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  1. Hello, I'm hoping somebody can help with the situation I have found myself in. Back in 2012 I took a loan off Minicredit for £100, this has since increased too over £1000 with all the charges they have added. It has been passed around between Minicredit, opos and Kapama. I have looked through forums for advice and have contacted opos, I have requested a deed of assignment and a copy of the original credit agreement which I can show people. I just really need help with what too do next I'm really not sure what I am doing if I'm honest. I just want the debt off my file I don't even mind paying them a smaller amount but they are so hard too deal with. Thanks in advance AJ
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