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hi im trying to sort out a payment plan with mini credit but i get no where .You have to email through their site and then you get same reply .Then you get an email saying they are trying to email you .Idont really want to ring them i dont wanna get upset

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Dreadful....please report them to the OFT. You are being more than reasonable by attempting to contact them by email....


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hi i have received an answer phone message saying to pay the loan etc , so i have emailed them saying i want a payment plan and im not making part payment while they keep putting on charges .the balance is 308 pounds now in 2 weeks on a 100 pound loan .

here is the email At the moment You are refusing to make partly payments although You were told that we accept any partly payments towards the balance until we start Legal action.

 

The due date was on the 20th of June 2011 and the loan has been overdue for 16 days already. 

 

All the charges will be added until full repayment and the account should be cleared within 90 days from the due date to avoid legal action.

 

We accept partly payments You make on Your MiniCredit.co.uk account, but we do not offer payment plans and freeze the balance.

 

 

The Court will also see that You have not made any payments towards the balance voluntarily and it will also be taken into consideration and provides us the possibility to claim the Attachment of Earnings for the County Court Judgement.

 

 

 

 

Kind regards

MiniCredit.co.uk

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It gets better ive been back on the website one page says my balance is 308 then another says 338.also if you make a payment they charge you 5.50

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MiniCredit are the worst of the worst for customer service and charges no one has ever got into a payment paln with them they just dont play ball at all , i have several outstanding payday loans all but these and cfo and payday express have put me into a plan , i didnt want to risk defulating with minicredit due to the horror stories so i rolled over for a few months tried to roll over today but was refused {£5.50 for the pleasure of refusal !!} bit the bullet and decided to pay in full {£5.50 for the pleasure of paying in full two days early !!} . I will never use these or any payday loan again

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i just cant win with these guys if you make a payment they add on 5.50 for processing fee.so i wanna pay 10 but gotta pay 15.50 so all they are getting is 5.00 now ,what a nightmare

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can someone help me here .i am trying to pay part payments up to loan plus 1 months interest but whatever i pay i have to add on 5.50 each time .the others dont do it .i dont know what to do .

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hiya molly, if you go on your account on minicredit, and you will see FAQ, click on that and click on not found right subject or something similar. you can email there and they will get back to you. they dont freeze balances and dont reduce balances hardly.i had a £100 loan with them its been 3 months and it was over £500, so i made a payment of £150 and im not making any more payment they can take me to court all they like!!!!!!! dont panic or worry molly your not alone in this mess.just pay the original loan and one months interest x

  • Haha 1

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hi i have been emailing through their site but they are so unhelpful .What i dont agree with is everytime i make a payment you have to pay 5.50 on top

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molly have they replied to any emails? keep emailing them your offer and dont pay the for atleast 2 months or so, save on the side and then make a settlement offer???

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yes they answer with the same thing ...dont accept payment plans ,do accept part payments but dont freeze interest or charges and must be paid within 90 days or they start legal action .im sure youve heard all that .i will keep emailing them

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yes i have heard the same thing as you, i have my own thread on this matter. goodluck!!!!

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please can anyone advise received another email the amount is now 330 pounds.i have to pay within 10 days or it says they may contact my employer and start legal action ,i dont want them contactiing work ive only been there 2 weeks

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Hi there

 

Im in the same situation as everyone else re mini credit except for that I have never recived an email just a letter stating someone will be round and I owe them £500.00 for a £100.00 loan, £80.00 which I only received as in the small print it say they charge £20.00 to deposit the money?

 

I have emailed and email, tried to call and no joy. I have saved the loan plus one months interest and have set it aside in order to pay a full and final settlement.

 

I have no idea how this company is allowed to trade under these circumstances. Its scarey and extreamly intimidating behaviour.

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Hi guys, you might want to read this you may find it very interesting and helpful.

 

Mini credit are C**** - I will explain in a moment.

I have had every type of credit going! I am 21 and in £8,000 worth of debt. I have acquired this debt in 12 months. I am not proud of this and recently have been very upset and worried, however I turned to the CCCS who are a charity which help people who are in debt who want to help themselves. I am now on a DMP paying back £162 a month to ALL of my creditors. I shall be debt free in just over 4 years. The creditors have frozen interest and stoped calling as they are now getting regular monthly payments from a trusted source.

My creditors include

Shop direct (very, additions, little woods etc)

JD Williams

Studio 24

Santander

Lloyds TSB

Natwest

 

And the dreaded payday loans (used pretty much all of them)

Cash genie

247 Money box

Mini credit

1 month loan

Capital finance one

Payday express

Tooth fairy finance

Txt loan

Mini credit are the WORST creditor (if you can even call them that) EVER!

 

I had a £100 loan in April. I only received £80.00

It is now the 11th July and the balance stands at £627.00

I have emailed them hundreds of times to get no response, I have spoke to them on the phone and offered them full & final settlement of the original loan plus 1 months interest and the least they would accept was £350 – I told them to whistle!!!

They threaten you with debt collector and to contact your employer.

However I would like to inform you that they don’t send these debt collectors and they don’t contact your employer – these are scare tactics to get you to pay up.

 

It is actually ILLEGAL for a bailiff to enter your property unless a CCJ has been filed against you and you have missed a payment through the court. It is also illegal for them to discuss your dealings with them as they would of not passed data protection.

A CCJ is where the judge looks at your income/outcome and 9/10 will award with the payments you offered in the first place anyway as you cannot give the money you don’t have!

So keep to your guns keep emailing mini credit (so you have proof you tried to make offers)

 

The CCCS made them a monthly offer and I haven’t heard anything back from Mini credit yet so I am unsure if they have agreed to my plan but they are still accepting the money.

Also DO NOT PAY on their website £5.50 processing fee? JOG ON SUNSHINE… that should be £5.50 off your loan total but its just another crafty way of getting money.

 

Also report to the finical ombudsman I have and am awaiting a response.

 

Finally MINI CREDIT IF YOU ARE READING THIS-

How F****** actually are you?

No wonder you are finding it so difficult to get money out of people who have got themselves into a position where they are unable to pay it back… you don’t accept payment plans!!

Would it not make more sense to accept a plan with someone over 6 months and get the money back then have the hassle of going through the courts to get it back then having to wait about 2 years???? Mmmmmmmmmmmmmmmmmmmmmm

Good luck guys!!

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hi im sick of these morans.i have received a letter today saying i now owe 491 pounds.On the website i owe 506 pounds.It states if i havent paid in full by 30th july it will be referred to their doorstep agent . ive told them im willing to pay but im not paying 5.50 each time i make a payment .I have again requested their bank details ( which i know i wont get ),My question is do i just save up the payments each month then pay it in full ?

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Hiya, I wouldnt worry too much about these, they are horrid to deal with, and will bombard you with allsorts of mail / email but it is all just scare mongering to try and force you to pay over the odds. Personally I would carry on doing what you are doing (writing/emailing), then if you get no response wait for it to go to DCA. If you can save a F&F settlement then happy days, but i would not be paying them anymore than the original £100 (hard cheese I think for the £20 fee - although you could contect this seperately) + 1 months interest minus what you have already paid (including the daylight robbery £5.50 charge). Work out what you owe then when it is transferred to the DCA pay them the amount via bank transfer (you could consider charging them £20 for same day payment lol). Job done - they should go whistle for the rest!!!!!


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Mini-Credit-Scam.jpg

 

Maybe ask for some garlic bread as I believe these are their state of the art office facilities

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All you owe Minicredit is the original loan and one months interest - nothing more. They are trying to fleece you.

 

Get complaining to the OFT and Trading Standards now otherwise you are wasting time posting on here.

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You only owe the original loan amount and one months interest, not the amounts they are claiming. Stick to that as a repayment plan.

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I have offered thema repayment plan countless times on the phone, offered to send them bankstatements to prove I can not afford to pay the lump sum but I just keep being told that at minicredit they don't offer payment plans and my interest will keep building up. What would I say if I did complain to OFT/Trading Standards? Would it not be dismissed because I am in the wrong because I haven't paid?

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They would be in the wrong not you, you have tried to pay and the are refusing. They have no leg to stand on.

 

Complain to

 

http://www.consumerdirect.gov.uk for the Office of Fair Trading

http://www.tradingstandards.gov.uk for Trading Standards

 

Whilst both organisations don't deal with individual complaints the more complaints they get against a company the better.....

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Is there any point in lodging a further complaint to Financial Ombudsman Service in addition to OFT & Trading Standards? I know FOS are slow, backlogs up to the eyeballs, but a £500.00 investigation fee they levy on Minicredit might (and by reading this, only might) make them sit up and notice?

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Yes, the more complaints the better, particularly when they continually keep breaching the guidelines, each case will make it harder for them come licence renewal time.

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hi im so angry have received a letter today saying despite our efforts to sort this ,what a laugh i have been trying for two months to get a payment plan with them .

they say they are sending a doorstep collector to my address between the 12th and 18th of august.,and have added another 100 to the balance.

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