Minicredit help please

[Em78]

I have recently defaulted on a Minicredit loan and would like advice from anyone who has previously dealt with them on a number of points please....

 

I have been making partial payments on a weekly basis and was advised that each payment would delay a doorstep collector by 30 days each time however today have got a threatening e-mail advising that doorstep collectors will be instructed in 10 days time (incurring a £100 fee) and that they could also contact my employers. Has anyone else experienced this? Am sure that it is illegal to contact my employer to discuss personal matters under Data Protection. This also contradicts what I was advised about each partial payment delaying a doorstep collector by 30 days each time. Has anyone else experienced this and do doorstep collectors ever get instructed?

 

I fully acknowledge that the debt needs to be repaid and have been very frank about my situation with them. I have sent them a few e-mails now (which i have kept a copy of) and I dont seem to get any answers to my questions in the e-mails that they reply to.

 

I feel like they are using underhand and threatening behaviour to scare people and are acting in a completley unprofessional manner. I really feel like I need to complain to some organisation about Minicredit and would appreciate some advice from others that have done the same and contact addresses.

[sillygirl1]

They CANNOT charge £100 for a doorstep collector. The doorstep collectors have no powers whatsoever, they are not bailiffs, they cannot 'pre assess' your assets, view bank statements and 'pre-assign' goods for removal to sell.

 

Get that email to

 

http://www.tradingstandards.gov.uk

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

[Em78]

Thanks for the response, I am going to send an e-mail of complaint to both of the addresses provided.

 

Would appreciate other view of people that have dealt with Minicredit also please.

[asmilecostsnothing]

Hi Em, try not to worry to much hun, it is all hot air frustrating too I know, lots of complaints flying round about this mob

 

For what it's worth I have only dealt with Mini Credit once a while ago now (once was more then enough urrggghh), in the end I was silly and paid double bubble almost, like yourself was scared into believing them (it was well before I found this site I must say) about employers contact, they accepted a credit card payment in the end but at least I was rid of them thats how I saw it back then, of course borrowing more money is not the way to go as I've come to realise so I'd like to offer you every reassurance you doing the right thing with token payments keep making them they should only get what you can afford - I very much doubt they will send doorstep collectors round nor will they mark your credit file as I found out (just another of their threats)

 

Don't worry your doing the right thing but do also get complaining - you have rights

Edited September 3, 2011 by asmilecostsnothing
typo

[Em78]

Thanks for your post ...... I e-mailed Minicredit today and they have confirmed the e-mails are sent automatically to all deafulted loans and that if I have been making partial payments then the doorstep collector has indeed been delayed for 30 days. I have also spoken to the CCCS and they have given me some advice regarding dealing with them. They are just using bullyboy tactics to scare people.

 

I dont trust them though and am going to see if I can borrow the money from a family member and will make them an offer of settlement. I am trying to get my finances sorted out so borrowing from another lender will do nothing to help my situation.

 

I am still going to complain as although I do owe them money I have rights too and dont like the thought of being bullied. The CCCS advised me to complain about them. I owe money to a few other lenders and when I have explained my situation to them they have all put me on a repayment plan Minicredit are the only ones that have refused.

 

Anyone else have any experience of dealing with Minicredit?

[Darren MO]

Hi Em, try not to worry to much hun, it is all hot air frustrating too I know, lots of complaints flying round about this mob

 

For what it's worth I have only dealt with Mini Credit once a while ago now (once was more then enough urrggghh), in the end I was silly and paid double bubble almost, like yourself was scared into believing them (it was well before I found this site I must say) about employers contact, they accepted a credit card payment in the end but at least I was rid of them thats how I saw it back then, of course borrowing more money is not the way to go as I've come to realise so I'd like to offer you every reassurance you doing the right thing with token payments keep making them they should only get what you can afford - I very much doubt they will send doorstep collectors round nor will they mark your credit file as I found out (just another of their threats)

 

Don't worry your doing the right thing but do also get complaining - you have rights

 

How are you making the token payments?

[Em78]

I am making partial payments on a weekly basis using a debit card that I have for a basic account.

 

As it is a basic account no ages etc get paid into this account and I transfer only what I am paying before I use the debit card.

 

I have several e-mails from Minicredit advising that partial payments stop a doorstep collector being instructed although you will still get charged the £100 and will still continue to receive the generic e-mails that are automatically sent out to defaulted accounts.