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    • opps send them one more email tell them email is not to be used for anything in relation to our mutual claim..   this is why you just shouldnt vanish for a month but  get reading up on claims here already so you know whats to come how to react and whats next etc. there are 100's of telecom or mobile claimform threads here already   giving an email to the fleecers gives them a method of filing stuff 1 min before a court deadline removing any way of you countering what could be lies and fake documentation.    
    • I returned two pairs of shoes that I bought from Adidas over a year ago. One of the shoes was £250, the other was £180 (yes I know, I was young and wasting the money I was earning at my part time teenage job). I thought the shoes were too expensive for the poor quality that I received so I decided to return them. I returned the £250 pair of shoes and it was perfectly fine, got refunded, no issues.   For the pair which cost £180, I thought I had returned it, but I had mistakenly sent the wrong parcel, thinking it was the shoes. Adidas therefore informed me that I had sent the wrong parcel and didn't refund me for it, which I had no issue with in the end, because it was my mistake. I missed the 14-day returns window for the shoe and decided to keep it.   Fast forward a year later, I have moved house and gone back to the old house to discover that DWF have been sending me letters for the last 8 weeks saying that I owe Adidas £430 (£250 + £180, I presume). They're saying that I have to pay or that they will take further action and all this stuff. Whats confusing me is that, one of the pairs of shoes, I was never even refunded for (as I said, I sent the wrong parcel), so why would I owe money to anybody? The £250 pair I sent back and was refunded for accordingly.   I have a few questions about this situation: I presume everyone on here will tell me to ignore but I was slightly more worried because £430 is a lot more than the amounts I have seen on here, so I was wondering what I should do in this scenario for such a large amount? Can they take me to court?   Is it true that these kinds of things can eventually affect my credit rating? DWF have said on their letters that they can affect my credit score?   And lastly, if I do continue to ignore them as people frequently say, are they just going to send me letters forever and ever and ever?   Forgot to also mention that as I said I have moved house, so I don't actually see any of their letters. I only saw these as I had to collect my credit card which got sent to my old house. Do I need to get the mail forwarded to this house or do I continue to ignore it and leave the letters? I just don't want a bad credit score or to go to court for the love of God.
    • I have looked at examples and am working on putting one together.    No idea why I shouldn't have emailed them?    Sent sar to 3 and crp letter to lowells and overdales. 
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Minicredit -advice please


Stupid1
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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.

 

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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

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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

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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,

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[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 .

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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

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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.

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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

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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.

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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..

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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

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  • 4 weeks later...

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?

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  • 2 weeks later...

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?

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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….

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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.

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