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Found 14 results

  1. Hi guys, I've requested a copy of a CCA a while back (all recorded delivery). I sent the £1 postal order, and waited the 12+2 working days for a reply. I never received a reply (after it was tracked - delivered), so I then sent the reminder - 30 days to respond (recorded). That was also ignored and I had no reply, so then I sent the 'Account in Dispute - Section 10 Notice' letter, which ended "I reserve the right to report your actions to any such regulatory authorities as I see fit. You have 30 days from receiving this letter to contact me with your intentions to r
  2. I defaulted on an old minicredit loan in 2012 and the default is due to drop off in 2 months it's now with opos/kapama I have not paid anything or contacted them in nearly 3 years. ive found a few emails in my inbox about the debt, most recently a few weeks ago telling me it is now in the pre-legal stage they sent me a statement loan amount: £100 interest chsarges: £121 debt collection charges: £100 default charge 1: £25 default charge 2: £50 attempt charges: £685 i've paid £20 towards the debt according to the statement through token payments (sounds a
  3. Hi all Back in 2011 when I was in my late teens, struggling for cash and stupid I got a quick payday loan from mini credit for £200. From what I can remember the repayment date was set up a couple of days early, it bounced and they then began adding charges daily and with every payment attempt... I contacted them to try and pay the original amount, I think they wanted nearly double at this point so I panicked as I couldn't afford it and buried it. Years later, it is showing on my clearscore (equifax account) under Kapama Limited for £1033, under closed accounts last updated in 20
  4. I took out a loan with Minicredit for £100 (minus their £20 for a faster deposit, so only £80!) in May 2011. In July 2011 I offered to pay the original loan + one month's interest (£125) but never received a reply, but they did continue to add charges to the amount outstanding right up to them defaulting the account. The account defaulted with all their made up charges at over £800 by September 2011. Opos/Kapama have chased this debt since some time in 2012. They stopped harrassing me by email and voicemail messages (I never pick up) last June 2017. The debt fell off my credit f
  5. Good afternoon. I am back under anew guise. I posted last year about a Minicredit default a £200 that ended up a £1200+ one after non payment. I hate the companies & now the default stands at £522 with Kapama & shows 5 years of non payment on my noddle file but is not present on my Experian or ClearScore files. It's on there till march 2018. Do I let it slide, I've still been getting voicemails from Opos demanding to speak to me (I blocked their numbers so that's their best way of trying to get in touch with me) for all I care they can do 1.
  6. Thanks for everything you do here – I hope you might be able to help with Opos and Kapama. Although I've read lots of threads about them, I'm struggling with some particular parts of my situation. Brief background – in 2013, lots of foolish unaffordable payday loans to pay more payday loans, including a written off Wonga. Most now dealt with, with my credit file looking like it will be clear by 2020. A few monthly payments still going, including to Opos for a MiniCredit debt purchased by Kapama - notice of assignment issued in late January 2015. The initial Minicredit loan was £450,
  7. 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
  8. Good afternoon A few years ago to cut a long story short I developed a gambling issue and became silly with payday loans. In the midst of that I took out a minicredit loan for £200, it became £1,100 with opos. They were calling me and harassing me constantly. No chance I were paying them that bac ad I have no trace of the loan other than whats on my nodde report. There is a balance on there from Kapama ltd and I just want rid of it & start the credit history from scratch. Any advice on how I could tackle this people, any input would be greatly appreciated I just wan
  9. Hi Guys Well its not often I need advice haha and this one is a right mess to deal with. Basically as some know, I ended up suffering from Identity Fraud... And im still dealing with it today. So Minicredit wrote of a Balance of £1k and determined themselves it was fraud. However OPOS purchased the account and we started to go through this whole situation of dealing with a 3rd party for a company that doesnt exist. for the 3rd time in a year and a half, I got an email as per below; So I had already told them 3 times already that the account was closed fr
  10. Hi, I am hoping for some advice. I took apparently (I don't remember but I have used payday loan companies so its probably true) took out two loans with minicredit both for £100, one in Feb 2011 and one in April 2011. On my credit file there is entries for Kapama, one for £866 and one for £793. These were not on my credit file a year ago. I have contacted them by email to question what they are and they replied giving me the dates etc. I know I was not working at the time and they did not search my credit file (I have old copies that I checked). Where should
  11. Hi Everyone! First time poster here looking for some help dealing with Kapama in regards to a micro credit loan, from some general reading I see there is plenty familiarity with them here so I'll get straight to it. I took out a loan with mini credit in 2012 for £100 and they're now trying to play their old trick of adding many charges on so I apparently owe them £1056.00. I don't believe that these charges are enforceable and I point blank refuse to pay them but they're charming debt manager refuses to back down on the issue. I've offered them the original loan sum, one months interest a
  12. Hi all. A few years ago, I got myself into a mess with various payday loans and have spent the last couple of years paying them all off. Earlier this week I received an email from a company called "kapama credit" stating an account of mine had been passed onto them from Opos. The loan in question is from minicredit. A loan for £100 of which I only received £80. Due to being in the midst of my payday loan mess, this wasn't paid back.. As my head was firmly stuck in the sand, I did nothing. I was in touch with opos back in 2012 and at one point was offered the chance to pay a set
  13. Can somebody help please, I'll be honest I've not really got a clue where to start to deal with this so I may as well start with my situation. I'm now 23 years old ,Back in 2012 around Christmas time I stupidly took a minicredit payday loan the usual 100 pound loan of which I only received 80. In the following weeks I lost my job as I worked for a self employed builder who due too work had too move over 3 hours away so I couldn't keep the job. I panicked and as a result took a wonga loan out as well which I have since fully settled. I managed too agree too a payment plan with wonga but al
  14. I'm going to have their heads! Back a while ago minicredit decided to kill my loan off when I complained due to the fraud. They advised it was all said and done. Opos then got their hands on it and it was a battle to get them to follow suit and do as Minicredit said they were going to do.. Finished I thought.... NO! My Noddle credit file updated this morning and I have an entry against Kapama Ltd for the exact same loan! Even though OPOS promised in writing that it was over and done with!? (Kapama are Opos) Any ideas here? This is the third time I've
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