people that helped me in my first two issues that are now resolved you know who you are much appreciated. I have another issue that involves opos limited in 2012 i was being contacted constantly bu this company they were even harassing my employers switchboard trying to contact me. in July 2012 I was asked to attend a HR meeting with my employer to discuss informally the nuisance calls that there switchboard was receiving from Opos Limited asking for me and being very aggressive with staff, I was asked for this to stop as company switchboard was not my personal secretaries and if it continued we would be coming back for a more formal discussion. Immediately i contacted the ICO who advised me to send them a section 10 notice for them to remove my details and i did state they should correspond with me in writing, I also sent an email as well stating the same thing Everything stopped for 3yrs 5mths, Then December 2015 i received an email at work from Opos followed by harassing calls to my mobile, I once again asked them to remove my details and they were in breach of the section 10 notice sent to them in July 2012, They once again removed by details and said they would only correspond via Letter as requested. You would think this was the end sadly not Roll on March 2016 once again start ringing me sending emails to my work wouldn't stop, I contacted Opos which i am very lucky to have a call recorded on my phone which records all out and inbound calls and has been very handy in the past, I wanted to make a complaint which i was told i couldn't and they wouldn't take one , Spoke to a manager who also refused to take the complaint same time also refusing to remove my details stating they sent me a letter to an old address saying that if i do not reply to them via letter they would re-instate my details and start contacting all over again, I sent an email to Opos expressing my dissatisfaction on what was happening they responded via letter to say they would investigate my complaint and would supply me with a final response, Many weeks had past and approaching the 8 week deadline, I called them to be told it was sent out on the 27th March and still in the post, I asked if they could sent a copy to my email. Next day they started harassing me once again two calls 8.00am & 8.01am Yesterday morning i answered second time the agent from Opos was so aggressive and rude i asked to make a complaint and be put through to her manager, I explained to her manager very clearly i wished to make a second complaint in relation to the agent i had just spoken to, They once again like the first time refused to take the complaint stating they had already sent a final response and i should take it up with financial ombudsman, I explained that this second complaint is nothing do do with the first complaint and is in relation to whats happened on the call today, Once again manager refused to take complaint and hung up on me, I email Opos complaints team after this, They responded saying the manager may have be confused by what i want to do and want me to send them the complaint again, I will be refusing i have made it very clear twice on that call in great detail of my complaint so should have to do it all over again they have already sacked somebody over this the first time as you will see from final response. Now there repeating the same thing all over again Here is Opos Limited's Final Response --- I have removed identifiable contact numbers and email addresses Further to your recent communications with our office, I am concerned to hear that you have been dissatisfied with the service that has been provided. At Opos Limited we always welcome customer comments as it helps us to review our processes and where necessary put things right for you. Please note that this debt was purchased in December 2014 by Kapama Limited and as a result is now being managed by Opos Limited. My understanding of your complaint is that: 1. You were contacted by email to an employee email address which you had previously requested was removed from our systems 2. You were unhappy that a complaint had not been logged on the first occassion that you expressed you were dissatisfied In reference to the contact information we held for you, the email address of @bri was supplied during the application process for this loan, along with a second email of @live.co.uk. On the 10th July 2012 we sent an email to both of these email addresses requesting that you contact us to resolve the above balance. At this point we were acting on behalf of Mini Credit and both of these emails were supplied as a contact method for yourself. Following this, we received an email from you requesting that the contact emails were removed and that we contact you only by post. At this point we did remove all other forms of contact, which included both email and telephone numbers. We did send information to you by post as requested on three separate occasions; 19th July 2012, 24th July 2012 and 9th September 2012. This account was then passed back to Mini Credit in 2012 as we were unable to contact you. In December 2014 this debt was purchased by Kapama Limited, and the account was then reopened with Opos Limited on 16th October 2015. We again attempted to contact you by post, however had no response. As a result of this we reinstated the contact telephone number of 07 and the email addresses we had on the system, as we had no other way to contact you to discuss your outstanding balance. We spoke with you on 7th December 2015 and again you stated only to contact you by post. Our agent advised you at this time that if we had no response via post then we would reinstate other contact methods, as we had an outstanding balance to resolve with you. Again, we had no response from you by post and no payments were made towards your outstanding balance. As advised, the contact information we held for you was reinstated as we had an outstanding balance to discuss and had been unsuccessful using the contact method you had stated you would respond to. In terms of the annual account statement, this is a document we send out in line with the regulatory oblilgations set out by the Financial Conduct Authority. These were all set out by email and it was appropriate to send this to you as we had no contact from you to resolve this balance. I understand that you called in on 15th March 2016 as you were unhappy you had recieved this. Our agent did advise why this was the case and explained why the contact information had been reinstated, but at that point you advised her that you wanted to make a formal complaint. Although you did end the call, this complaint should still have been logged and I can only apologise that this was not done at that time. This was down to the human error of the particular agent who dealt with you. It is unfortunate that in this instance we have not achieved the high standards we set ourselves and can confirm that the right level of feedback has been given to the individual concerned. In addition, further steps have been taken to ensure that this cannot happen again and the individual concerned is no longer employed by Opos Limited. Feedback has also been given to the collections team using your case as an example of how human error can negatively impact our customers’ journey. For the record i did not hang up i was transferred to a manager who also started stating i could not raise a complaint backing up here colleague, So looks like they sacked the agent and not the manager even though both equally responsible, Here are some other points they make not relating to my complaint do not know why they included it since i have never acknowledged this debt and never will, The credit agreement sets out the borrower: your name and correct address, the duration of the credit facility, the amount of interest charged per day and the APR, the charges applied should you not pay back the amount in time, as well as all terms and conditions associated with this information. According to the information provided by Mini Credit at the point of sale, the default date of this accountis 5th July 2012. Unfortunately, a copy of the default notice issued to you was not included in the documentation provided but it should be noted that whilst it is good practice and should ideally be done, lenders are not required to issue default notices before recording defaults on a credit file. Because of this, I have to tell you that I am only able to partially uphold your complaint. I appreciate that this is likely to come as a disappointment to you but I hope that my explanation has been helpful in setting out clearly why I have taken this view. That said however, in an effort to put things right for you and by way of apology for any inconvenience caused, I propose to remove the debt collection fee from your outstanding balance, which will reduce Opos Limited Registered Office: 2nd Floor, 15 Meadowbank Street, Dumbarton, Dunbartonshire, G82 1JR Registered in Scotland: SC338837 Telephone: 0141 428 3990 Email: [email protected] Secure Website: www.oposlimited.com Authorised and Regulated by the Financial Conduct Authority: IP616281 Calls may be recorded for training and quality purposes your balance by £100 and leave an outstanding balance of £1,089.00. Upon repayment of this balance, this will also be reflected on your credit file. If you wish to accept my proposal as final resolution of your complaint, please complete the section on the bottom of both copies of this letter, retain a one copy for yourself and return the other to me within 30 days of the date of this letter. If you fail to respond to this offer within the given timeline my offer of resolution will not be binding and the full outstanding balance will be due. To date i am in the middle of taking my complaint to ICO as a Section 10 has no time limit and feel my data is not been processed correctly. I need somebody help me put a case together to send to the financial ombudsman, Also is what they say correct lenders are not required to issue default notices before recording defaults on a credit file Thank you for taking the time to stop by and thank you in advance for any advice you can give me as the harassment is non stop, Regards PCR
  9. I will do mate I am sure they are just as glad to end this as i am and cant see them going back on whats been agreed. Thank you for your advice in this matter, I have another matter which i am about to make a post about DCA and Section 10
  10. They seemed very genuine wanting to get this sorted with me, We discussed things at length as well about the agent not turning up, Letters being thrown in my wifes face, If they backtrack on what's been agreed since they were the ones who made the proposal ill just get the recorded call transcripted, They said due to everything that had gone on and as a goodwill gesture they were willing to settle the whole thing for 100.00 we firstly agreed 10 payments of 10.00 to come off my debit card as a continuous payment, I said how about i pay in full now with a debit card this was accepted and the 100.00 was paid and shows debited from my account, It was never about not paying it the principle of the matter is they stopped coming to get their money and tried to say its up to me rather than attempt to put things right which led to them just starting these proceedings against myself and wife, I have one final issue that needs taken care of now. Thanks once again for all your help
  11. Update Its over i contacted blackwood finance who were clueless about the court proceedings didnt even know what they needed to do next seems this is all new to them, I mentioned about the POC being to short no real info, They thanked me i again explained i would fight to the end should they continue with the claim, They offered to settle for 100.00, I accepted as i was thinking about the same amount earlier, Paid them via debit card over the phone whole agreement conversation caught on recorded call, I am concerned as they do not seem to know how to now stop this claim Is there anything i can do my end to bring the claim to an end as the claimant is clueless Thank you once again for all your help
  12. Hi Andy Thank you for your reply. When the paperwork arrived it was just in my name with both myself and partner named on it. When i called the moneyclaim helpline they advised that two was sent out one for myself and one for my wife, They explained i had already AOS mine but not wife, I explained only received one letter they advised i do this below via email If you are returning your claim response or any claim response forms by email then you MUST state the phrase ‘CLAIM RESPONSE’, together with your claim number, in the subject line of your email. Thank you for your enquiry, If you wish to file an Acknowledgment by email, this must be in the same format as the official form sent in your claim pack. You can either complete the attached form then scan and email it back to this email address or email your request as a word document showing the following information: In the subject heading of your email you must type the words Acknowledgment of service and your Claim number. In the body of the email please confirm your name and address then state which of the following options you are requesting. 1. I intend to defend all of this claim 2. I intend to defend part of this claim 3. I intend to contest jurisdiction Please also type your name (this is classed as an electronic signature) and date the document at the bottom of the page. All the above has been taken care of now and sent back to them in the format they requested. Thinking about it being joint do both myself and wife have to issue them CCA / CPR or can this just be done with both names added. On my claim it has my name address with words defendant underneath next to this is another box with my wifes name address on it also stating defendant underneath? Can anybody conform if they are claiming 175.00 from both of us?? As the balance was only 150.00 joint. I hope this clarifies everything. Regards
  13. Thank you once again DX Ill get the paperwork all sent off first thing tomorrow via recorded delivery or would it be quicker to hand deliver it throw it in there face like they did to my wife Think i may just stick to recorded delivery I only got till 18th to submit my defence what if they drag this out in sending the documents my defence relies on? I was thinking of sending them a letter accepting no liability with a cheque for £100 as full and final to settle this?
  14. I hear you have a crystal ball DX suppose this is not currently working? pmsl Sorry i assume they are a court it was moneyclaim info was submitted to via email. Does the CPR not cover the CCA as well? The CPR letter i used last time was for a catalogue, Had a look in templates there are a few to choose from which one would suite my situation?? Thanks
  15. Yes its already done for myself, There was an issue as it was in joint names and only one envelope arrived so had to ring court find out what i can do they sent it via email had to print it off fill it in and sign it and scan and re-email to them, Had till today to do this all taken care of now. The court say the issue date was 15th They class this as served on the 20th, Have now till the 18th May to submit a defence My next step will be to send letter requesting information of DN, and everything else that accompanies this, Anything else i should do at this stage?
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