First time poster,so please go easy
I'll get straight to the point. In jan took out a loan with minicredit for 300-400 odd (not entirely sure on the amount - more on that later). To cut a long story short I lost my job and have been unable to pay. Received their "doorstep collector" letter 4 weeks ago asking for 800quid otherwise the doorstepper would recover the debt "however they see fit" . As the wording on their letter is deliberately ambiguous and potentially misleading , plus their "debt collection" charges seem laughable,I rattled off a letter querying the amount they were asking for (making my debt justifiably queried or disputed, as per the OFT 'guidelines').
The reply I received an embarrassing use of the English language, god knows who wrote it. Poor grammar, poor structure and incorrect use of capitalisation, but that's by the by. Essentially they have classed my request for a breakdown of my account and charges as a "complaint" and said they won't provide a copy. Apparently, I need to email [email protected]
to get hold of that (surely they are obligated to act on my previous require by letter?).
In my letter, I mentioned I wasn't looking to dispute the existence of such account, just the amount, and until such time as I receive a copy of the breakdown and charges I won't be entering into any further correspondence. I also mentioned that I am willing to pay, just not the figure they are quoting. I obviously also informed them I was withdrawing their implied right of access to my property, had no wish to make any appointment to meeting them or their third party agents and any attempt to visit my property would be classed as trespass and harassment with a civil claim being filed against their company in court.
Needless to say the doorstepper didn't show up, however their letter states they don't pass accounts to 3rd party DCA's and will take me to court after 90 days have elapsed. Since then (in the last two weeks) I've had two more letters (from Minicredit) with £100 debt collection charge added onto the "account" for each "letter".
How then, this is clearly a bit of a joke. I'm willing to pay what I can afford. I have no problem paying the original amount plus some interest but £300 of "collection" charges for posting a couple of letters is taking the pi$$ just a bit.
What's everyone's thoughts on how to proceed with these people? I'd heard something about payday lenders now not being able to add charges after 60 days. Admittedly I was driving at the time so not paying 100% attention - if anybody could elaborate on this point and provide any further advice it would be greatly appreciated.
Before any smart alec comments, I'm fully aware this post is is a little long winded - so thanks for reading!!