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About Camie

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  1. OK thanks for the advice. I believe I'm correct in what I am saying and hopefully the FOS agrees. May need more assistance on their decision and my options which you can hopefully help me with. Will wait for the adjudicator to come back to me and let you know their response.
  2. Hi silverfox, The first complaint has been closed as it was in regards to Opos collection practices. The second complaint is the one where these latest developments have taken place with regards to irresponsible lending. The adjudicator hasn't seen the final response or the emails yet that I know of for the second complaint. I'm wondering now whether I should put in a third complaint with regards to my credit file even though this has been brought up in their latest final response?
  3. Ok I will send the adjudicator an email and ask for it to be escalated. Will let you know of any responses I receive from the ICO, FOS and FCA when they contact me. Thanks
  4. I don't think I have an actual Ombudsman's email address, otherwise I would just send all of the emails & correspondence in PDF directly to them. I think emailing the adjudicator and asking him to just forward it to an Ombudsman without an initial decision is probably the best route to get this higher up? Everything they would need including the latest response/emails I have sent to the adjudicator so this should be in my case file.. I will also report them to the FCA. I'm grateful that you have confirmed that what they are doing is unlawful, thank you for your advice. Would it be lik
  5. Hi Renegadeimp, As they only submitted their Final Response to me on Wednesday just gone, I was so angry that I only started to get the ball rolling again yesterday. After receiving the screenshot from Kapama, I forwarded it all to the adjudicator at FOS as well as my case officer at the ICO yesterday. The Adjudicator I'm in contact with dealt with my initial complaint with Kapama, and he is also dealing with my complaints against other Payday Lenders. I'm not sure if I'm able to bypass the adjudicator and ask for this particular complaint to go straight to an Ombudsman?
  6. Hi All, I'd also like for everyone to look at the FCA document issued to Minicredit/Microcredit. I can't post the link unfortunately.. In particular look at Sections 6, A & B. Surely if the account has been added from May 2015 on my credit file on Noddle, this completely goes against what the FCA has said in that document in regards to transferring my account? In Section B it states that Minicredit have to notify Callcredit within 3 days that the debt has been written off and the account is settled. Yet on my Callcredit report there is no mention of them anywhere in the firs
  7. Hi Renegadeimp, I am trying as hard as possible to get this resolved. I am getting really frustrated with this company as they say one thing one minute and something else the next. These are the questions I asked them after receiving their latest final response: Why was the default date on my credit file the same date I made a payment to Kapama Limited? (14/10/2014) Why did you give an adjudicator at the Financial Ombudsman service a date of 01st November 2012 as the default date when questioned on this? Why have you now changed my credit file to a default date of 17th December
  8. Hi Silver fox, The trouble is, Kapama haven't agreed to remove the default or refund interest and charges. They only offered around a £50 refund as a gesture of goodwill as they know that I was using other payday lenders around that time. They haven't accepted liability for irresponsible lending in their Final Response even though they previously offered the removal of the default without looking into the complaint. They're not willing to offer anything else..
  9. Hi All, New to the CAG and really need some experienced help with my ongoing battle with this company. I first submitted a Formal Complaint against Opos Limited in January 2016. This went to the Financial Ombudsman after I disagreed with their final response. The adjudicator advised that where Opos Limited is the debt collector and Kapama is the debt owner, he didn't think Opos Limited's collection practices were wrong, but he did advise me to send in a second complaint to Kapama about irresponsible lending. The original loan was for £100.00, and with charges etc. it ended up
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