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Found 7 results

  1. Can anyone offer advice, there are two of us who have won cases through FOS against Microcredit T /as Minicredit, we won in our favour and Microcredit owe 1200, they ceased to trade, I have gone to CAB and they couldn't give advice, also been in contact with FCA and cant give advice and FOS have done all they can do. FOS decisions are enforceable in court. I have already spent 100 trying to get my money. I have sent a judgement obviously next step in Bailiffs, but is this maybe a waste of money as they may not have assets, we need help as we cant spend money and we may not get money back, p
  2. Before Microcredit ceased trading a few of us won a decision with the ombudsman and it is binding on both sides. They owe me 1200. But microcredit have not payed this. I had to sign to say I would accept, now I have to enforce this is court.enforcing an ombudsman’s decision in court This note explains why a consumer may need to enforce an ombudsman’s decision in court – and what this involves. But it shouldn’t be taken as legal advice. why do I need to go to court? If a consumer accepts an ombudsman’s final decision before the deadline we set, the decision is “binding” on both sides. Th
  3. Effective from 16:00 Wednesday 10th December 2014, Microcredit Limited have Ceased Trading as a Payday Loan Company. [ATTACH=CONFIG]54808[/ATTACH]
  4. I took out a Minicredit loan some time during 2011. It wasn't paid back and in no time at all increased from about £80 to over £800. I emailed them on numerous occasions using the info I'd gleaned from this forum and didn't receive one reply. They passed the debt on to someone else (can't remember who now) and then on to Opos. I was receiving emails from Opos for a good 18 months - 2 years asking me to contact them. Apart from the emails there was no other correspondence and no phone calls. And then quite recently it went quiet. Yesterday I received an email from a company called Allsquar
  5. Hi all, Quick question. A while back I took out a £150 cash loan from Minicredit.co.uk and unfortunately, the repayment was missed on the due date. A short while after the payment was missed, my bank account was raided by these people who took 3 payments of £25 in one day and then a further payment of £15 the next day (£90 in total). The remaining £60 remains unpaid. I am now receiving letters from them demanding I pay them in excess of £1000+ I intend to dispute this and am hoping I have legal advantage in this case because. 1) They did NOT tell me when they would
  6. About 2 months ago i made a complaint regarding a payday loan company who was basically trying to get me to pay £1120.20 for a loan of £120. I called the Office Of Fair Trading and they somewhat did agree that as i did take the loan i should have to pay it back but not at the costs they are stating so they accepted my complaint and said they would report it to the proper authorities aswell... About 2 weeks after the conversation with the OFT i received a letter from my local council saying they are aware of my situation and wish me to explain further and to back up evidence of any communi
  7. Same story as everyone else on here. Totally unreasonable and ridiculous conduct on the part of Minicredit. I got a letter from Muck Hall demanding almost £1000 (on a principal of £150) I chained myself to the beast; Westlaw and the White Book on one monitor and Gmail on the other, and got to work. This is not legal advice; it is for educational purposes only and I accept no liability for the accuracy of the claims. Always seek advice from a legal professional before making decisions about legal matters
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