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About pcrdaddy

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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.
  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
  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
  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, Motorm
  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
  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 com
  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
  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
  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 f
  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 shoul
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