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  1. 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 2016. For some reason, they have a shortened, incorrect version of my name which I never give and an incorrect address which I lived at as a child/teenager before moving out in late teens. I never gave them this address, god knows how they have it. I'm at a loss as what to do, 7 years later I have a full time job but with 2 children so adding another monthly bill would stretch things. Should I contact and ask for settlement? Ignore it and hope it drops off my credit file in a few years time? Be really cheeky and dispute it as they have the wrong address and name? I know the moral thing to do would be just ring up and pay it, however I can't afford to dump a grand on it, especially as I borrowed it when I was a moron at 18/19 in an already bad financial situation. Any advice welcome, Many thanks!
  2. I know Chris very well and have done for many years. Sadly it seems I'm another one of his victims. I paid Chris £600 upfront in January this year to repaint my mk 4 golf anniversary. He stated that as the body shop side of his business was quiet over winter he could do mine between other jobs and it would be done in 3-4 weeks from then. Nearly 6 months later and I'm still waiting. The car is sat in the same place I parked it back in January. Last month (April) I had a talk with him and told him I wanted the car and cash back and that i would get the work done elsewhere. He promised to crack on with it and days later the bumpers, lights etc were removed, now we are back to square one with my car sat rotting away. It's been there that long there's 3mm of tree sap caked on the car. Chris avoids replying to my texts. I've been told by a very good friend of Chris's that he has over 40 cars waiting for extensive restoration work the majority of customers having paid upfront all to lavish Chris's lifestyle. His friend admitted he doubted any of the cars would ever get done and that it was only a matter of time before he 'Did a flit' back to his belovied Cornwall. His working week consists of 3 days now. Tuesday, Wednesday and Thursday. On Thursday evening he travels down to Cornwall returning Tuesday. He's well aware of the comments on this forum and reckons most is liable and that he's tried several times to get it taken down but to no avail. Posts claiming people have served court papers on him are also false according to him with most of the negative comments coming from a disgruntled ex member of staff that was sacked - the guy lives in fairy land. I don't know how the guy has the brass neck to continue taking money off people.
  3. http://www.consumeractiongroup.co.uk/forum/showthread.php?480924-North-West-Mini-Centre-Glossop-Marple&p=5061443#post5061443
  4. I be interested to know if people have had dealings with this company and what their experiences are. Thank you
  5. Hello, Sorry for the long wordy post. I recently paid a £500 deposit and signed a new vehicle hire contract for a Mini with Chilli Pack from Halliwell Jones. 3 days later they contacted me via phone to say that Mini had increased the price of the Chilli Pack and it's now roughly £1000 more expensive (this wasn't advertised on the Mini website). The sales rep said that there was nothing that they could do apart from try to find another car that's already been built with the old chilli pack. They managed to find one that had everything I wanted but was more expensive because it had heated seats. After some hesitation I agreed to this car but called back about 20 mins later to say that i was unsure about what to do. I tried to negotiate a better deal but they wouldn't budge and made out that I had already had as much discount as I was going to get etc. and i said that i needed to think about it. By this time they had already bought this car from another dealership. I told them over the phone that i was going to try and get a better deal from another dealer because i wasn't happy with it at all and that evening that's what I did. When I then asked Halliwell Jones for my deposit back they have refused on the grounds that i agreed to order the second car however, according to their terms and conditions the original agreement was cancelled when they could not fulfil it and the second agreement is classed as a distance selling one and because of this I have the right to cancel within 14 days and don't have to give a reason. Am I in the right here? Any help you can give will be very much appreciated.
  6. 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 I take this next? Is it worth me arguing the interest and then offering £200 to clear the outstanding debt? Thanks in advance
  7. I'm looking for some advice if possible as I believe I've been mis-sold a car. The car in question is a 2015-plate Mini Cooper SD and picked it up back in March this year. It was 'bought' on a 4yr PCP deal and the car was already at the main dealer premises having been 'pre-reg'. I stressed to the salesman on three separate occasions that I go kayaking and therefore the car must be compatible with roof bars. On the evening when I collected the car I explicitly mentioned it again and he responded by saying that "yeah, there is something available that clips onto the trim around the roof". If you've driven a Mini you'll know that this trim is plastic and not structural. I therefore looked into buying roof bars and decided to go OEM as I've always done this in the past, however it became apparent that you can't simply buy and fit these roof bars. It turns out that the car must be spec'd for this at the manufacture stage and given that mine was already on the lot, this was never an option. Needless to say, the salesman never thought to mention this and had I known that this was the case then I'd never have gone through with the deal. Following an initial complaint, the dealership then offered to have the equipment 'retro-fitted' for around £1000. This worried me because when checking Mini forums it was noted that you couldn't retro-fit roof bars to the cars as they must have 'strengthening' works done during manufacture. Infact, one user went on a factory tour and was told by factory staff that retro-fitting was not possible at all. I spoke to Mini UK who have since told it can be done and I've managed to get them down to £300 outlay to me which they say is the cost of the roof bars. Given that never paid more than £180 for OEM roof bars I queried the cost with other Mini dealerships (parts depts) who all to a man said that my car was 'incompatible' according to their systems. In addition, my paperwork on the deal stipulates that the car is a 143bhp version while I was explicitly told that it was a 2015 170bhp version. I have no trust whatsoever in the dealership and would like to look at handing back the car. Is it possible given the lies from the dealer staff above? Thanks
  8. My wife bought a Mini Cooper from Masters Mitsubishi in September 2014 - They sold it saying the car had run flat tyres - She had an issue with a flat tyre and took it to a tyre specialist who told her they were normal tyres not run flats. We contacted Masters and told them that they have not provided the tyres as detailed in the sales pitch - The managers said nothing he could do now and said the sales agent does not remember saying they had run flats and that there was nothing he would do for us. As far as I am concerned this breaches SOGA / Trading Standards - please correct me where applicable. I find it very frustrating to be fobbed off like they don't care which they obviously do not. What course of action would you say that I now pursue? Thanks Justin
  9. There was a serious flaw in the software of BMW, Mini and Rolls Royce that come equipped with ConnectedDrive and affects some 2.2 million vehicles leaving them vulnerable. The flaw allowed the cars doors and windows to be open from a mobile phone. Researchers working for German automobile association ADAC discovered the security vulnerabilities and the potential for vehicles to be broken into last summer, but kept quiet about them. BMW have now uploaded a patch. If you are worried that your vehicle may not have received the update (perhaps because it has been parked in an underground car park or other places without a mobile phone signal, or if its starter battery has been disconnected) then you should choose “Update Services” from your car’s menu. The cars affected are: BMW 1 Series Convertible, Coupé and Touring (E81, E82, E87, E88, F20, F21) 2er Active Tourer, Coupé and Convertible (F22, F23, F45) 3 with Convertible, Coupe, GT, Touring and M3 (E90, E91, E92, E93, F30, F31, F34, F80) 4p Coupe, Convertible, Gran Coupe and M4 (F32, F33, F36, F82, F83) 5 Series GT and Touring (F07, F10, F11, F18) 6 Series Gran Coupe Convertible (F06, F12, F13) 7 Series (F01, F02, F03, F04) I3 (I01), I8 (I12) X1 (E84), X3 (F25), X4 (F26) X 5 (E70, F15, F85), X6 (E71, E72, F16, F86), Z 4 (E89) Mini Three-door and five-door hatchback (F55, F56) Rolls Royce Phantom Coupe and Drophead Coupe (RR1, RR2, RR3) Ghost (RR4) Wraith (RR5)
  10. Hi, So I have never done this kind of thing before so any advice is much appreciated. Recently had a letter from Opos regarding they now own the debt that I have with Minicredit. I emailed Opos for a full breakdown of charges and they have came back: Loan sum 250 £ Interest 377 £ Penalty 80 £ Attempt fee 645 £ Debt expenses 100 £ Total 1452 £ Balance 1167.5 £ Now this loan was taken out in 2011 so a while ago and understand this is when interest rates were a lot different from what they are now and I admit I haven't paid back.. I have paid back a total so far of £284.50 which has been various amounts between November 11-Feb 2012. My credit score apparently at the time was 45 which means not a lot to me but I know it was in a poor way and has not improved since! Does anyone know if I am able to request Opos to write off some/all of this debt as personally I believe the other fees are ridiculous and not even sure what some of them mean.. i.e debt expenses. How would I go about wording this to them, is there a template or something or does anyone have any previous experience in doing this? I don't mind paying back the loan sum & Interest as I accept I did have the loan and have already paid back £284.50 but the rest seems pretty steep - I have now included this debt on to my DMP that I have just begun with step change too. Thanks in advance Danielle
  11. Travelling on the M25 at 9am lots of traffic, sudden and increasing knocking noise. Indicated, changed lane and decreased speed but within seconds there was a bang and the engine light came on. Engine stopped, but luckly managed to pull onto the hard shoulder. Car was covered in oil around the sides and bumper. AA towed car to garage. Timing Chain Tensioner had failed so they carried out a compression test to check damage, which showed a failure on 1 of the cylinders. Thinking this could be fixed they removed the exhaust manifold and found that the bottom end was completely ruined! I purchased the car from new, now has 46,000 miles on the clock and mainly used for local journeys, first three years BMW maintained and then well maintained by local BOSCH service centre. It was only in the BMW service garage a few weeks ago for a recall on the turbo collant pump. I have found lots of mini owners in the US with similar issues. Any more in the UK? If so please post. We need to get BMW to accept there is an issue and recall. The mini cost me £22k and is now worth £0. CONSUMER ADVICE? LEGAL ADVICE? HELP!!!
  12. Hi has any body contacted watch dog on this problem as we just got told by BMW that a noise coming from the engine was a hole in the flexi pipe and needed to repair it ASAP having done this we now a light on the dash board ( engine management light and now they're saying it's the timing chain ?? I have had the car 3 years and is only done 58,000 miles and I drive it 20 miles monday to Friday for work and I have put more in to this car than its worth really I think I was sold a lemon as am for ever putting money in to it I spent over £2000 last year in bills on it and now this I read that all US mini have been recalled why haven't the uk followed ??
  13. Dear members In the last few years, I had been receiving excellent service from MINI, unfortunately, I have received poor customer service. I noticed that my mileage allowance per year was very low (sadly, I did agree with it on day of making HIRE Purchase agreement) Back in April (I have been accumulating charges that I will need to pay unless I purchase the car at the end), an advisor called Liam told me that I should pay £20 in order to receive a mileage quotation. He told me that I would receive the quotation after 5 working days. I made the payment. After more than 3 weeks, I had not received quotation and I made another phone call and spoke with Dan (on a saturday). He apologised and stated that the quotation would be sent as soon as possible. He also told me that if I buy the car, no quotation for allowance was needed. I told him that I wanted to have my options open. After few months (July) I made another phone call to find out about quotation. I spoke with Emma, who confirmed that MINI had decided to not to proceed with the quotation and the money I spent was refunded but I was not notified of it. I was not informed of this and MINI did not even had the courtesy of informing me after they have failed to send the quotation in 2 occasions. I have been a trusted MINI customer for years and both my wife and myself have chosen MINI as our preferred car. We always found that MINI strength was outstanding customer service. The way this was handled by MINI was not in line with the excellent service we have been receiving in the last 6 years. I found the conflicting approach and lack of transparency from MINI appalling. MINI showed a shameful disregard for my personal situation. I can only think that they want to ensure that I would buy the car and sadly, they have achieved the opposite. I would like to warn you that these type of companies appear to care for the client while the reality is the opposite Be careful when signing documents and agreeing with a mileage quotation on the day of Hire purchase Thanks for your support Omar (DrO)
  14. Hi all, This is my 1st thread so go easy on me ;-) I have a few issues with BMW Mini, after purchasing a car last year & am looking for some advice as to what to do: 1) I was advised the car had service package until Dec 2014 and a major service was scheduled for September 2014. I have now been advised this is not the case & I was incorrectly advised upon purchase. 2) After 3 months of driving I had a knocking noise, upon inspection 2 litres of oil had been lost, whilst their warranty doesn't cover oil loss surely they had to check the oil prior to my purchase, according to service records the last oil change was 2012! 3) I have condensation build up in a rear light & a horrific squeaky window, dealer wont cover these under warranty either. Now I realise they are excluded but surely only 3 months after purchase these types of issues shouldn't start to show. 4) They stated when I purchased the car that it had 1 previous owner, this is also written on the order form. However, the V5 states 3 previous owners. Surely this was misleading & I should be entitled to a reduction of the balance owing? Thanks in advance
  15. In 2011 I was getting married, and was short on £100 for the wedding photos, so decided to try a payday loan company, I ended up with minicredit. Well they sent me the money - £19.50, which was not on the website, As soon as the money was in the bank, I sent them the following email Good evening Can you send me your cancelation details, under the distant selling regulations, as I did not expect you to take £19.50 from me, also I do not see on your website, you do that. Also I have noticed there is a lack of information informing me of said charge, and also a lack of information informing me of my right to cancel within 14 days. Many thanks And got a basic auto reply anyways a few more emails went by, and a few letters recorded, to the address on there contract. And heard nothing, I offer to repay the 80 odd they put in, as I terminated the contract within 14 days, more like within 14 mins and still nothing, now the debt is £900.00, I have sent 3 letters around 15 emails, and nothing from them, I have kept all emails, and still have the post office stubs, I was informed they were sending some one round, and also they were going to phone my boss, about my loan, so had to take a week of work unpaid, to sit and wait in, I also sent them the do not come round letter, all to no avail. they never sent any one, so I ended up wasting a full week, and not getting paid. Where do I stand, and what can I do. Please help Please forgive The English, Im very tired, and stressed Oh and to add to all this im now getting demands from a company called hellix, about a minicredit loan for a poor lady who I have never heard of or met in my life, they have given me her name and told me her email, and what her sons full name is, and also that she is a company director. real cowboy firm
  16. Can anyone assist me?. I have been a vodafone customer for 17 years and last November, I upgraded to a HTC mini. A few weeks ago, I noticed a fault on the phone with the lock/unlock button. I returned it to the Vodafone store and they sent it to their repairers. A few days later, I received a call from the repair team who advised that there was a crack on the inner screen and this invalidates the warranty. They advised it was easily done and could have been caused by dropping the phone. I advised that I had never dropped the phone and this in any event could not be related to the fault itself and in fact the release form supplied by the store describes the condition as fair with a scratch to the screen. I was told that they would either return or I could pay £190. As I was not happy with this, I contacted Vodafone via live chat. I reiterated that the phone had no damage, it was only 4 months old and therefore, if there was now a crack on the inner screen, they would need to prove this was not pre-existing and or was not done whilst in transit to the repair centre. The person on live chat kept on saying that unless the store had dismantled the phone in front of me, they would not see the damage either. I asked 8 times how I could escalate this and what governing body regulates them. They refused to give me this but said they would send a picture to me of the crack. Yesterday, I went into the Vodafone shop to inspect my phone. The sales girl agreed there was no damage but a scratch (caused by an earring) She also told me that the repair centre had tried to send a picture but it had not gone through. She said they could only act on what the repair centre had told them. I called Vodaphone as I still had not seen the repair assessment and they went through this. The assessment said there was a hairline scratch on the front screen. They have advised this scrach (which is visible but cannot be felt to the touch) has damaged the inside of the phone. I have several issues with this. Firstly, I have been told 3 different stories about the alleged damage. I am now expected to believe that a scratch which cannot be felt and does not penetrate to the other side of the screen has somehow damaged the inside of the phone. If this was the case then every time the screen was pressed this would also damage the inside too?. Surely a scratch cannot cause such force and velocity to damage the inner workings of a phone? Secondly if this is to be believed, how could this cause the lock/unlock button to be damaged which is not behind the screen ? I really want to escalate this as I believe the likely version to be that the lock/unlock button cannot be repaired and would need the phone replacing and as such, Vodafone are trying everything they can to void the warranty. I also firmly believe that these repair centres are target driven to void as many as possible. Does anyone know who I can escalate this to. I cannot go to Ombudsman Communications Services as I need to go via Vodafone first but this could take months. I was considering contacting the CEO and writing/emailing but I am not sure what impact this would have. Any advice would be gratefully received
  17. I have been stupid but trying to sort a repayment plan with them. I am not due to pay until the 1st April, but this is the response I got. I am sure adding 60 days interst is wrong. Can someone please advise me A MiniCredit Hardship Department member has replied to your application, #221624 with the following response: The following e-mail is sent according to the Formal Hardship Procedure. Our hardship team has tried to contact You over the past few days, unfortunately we were unable to reach You by the registered mobile number. After assessing Your account details we are able to propose two payment options. The first option is a settlement plan for £683.20. You would need to make at least one payment a month towards the balance and clear the debt by the 30th of July 2014. Choosing this option means that no default will be marked on Your credit reference file. The settlement plan balance consists of: 1. Original due date balance £409.20 2. Overdue charges £40.00 3. Interest for 60 days £234.00 The second option is a long term payment plan for £733.20. Choosing this option means that a default will be marked on Your credit reference file, but You will be able to make payments during a longer period of time. Depending on the monthly payment that You can afford the plan will be administrated either by us directly or by our debt recovery partners. The payment plan balance consists of: 1. Original due date balance £409.20 2. Overdue charges £40.00 3. Interest for 60 days £234.00 4. Debt recovery fee £50.00 The contractual interest rate is 1.3% of the principal per day from the date of issuing until the 60th day after the chosen due date. The above described overdue charges and interest are in accordance with the Loan Agreement. Please let us know what You decide considering the above latest by the 1st of April 2014. If no response is received by then we will forward Your account to our debt collection partners with default balance.
  18. I'm so angry right now I could crush a grape I, like many others dont have the opportunity to have our broad band routers in the same room as the TV and sky box so we can have the pleasure of watching on demand TV. So when I heard about this little device I though yippee I can now watch on demand on the TV instead of my laptop. So I ordered one. It came today, I got quite excited, I know, small things please small minds and so on.... So I set about setting it up, then I heard on the sky start up page that existing customers can get them free. Oh I thought, I didnt see that when I ordered. Anyway made a mental note to find out more about it and carried on setting this up. But alas it didnt work. I went online to have a look and see what the problem was. My box seemed compatible as my box was a R008 and all you needed was a R004 or higher, which I had. Hmm I though, I must have a faulty connector box. They do look rather cheap and no bigger than a credit card. It certainly didnt look like it would cost more than a pound to make. Anyway just to make sure I hooked it up on a friends sky box and it worked, however the signal was terrible and interfered with the sky. Moved it nearer to the router and it was fine, (6ft away). This wasnt going to do as my TV is in another room 15 ft away and I cant move the TV nearer the router and visa versa. Hence why I ordered one. So I got sky up on chat as I didnt want to pay for the call and at 5p a min, I didnt want to rack up a huge phone bill as I knew there was a possibility I would have to wait. I explained to this person that the mini box didnt seem to work with my sky box and they said they would send another, I said it was pointless as my box is not compatible and the mini box was ok, but they wouldnt have it even though I didnt want a new box, the conversation went on quite a bit. We also discussed about the payment of the mini box and that I had found out that it was free to existing customers. Well this isnt technically true. If you have connected via an ethernet cable in the past you dont get a free one. How on earth was I meant to know that, dosnt say it in the advert. But at the bottom of the page in small black writing, way way down the page, where you have to scroll down quite a bit and after a load of gumph there it is. The place where you order it dosnt even refer to anything of the sort. Very bad advertising. The chat goes on and I ask what can be done, she kindly offers me to have an engineer out at a charge of £60 to come and set it up for me. That was it I told her not to reorder one (for the 3rd time) and to not send an engineer round. I then decided to call sky, which I know I should of in the first place. It gets worse. I was put through tech support and after checking my box I was told that my box was not compatible She then tells me that they couldnt send me out the one I needed because the stupid person on chat had ordered a replacement. She would have to cancel that and then once that was cancelled they would send me a new one at no cost!!! This could have taken some time and by this time I was getting pretty pee'd off at the whole sorry situation. After this call I checked the website, on another page that took me ages to find, after clicking my way round the site again, also at the very bottom of the page it gives the full details on what you need, on a drop down menu. How do they expect you to find this, especially people who are not very well net literate. Im quite good at finding and checking stuff, but even I had difficulty finding it. My machine is a year out of date. Many are older, so what happens to those people who want to watch demand, oh yeah they would have to pay to get a newer model, Nice one sky My machine is 4 years old, the machine I tried it on to check was 2 years old. A year ago they started making sky boxes with wifi built in. Can you see the irony here??? They advertise this mini box for people who received a skybox 2 years ago, before that you need another mini box or a different set of connectors. So sky, just dont worry about those who have a sky box that is over 2 years old, dont tell them you need a mini box that isnt advertised very well on your website if at all. You just let them waste their time and money on something that will not work and get frustrated, ordered a new one only for the same thing to happen again, or even worse have an engineer out and be told its not compatable for the meager sum of £60 and still be no further forward. They seem to forget those who have been customers for more than 2 years. As for a free box, well I used on demand 4 years ago when it first came out, I happened to move very shortly afterwards, which many people do and could not connect to my router so didnt use it, however because I had onced registered and watched it 4 years ago I wasnt entitled to a free mini box. So, Thank you sky, you have just lost another customer! Not that I think they would care much Thanks for reading my lovelies and if you do buy a mini box you have now been educated on the pros and that 'c' word that I cant use in here. Not the rude 'c' word mind Hello to all my friends in here Im still about somewhere on the net keeping very busy
  19. Hi all, I have no idea what to do, Mini credit are saying that I have taken out a loan with them when I have never even heard of them. There isn't a date when I was meant to have taken out this loan, but I'm being harassed by their company and they've sold this debt to OPOS limited saying that I now owe £815.96. They also said that my card was used, I have a new debit card now so it must have been my old debit card which was used but I don't know the dates. I haven't used my Barclays account or my card in months and months. I use a different bank account. I emailed them and told them that it must be a mistake and they want proof that my card was used fraudulently but I knew nothing about this until a few weeks ago. Luckily I have a new debit card from Barclays and I haven't given out the new details to anyone or any website. I have applied for loans in the past but I was rejected, so I'm wondering has a dodgy site sold on my details? It's funny because they like to send me harassing emails but they ignore all of the emails that I sent back, it's like talking to a brick wall! Any help or advice would be greatly appreciated thank you.
  20. Hi everyone this is my first time posting on these forums and i find myself in need of some advice! i took out a payday loan with mini credit which was due to be paid back on the 25th of October 2013, i started college and had a reduced income for that month and the forseeable future. after looking around mini credits website i realized there was hardly any way to contact them! i requested a call from them on the 20th of october and also sent an email asking for a repayment plan that same night only to have an automated response saying: Dear Sir/Madam Please use ww. minicredit .co. uk /contact page to send Your question. Kind regards Mini Credit .co . uk Customer Support Team As i had already done that i searched around these forums to find an alternative email address to use other than the info @minicredit one and found one for collections @minicredit.co.uk on the 23rd of October i against sent an email to mini credit stating: Dear minicredit. I am not in a position to make a lump sum payment to pay off my mini credit loan debt. This is not a decision that i have taken lightly and realize my obligation to pay back this sum of money of £243.18 due on the 25/10/2013. This is due to me starting full time education and now receiving lower wages than i originally anticipated. I did try to contact you earlier but received no response after trying though your website I am hoping that we can come to a repayment agreement that meets the interests of both of us where you get your money back at monthly payments that i can afford and so continue to pay my priority debts and living expenses I would also kindly ask that you suspend any interest chargers occurred in my repayment plan so i can pay you back the £243.18 that i owe in a fast and timely manner. i understand the impact this will have on my credit report and deeply sorry for the in convince caused I also kindly ask that you contact me by email only as this is the only way i will communicate. Kind regards i then went to bank and asked them to cancel the cpa for mini credit, i didnt inform mini credit of this i wasnt sure i was suppose to or not?! on the 25th the due date mini credit took the £243.18 i owed them and a few days later the bank refunded me, in this period i had no emails or phone calls off mini credit till i woke up to text message today saying: We have the right to start legal action and inform the national chargeback database about your fraudulent chargeback to reduce your credit rating. i rang them up after this message to say i have had no communication off them and that i had emailed asking for a repayment plan they claimed they had email me but the only email i have received was the auto response one i posted above and that it had been passed on to collections and i couldnt set up any plan till my bank informs mini credit of the charge back or something along those lines. So please any advice about what i can do next im very stressed with this whole cycle and just want to get out of this mess so i can concentrate on work and my studies.
  21. Need some advise, my other half has bought an iPad via three on contract and it has gone faulty out of the initial 28 days warranty they give, after that they state it has to go to Apple. I don't really want to go to my nearest store as it is about 60 miles away. So the question really is, are 3 responsible for the replacement or refund for the iPad as I am covered under SOGA, the contract is between me and 3 and not Apple. Any help would be great. Cheers
  22. Hi, today I had a letter from minicredit.co.uk about a loan that I knew nothing about I don't know what else I can do I have talked to my bank and they are sending the money, they apparently sent to me says in this letter they tried to call / text / email me but this is the first time Ive heard from them why would they start a loan without getting confirmation from the person who is meant to be setting it up! what can I do ?
  23. Hi All, As most are aware, Mini Credit charge £19.50 faster payment fee every time they issue the loan - 1) there is no option when you apply for the loan for this not to be added 2) Faster payment is free 3) the faster payment charge of £19.50 is excessive and misleading as it is being advertised as a "faster payment charge", rather than actually being profit for Mini Credit. Additionally, Mini Credit also charge £5.50 for using debit card for repaying the loan early - I believe this is excessive and misleading, and charged as a profit. I am not 100% sure but I thought debit card transactions for businesses are charged at 50p?? Now, I have had several loans in the past with Mini Credit and all paid on time. I currently have no loan with Mini Credit and my account is closed (I would strongly advise anyone not to apply with them either). What I wanted to do was submit a complaint to Mini Credit requesting my money back due to the above arguments. Most likely, they will refuse and I will take the complaint to FOS. Has anyone every submitted a complaint to Mini Credit or FOS regarding this? Also does anyone have any views on this or my chances? I was thinking its worth a try to fight for, I wont end up loosing anything and I dont owe them any money anyway!
  24. so i have a loan due tomorrow and i cant pay i have already rolled over the loan once and i cant afford to do this now. I phoned them up and they said they could not freeze the interst but could set up a 4 month plan with added interest taken the balance to 400 pound can they do this? My original loan was 100 paying back 125 please help
  25. Hi All I have an unusual problem so i'm going to state all the facts: I called a cab to pick me up from home to take me to my local tube station as i was running late for work. The cab pulled up to a nearby set of traffic lights and was in a line of traffic waiting to turn right (it was a red light). There are two small lanes on the approach to the traffic lights, one to turn left and one for right. the left lane was empty. I asked the driver if I could get out there and cross the road to the station instead (I was in the rear passenger side seat). He said yes and in fact that was more convenient for him. I paid him and then opened the door to get out - I keep running this through my head and i definitely looked first and did not see anything coming - . Just as I was about to step out I looked out of the open door and saw a car coming down the left lane at speed. I leaned back in and tried to pull the door shut but was slightly too late and the other cars wing mirror hit the cabs door edge. He obviously didn't see me either. The was no visible damage to the cab door. the was quite bad scratching to the other drivers mirror. We all pulled over and got out. The cab driver started swearing and looked at the damage to both cars and said 'I've got to get to another job, sort this out between you' jumped in his car and drove away before anyone could stop him. The other driver managed to get his license plate number. I was completely confused about what was supposed to happen the other driver said 'I'm not bothered with you, you're a passenger' and started getting into his car. I stopped him and said 'at least take my number' which he did and drove off. I realised later that didn't have any details or pictures of the damage. The cab driver has since got my number from the cab office and has said 'its your fault but I am willing to pay half the damage and but I don't want this going through my insurance' he was a little arrogant about it saying that he thought he was being more than reasonable to which I replied that I think I am too for being willing to pay the other half as I could have just walked away. He then started threatening me with the small claims court. So the situation stands at this. I have no way of contacting the other driver and I imagine he will just go down the insurance route and there is nothing I can do about it. The cab driver shouldn't have driven away. Can the cab driver actually pursue a case against me? Don't cab drivers have insurance for just this sort of thing? Thoughts welcome please!
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