Jump to content
  • Tweets

  • Posts

    • Can you ask your GP to get a second opinion on the NHS?  (I ought to know because I'm a retired NHS manager, but worked in mental health where x-rays didn't really feature very much(!).)   Your GP may be reluctant for various reasons but you've got nothing to lose by asking.  Might be difficult if there's only one consultant in that specialty locally.   If that is a non-starter, you could ask your GP for a private referral if any of the relevant specialists run private clinics.  Your son'll get seen quicker and an initial private consultation shouldn't cost more than about a couple of hundred quid.  Then take it from there.   (Emphasise to your GP what your real concerns are and why you have them - even if it's just "I looked it up on the internet and it looks like this which can lead to serious complications.  What do you think?  I'm really worried...")   EDIT:  Just looked on my local NHS Clinical Commissioning Group website and searched for "second opinion" but nothing comes up...  I thought you were entitled to one - you'll have to ask your GP.  Or look on your own CCG site.  Oh - despite being a NHS manager I have paid to see a consultant privately.  £150 well spent - if you can afford it... which I appreciate not everyone can.
    • dont think they are even allowed to offer settlement by instalments, they are not creditors.   read the letter carefully and understand what it doesn't actually say....like the word WILL anywhere.   they,  a DCA, can't recommend anything and their client most certainly wouldn't have disclosed anything to a powerless DCA about what their solicitors might or might not have said to them. and ofcourse a solicitor is in no position whatsoever to suggest to their client they get back to the DCA and tell the DCA to tell you their client will accept instalments!   the letter is a load of ole BS that is concocted by the dca without any input or knowledge of their client nor their clients solicitor...   dx      
    • The paediatric orthopaedic consultant at the fracture clinic told us today that he believes it is just a sprain behind the knee. I'm concerned my GP will say something along the lines of, 'you have seen a consultant, he says it will heal in 2 to 3 weeks, you don't know more than him!', or something like that. It's just that I believe I can clearly see a fracture. And as there was no fall or hard knock, only a very tightly streched knee bending at an angle behind, with a load. I figured that the temdon must have pulled some bone up. And thats the injury I found online. I totally take on board what you are saying. You are correct. I guess I'll see what my GP says tomorrow, hopefully she allows me to email the images, if she doesent have access to them already. Thanks again
    • With the global market for recycled cardboard worth billions of dollars, it is attracting criminals. View the full article
    • UK house prices are predicted to fall but a report spells out why property may remain out of reach. View the full article
  • Our picks

    • Curry’s cancelled my order but took the money anyway. Read more at https://www.consumeractiongroup.co.uk/topic/423055-curry%E2%80%99s-cancelled-my-order-but-took-the-money-anyway/
      • 11 replies
    • Father passed away - Ardent Credit Services (Vodafone) now claiming he owes money. Read more at https://www.consumeractiongroup.co.uk/topic/423040-father-passed-away-ardent-credit-services-vodafone-now-claiming-he-owes-money/
      • 9 replies
    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 6 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 16 replies
Stupid1

Minicredit -advice please

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2604 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Took a £100 loan from this company. Offered them a settlement of £150.00 and have received the following emails from them today... Are they allowed to do this?? Please can someone comment urgently as to where to go from here.... My Hubby getting very stressed and just want to get my mess sorted as soon as so we can get on with our lives... Thanks CAGGERS!!

Please read the loan agreement you accepted when taking loan from us. Thank you.

Principal: £100

Interest to date: £57,50

First late payment charge: £25 (added 1 day after due date)

Second later payment charge: £55 (added 3 days after due date)

Debt collection charge: -£100 (added 30th of days afte due date)

Total balance today: £237,50

We are not able to accept the settlement offer you made however if you make the payment today then we'll remove manual debt recovery charge £100. The settlement balance would be £237,5. This is last offer from us otherwise we'll forward your case to our lega team. Thank you!

The charges have been added to the loan balance according to the Loan agreement.

 

Share this post


Link to post
Share on other sites
Took a £100 loan from this company. Offered them a settlement of £150.00 and have received the following emails from them today... Are they allowed to do this?? Please can someone comment urgently as to where to go from here.... My Hubby getting very stressed and just want to get my mess sorted as soon as so we can get on with our lives... Thanks CAGGERS!!

 

Please read the loan agreement you accepted when taking loan from us. Thank you.

 

Principal: £100

Interest to date: £57,50

First late payment charge: £25 (added 1 day after due date)

Second later payment charge: £55 (added 3 days after due date)

Debt collection charge: -£100 (added 30th of days afte due date)

Total balance today: £237,50

 

We are not able to accept the settlement offer you made however if you make the payment today then we'll remove manual debt recovery charge £100. The settlement balance would be £237,5. This is last offer from us otherwise we'll forward your case to our lega team. Thank you!

 

The charges have been added to the loan balance according to the Loan agreement.

 

 

Hi stupid1

 

This is pretty normal bluster that you get from these companies to start off with. I have never dealt with this lot so don't know how they will proceed. However will they really go to court over a £100 debt? I suspect not but you never know. Personally I would make a fair monthly offer (that you can afford) to pay the £100 plus one months interest and to point blank refuse to pay any more. If worst came to worst you MAY lose in court and have to pay a monthly figure you can afford anyway.

 

.I think you will have to stand up to them as they are taking the you know what!

Good luck

Share this post


Link to post
Share on other sites

Hi got home from work and received a letter as below:-

 

We have no alternative but to escalate the matter. If full payment is not made by close of business on the 10th October 2010 the matter will be referred to our doorstep collection agent to recover this debt as they see fit. If we are unable to debit full amount on the date stated above we'll start legal action against you 15th October 2010.

 

Can they send an agent to my home??? I thought only a court could action a bailiff?? Also the amount on the letter states total balance due 333.5 when by email is states 237.50. Can anyone advise please!! Starting to loose my marbles with all this. Thanks

Share this post


Link to post
Share on other sites

they will increase the amount as per their agreement, its a joke. door step collector? rubbish, its against the law. they have to take you to court, win, get an order, you've got to break the order and then they can send in a bailiff. bunch of liars, just contact them to come to a fair agreement so you can sleep tight,

Share this post


Link to post
Share on other sites

[quote name=

We have no alternative but to escalate the matter. If full payment is not made by close of business on the 10th October 2010 the matter will be referred to our doorstep collection agent to recover this debt as they see fit. If we are unable to debit full amount on the date stated above we'll start legal action against you 15th October 2010.

 

 

oh dear OFT breakages there they cannot tell someone to come over and demand payment I would complain about this to them but contact them (by letter or E mail) offering a payment plan on your terms dont let them bully you into an unfair payment .

Share this post


Link to post
Share on other sites

Hi today I have composed the following letter to send to Minicredit, and further comments/advice would be welcome!!

 

Minicredit –

Re your letter dated…….. I have serious concerns re the wording of your letter

Quote

We have no alternative but to escalate the matter. If full payment is not made by close of business on the .......2010 the matter will be referred to our doorstep collection agent to recover this debt as they see fit. If we are unable to debit full amount on the date stated above we'll start legal action against you ....... 2010.

Unquote

To enable you to send a bailiff to my home you should in the first instance take me to court, win, get an order, I then have to break the order and then you can send a bailiff. I will not be bullied into making a payment to yourselves. I feel your charges are unjust, and am offering a repayment plan of £... per month without interest or charges being added until account is cleared OR a full and final settlement of £....... - £..... more than I borrowed. I believe your letter is breaking OFT guidelines by the threat of sending someone to my home and demand payment, so a copy of this email will be sent to them. I am also formally requesting a full breakdown of the charges including full dates that interest was applied and at what interest rate on each date.

I await your urgent response today.

ALSO: The 2 communications I have had from them state different amounts owing, any advice on how to play this one.

THANKS

Share this post


Link to post
Share on other sites

They can instruct a debt collection company to try and recover the debt.

 

this company can only knock on your door and request payment, they are not a balliff, but may try scare tactics (not illegal as long as they dont harrass you) they can threaten you with court, removal of good CCJ's attachment of earnings but all of the above must involve a court hearing 1st. most payday co will not risk a court hearing.

 

I dont say the above to sacre you just warn you not to be intimidated.

 

If the company mini credit instruct are independent you may even be able to arrange a repayment plan through them to suit yourselves better.

Share this post


Link to post
Share on other sites

I believe there is a good - 'I will not accept door step visit' letter in the template library. Basically tells them they will have to make an appointment to which you will not give them.

Share this post


Link to post
Share on other sites

Thanks Robjam1969, I have seen it somewhere, but cant find it now I need it. Can anyone help with this template. Thanks

Share this post


Link to post
Share on other sites

Hi there, personally I wouldn't give them so much information in your letter. I would tell them you are offering £150 as a full and final settlement and payment of that sum is available immediately. While they state the charges are as per their terms and conditions of the agreement, this does not automatically make them fair.

 

They won't take you to court as they wouldn't like a judge to be looking at their monstrous charges!

 

Stand firm, offer £150, end of story. If you need help wording the email, please let me know and I'll happily draft one for you.

 

Ell


Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Share this post


Link to post
Share on other sites

www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

Share this post


Link to post
Share on other sites

Thanks Delboy01! I knew I had seen it somewhere.

Share this post


Link to post
Share on other sites

Received a letter from mincredit headed "Final Notice Before Legal Action"

 

It goes on to state "If we are unable to debit the full amount on the date stated we will start legal action against you on xxth Oct"

 

This letter is not Dated and also has an incorrect Amount Overdue (as agreed by themselves) and also has no signature either

 

Am I right in thinking this letter is not legal or at best been incorrectly issued??.

Also should I have received Default Letter before this letter???

 

 

Many Thanks

Share this post


Link to post
Share on other sites

hows the situation going stupid, im getting the same from these guys

Share this post


Link to post
Share on other sites

Silence!!! Not heard a peep, no emails, no calls, no door step collection... I have given up emailing them at the moment, because they dont reply... I have proof of every email I have sent them. Whats your situ at the moment?

Share this post


Link to post
Share on other sites

Nothing at all from them, I have been making token payments when I can afford to, How about you, any news?

Share this post


Link to post
Share on other sites

no think im just going to pay the full amount at month end. are these token payment decreasing you balance?

Share this post


Link to post
Share on other sites

Nothing total silence, emaild them again yesterday requesting they give me a full breakdown of their charges as £100 loan is now £378.00!!! :-x

They just not bothering to reply to any of my emails. I am making token payments when I can but this doesnt seem to be reducing my balance by the look of it. If you are going to pay them off what is it that concerns you?

Share this post


Link to post
Share on other sites

not 100% going to pay them so was just thinking of other options

Share this post


Link to post
Share on other sites

I really can’t believe this company is still trading as the way they go about things must be illegal. Where are you at with these sharks Stupid? Had any visit from there imaginary doorstep collectors.

Do you think they will go to court? The issue I have is I have told them I will pay but thinking about it now it’s going to cripple me financially as they are asking for over 3 times what I borrowed however I cant deal with there threats….

Share this post


Link to post
Share on other sites

Golden rule i have devised for payday loan companies is

 

Original loan amount PLUS one months rollover fee

 

That is their lot, they may like to claim masses but basically they are on thin ground, should it go to court you can get their Particulars of claim questioned by doing a summary defence and admit only the original loan amount - include all emails to and from them and the case is usually dismissed - or recommended for mediation - in which case you stick to your offer.

 

If possible stick the money you have offered to one side on a monthly basis then if it does go to court you can prove that you could have paid them back the original loan before it gets to court.

 

Their threats are groundless, if they did try to carry them out you can counter sue them for harrassment.

Share this post


Link to post
Share on other sites

great advice silly, i have told them i will pay back what they are asking though. stupid i know!!! do they have anything against me there?

Share this post


Link to post
Share on other sites

Nope, you can say you were pressurised by their threats and since then have sought advice which proves their threats are groundless.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...