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Is minicredit eventually listening?


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Made a official complaint to minicredit a few days ago here is the response!

 

 

A MiniCredit Claims Department member has replied to your claim, with the following response: The Following Response is being sent to You according to the Formal Complaints Procedure described in the pre-Contract. Microcredit Ltd has activated an Hardship application on Your www.minicredit.co.uk online account. Please log in to Your account follow the instructions and send the application back to us. In order to apply for Hardship status of your account please follow the instructions below: 1) Please fill in your current income details. 2) Please fill in your current expenditure details. 3) Please fill in your creditor details 4) Please review the details. 5) Click Print the form 6) Sign, date and fax the form to 020 7138 2919 7) Our team will need to assess the proposal. You will be notified with the decision within 5 working days to your email address registered with us. We may require documentary evidence of your claims. We hope this response has sufficiently answered your questions. If not, please do not send another email. Instead, reply to this email. Kind regards, Minicredit Claims Department

 

What now? Do I fill in there form?(not even checked it out yet!)

Edited by stitchly

2nd July 2012 EarlyPayDay a/c Cleared!:-D

26th October 2012 Wonga,Go Cash & Pounds to Pocket CLEARED!

30th November 2012

Pounds to Pocket CLEARED!

Payday Express CLEARED!

Speed Credit CLEARED!!!!

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"apply for hardship status"? What?

 

 

All the have to do is flag your account as having financial difficulties and set a repayment plan up. They dont need or have to apply for anything.

 

Theyre talking total garbage. Especially the part about documentary evidence. They need to get it into their thick heads that they are classed as LOW priority when it comes to repaying them. The whole point of people taking a loan out with them in the first place is because they are having difficulty with bills.

 

Send the form in but do NOT send in any bank statements/wage slips/employer details even if they try and demand it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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DO not fill in anything on their website, get that garbage to the OFT and Trading Standards IMMEDIATELY.

 

You are having the proverbial taken out of you if you fill in and send back what they are asking for. Only a court of law can ask for bank statements, wage slips and full details of your other creditors, they are only allowed a summary of incomeexpenditure no names or other etails and certainly not documentary evidence.

 

Report them to

 

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

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

 

Both lots are doing in depth investigations into this murky market so your complaint will count.

 

Put the complaint in your own words, that they are asking for sensitive information they have no right to see and are going against the OFTs own guidelines in debt collecting.

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  • 1 month later...

Update!!

Got a letter from opos claiming they are acting on behalf of minicredit(yeah,yeah same company!)

I sent an email to them informing them that the Fos are involved and I will not be discussing the debt until they have come to a decision on my complaint.

Was this the right thing to do? Or should I dispute the amount with them and try to set up a reasonable payment plan ie; loan+1 months interest?

2nd July 2012 EarlyPayDay a/c Cleared!:-D

26th October 2012 Wonga,Go Cash & Pounds to Pocket CLEARED!

30th November 2012

Pounds to Pocket CLEARED!

Payday Express CLEARED!

Speed Credit CLEARED!!!!

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If the FOS are involved, then you are 100% correct. Dont override ANYTHING the FOS is doing until you get their response.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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:whoo:Im getting the hang of these things now!!

2nd July 2012 EarlyPayDay a/c Cleared!:-D

26th October 2012 Wonga,Go Cash & Pounds to Pocket CLEARED!

30th November 2012

Pounds to Pocket CLEARED!

Payday Express CLEARED!

Speed Credit CLEARED!!!!

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Yes, you did right, now get their letter to the FOS as part of your complaint as it shows the company do not have good administration processes in place 'automated processes' are all very well but they must learn to turn them off mid cycle when necessary, something sadly lacking in this murky market.

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If it's worth anything. I got a full and final settlement with these guys, be it through mackenzie hall. I paid the principal and 1 month interest only, be it as one lump sum of £280.

 

They originally wanted nearly £1200 which included £900 in charges and interested but I refused to pay for many many months

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Settling that with Mackenzie Hall was good, the charges are all wrong, in the OFT Guidelines on Debt Collecting they expect any charges to be relevant and in line with the amount of the original debt.

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