Mini Credit , are they the worst?

[Darren MO]

I have a loan with Mini Credit and owe £330, and am going to hard to try to set up a repayment plan. Has anyone had any luck with these i really could do with advice from anyone who has solved problems with them or knows someone who has.

[b8th]

Hey, I am in the same situation with a few payday loan companies. Unfortunately I have had no joy with them either so far - I defaulted last month and sent repayment offers, they will only accept payment through ukash as I cancelled my debit card etc to stop them taking amounts from my bank. I will keep you posted of how I get on - I have written to them 3 times and email them every day - they just send standard responses. There maybe someone here that is furter down teh line with them but they do not appear to be uk based - the person I spoke to on the phone just flatly refused any payment plan! let me know how you get on too.

[UnionCityGirl]

I think they are UK based (I believe in London SE1 at a restaurant!) but their English is terrible. They are very difficult to negotiate with.

[indebt00]

minicredit do not understand repayment plans and are the worst to deal with but who cares they cant do anything, cant take the food out of your mouth, just pay what you owe and once you paid it thats it, let them take you to court as they will be in the wrong. I had a loan with them borrowed a 100 in april/may (120 with interest) 3 months down the line it went to nearly 500 paid them bk 150 and they aint getting anymore!!!!!! Dont worry xx

[Darren MO]

minicredit do not understand repayment plans and are the worst to deal with but who cares they cant do anything, cant take the food out of your mouth, just pay what you owe and once you paid it thats it, let them take you to court as they will be in the wrong. I had a loan with them borrowed a 100 in april/may (120 with interest) 3 months down the line it went to nearly 500 paid them bk 150 and they aint getting anymore!!!!!! Dont worry xx

 

Do they still contact you?

[indebt00]

no they havent phoned me, but have sent letters not much, the last letter was sent to me at the begining of august x

[Darren MO]

I really not sure how i should handle them when i default and need to offer repayment plan

[molly66]

indebt00 how did you make payments to them ?

[indebt00]

hiya molly, tbh i paid them through there website. Darren there not going to offer repayment plan, dont worry and be brave wer with you x

[indebt00]

sorry there not going to accept a repayment plan x

[Darren MO]

sorry there not going to accept a repayment plan x

 

My worry is though i need to repayment them £410 including the 1 months interest so thats gonna take me about 8 months and i don't want the harrassment, and then when i have paid them harrasing me for more.

[Big Shoooz]

They wouldn't respond to anything I sent to them. In the end I gave up and now they've passed the debt to Fredricksons who are not much better but they DO accept repayment plans in the end. IMO minicredit aren't worth wasting energy on so I would ignore them and sit tight and wait for the debt to be passed on. As long as you keep all evidence of contact you have made with minicredit then no one can accuse you of not trying. Good luck and don't worry.

[Darren MO]

They wouldn't respond to anything I sent to them. In the end I gave up and now they've passed the debt to Fredricksons who are not much better but they DO accept repayment plans in the end. IMO minicredit aren't worth wasting energy on so I would ignore them and sit tight and wait for the debt to be passed on. As long as you keep all evidence of contact you have made with minicredit then no one can accuse you of not trying. Good luck and don't worry.

 

Do they always pass it to fredricksons?

[Big Shoooz]

Do they always pass it to fredricksons?

 

Hum, sorry I don't know the answer to that. They did in my case but maybe others on here can tell you which debt collector their debt was passed to?

[indebt00]

they didnt pass mine onto fredricksons. so not sure what and how it happens x

[Darren MO]

I need their bank details to make payments, Has anyone ever repaid them what they owe plus 1 months interest over time if so what happened did they still pass the loan on for the interest or was that the end of it?

[Darren MO]

Has anyone with these kept the money aside that they owe and then once they have the amount owed, offered it to them? If so did they accept its just something i'm going to try.