Jump to content


  • Tweets

  • Posts

    • statute barring in Scotland is 5yrs from last payment/use date or date of default Notice + 14 days, whichever is the later. dont confuse that with the 6yrs debts show on credit files (DN's 6th bday regardless to payment or not). they'd never get a claim raised by august in 99% of cases . as long all these debts were taken out whilst resident in scotland and you have not moved since taking them out but failed to inform the original creditor before the debt sale....... then stay radio silent until sb date is reached. then if you wish send our scottish sb letter. just remember unlike E&W in scotland debts are extinguished, dead , gone , parrot. once SB'd dx  
    • Hi all, Love this site and it's no nonsense advice, have dipped in and out of the consumer forums over the years, mostly to assure myself that what I was doing was the right thing when dealing with various businesses (almost 100% success rate, thanks in part to reading and more reading here.). Anyway, the time is almost approaching where I might need to ask for some specific help and I have a couple of queries that I can't see definitively answered. Due to financial mismanagement and severe anxiety issues I stopped paying all unsecured debt in December 2018 (one slipped to the first week in Jan 2019 when the last payment was made having rechecked my bank statement from that period - all my unsecured debt direct debits were cancelled in early Jan 2019). This has left half a dozen debts;  a couple of credit cards, a bank loan, Shop Direct and some Hitachi Finance stuff having been sold on and passing the rounds through the usual suspects, Lowells, Link, PRA Group, others related to them, and then back to them again. I have somehow successfully managed to maintain radio silence and avoided anything more worrying than their begging letters.  I have blocked their phone calls and texts, bumped all emails to the spambox and had a chuckle at their desperate letters.  I've never had anybody at the door.  I have been at the same address since before I defaulted and all correspondence comes to my current home address.  I have NEVER contacted them or admitted any debt. In anticipation of them perhaps ramping up action at the last minute I've had a look at my credit report on Credit Karma (rec'd from this very place) and I see that the default dates on these range from May 2019 to November 2019. Also in preperation I've been reading, reading and reading lots here as advised. Obviously being in Scotland there are a lot fewer posts relating to these matters and it's always quite annoying when OP's do not follow up with any outcome on their cases - how rude! This has also left me a bit confused of when I am able to finally breathe easy (although cancelling all the direct debits in Jan 2019 was the biggest sigh of relief as I knew it was all going to be unmanageable and, well, default one, default all.). I've been reading that defaults should be filed 3-6 months after the missed payment but one of my larger debts was defaulted on 27th August 2019 when the last payment I made was 10th December 2018, meaning the first missed payment was 10th Jan 2019.   My query for now is - when should I infer that these debts are prescribed?  From when the payment was missed, or taking the default date plus 5 years from the credit report? The three I have with the May date are moot anyway as either way they are gone  - some letters from Lowell offering me 90% off to settle is what got me thinking these must have been near SB status, however I have one big 10k+ with a July date and another 10k+ at the end of August I am feeling a bit anxious again, even though I know there is nothing to worry about with the begging letters.  Reading the various forums I am not sure why the OC's didn't take action against me when I read time and again the surprise that other posters haven't already been taken to court for lesser amounts - I'm also surprised I've avoided any action this long as there are plenty in this forum and sub forum who are whisked off to the court by the beggers minions after only a year or so after defaulting.  There are no CCJ/decrees listed on my credit report and I have not received any such judgements against me.  I still just regularly receive the begging emails to the spambox, the blocked phone calls and the letters from the they. I'm also reading that there is no need in Scotland to send an LBC so what should I be looking out for to know that the time has come to engage with CCA requests etc? I'm afraid in a fit I threw a lot of the paperwork out but I have a box of stuff I'm going to go through which may have the original letters from the OC's. Thanks in advance for any advice.  
    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Doorstep collectors - MINICREDIT - HELP


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4146 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 56
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Send it to the OFT as part of your ongoing complaint and resend your last proposed repayment plan letter/email.

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

Link to post
Share on other sites

  • 2 weeks later...
  • 1 month later...

Not sure if everyone is aware but OFT has a major ongoing investigation into Microcredit/Minicredit which has been actioned by the Consumer Credit Counselling Service as Mico/Mini Credit (both same company) have been refusing to cash CCCS DMP payment cheques.

 

CCCS is currently witholding all DMP payments to this company and is advising CCCS clients not to make any payments to them while they are under investigation. I would suggest that anyone who is having problems with them logs a complaint with the OFT as I'm sure they would be glad of any info that helps their investigation.

Link to post
Share on other sites

  • 2 weeks later...

Right these guys are ****ing me off bigstyle.

 

no reply to about 10 emails offering a reasonable repayment plan. have sent by email and recorded delivery.

 

how do i go about reporting these idiots with their plonker of an automated voicemail to the OFT.

45k Debt - June 2016

35k Debt - May 2018

24k Debt - April 2020

 

The battle is slow but I will win the war

Link to post
Share on other sites

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

Link to post
Share on other sites

Thanks...just for reference...what will the OFT be able to do to help me get minicredit agree to a repayment plan as I havent heard many success stories

45k Debt - June 2016

35k Debt - May 2018

24k Debt - April 2020

 

The battle is slow but I will win the war

Link to post
Share on other sites

Oft are the regulator. They wont make minicredit come to a plan but will action if they dont. Regardlass, you must get complaints in. If you dont then you are pretty much saying minicredit are not doing anything wrong.

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

Link to post
Share on other sites

I contacted the OFT but they were unable to be of much help in regards to dealing with Mini Credit. They asked me to complete a long complaint form for them to use as evidence as part of their ongoing inquiry. OFT don't seem to offer support in dealing with individual cases.

Link to post
Share on other sites

Thank you for your email received on 18 July 2012. I am very sorry to hear about the difficulties you have been experiencing.

As you may know, the OFT is undertaking a review of payday lending companies’ compliance with the Irresponsible Lending Guidance (ILG) and Consumer Credit Act 1974 (the Act). The aims of the compliance review are to assess compliance levels across the payday lending industry, identify the reasons for any non-compliance and to inform any future enforcement action. Further information on the work being undertaken can be found on the OFT website at: www.oft.gov.uk/compliancereview-paydaylenders

While the deadline for submitting formal responses passed on 18 May, the OFT is continuing to gather further information from consumers who have contacted us regarding a payday lender. I would be grateful if you would take a few minutes to complete and return the attached complaint form to us. The information you provide will be used to assist the OFT’s further consideration of business practices in the payday lending sector.

While the OFT has no authority to become involved in individual disputes, a list of organisations which provide free help and guidance can be found at:

so what happens after i complete the form?

45k Debt - June 2016

35k Debt - May 2018

24k Debt - April 2020

 

The battle is slow but I will win the war

Link to post
Share on other sites

It goes into their evidence file. They dont investigate single cases unless something serious happens. But they do collate all i fo and use it against them during the investigation.

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

Link to post
Share on other sites

  • 2 months later...

After 8 months of letters back and forth and email and telephone exchanges finally got a repayment plan to which i originally requested all those months ago, when dealing with this guys just be patient...theres more chance of me flying to mars then these guys sending balliffs round or court action, i have about 60 letters all filed away lol......i think they are starting to wise up to website like theses where people are continuing to get help and advice from others.

 

MINICREDIT YOU ARE STILL THE WORST PDL IN THE MARKET AND ITS ONLY A MATTER OF TIME BEFORE YOU GET SHUT DOWN.

 

ANOTHER SATISFIED CUSTOMER WHO SAW THROUGH THE BU11**** AND LIES AND GAVE AS GOOD AS HE GOT.

 

REGARDS

PB8111

45k Debt - June 2016

35k Debt - May 2018

24k Debt - April 2020

 

The battle is slow but I will win the war

Link to post
Share on other sites

  • 3 months later...

Hey guys so I have spent quite a bit of time searching and there are no end of issues with mini credit by the looks of things. I've been having a bit of a battle with them back and forth where I am being told the same things as most people have on here. So I lost the rag a bit and sent them the following:

 

Good Morning

And what a wonderful morning it is :-)

So, I received your replies thanks ever so much for getting back to me since i have heard you are in the habit of just ignoring people ....

I have heard a hell of a lot about your company - just typing your name into google brings up no end of problems so for that reason alone, I will be logging a complaint with the FOS - apparently they levy a £500 fine before they start? Yep so, maybe since you've been robbing people blind for years (no idea how you get away with it) it's time for you to get a few charges back :-)

Ok, so not sure if you read my last email so I'll outline it again for you perhaps if it is in capitals it might be easier for you to read as looking at your own replies it seems English is certainly not your first language ... I AM WITHDRAWING MY AUTHORISATION FOR ANY MORE PAYMENTS TO BE TAKEN FROM MY ACCOUNT FOR THIS DEBT. IN LINE WITH THE PAYMENT SERVICES REGULATIONS WHICH ARE RUN BY THE FINANCIAL SERVICES AUTHORITY, ANY MORE PAYMENTS TAKEN FROM MY CARD WILL BE AN UNAUTHORISED TRANSACTION. there, I hope that is a bit more understandable for you that means that YOU WILL NOT BE ADDING UNPAID DEBIT CARD FEES TO MY ACCOUNT AS I HAVE LAID IN BLACK AND WHITE THAT I AM WITHDRAWING MY AUTHORITY FOR YOU TO DO THIS - you may be able to get away with telling your lies to other people but I'm afraid you're barking up the wrong tree with me - Let me outline it for you - You will be getting paid back £200.50 plus one months interest. I did not receive £220 into my bank account - it does not cost £19.50 to do a faster payment I did not agree to that - show me something with my signature on. Show me proof that it has cost you £19.50 to make that transfer.

Also, some legislation for you to be aware of:

Any email, letter, text. stating that you will be making a 'doorstep' call. I will consider this to be harrassment.

 

Firstly Please be advised that I will only communicate with you via email. Any repeated attempts to contact me by telephone or mail will be duly logged by time and date.

 

Furthermore, should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you. Nor do I recognise any kind of charge made for 'doorstep' visits.

 

There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

 

As I am in a debt repayment plan , I am sure I have no need to remind you of the Office Of Fair Trading's guidance on debt collection which clearly states.

 

g. ignoring or disregarding debtors' legitimate wishes in respect

of when and where to contact them.

 

f. pressurising debtors to pay in full, in unreasonably large instalments,

or to increase payments when they are unable to do so

 

c. refusing to deal with appointed or authorised third parties, such

as Citizens Advice Bureaux, independent advice centres or money

advisers

 

d. contacting debtors directly and bypassing their appointed representatives

 

e. operating a policy, without reason, of refusing to negotiate with

debt management companies

 

Your previous actions seem to be a multiple breach of this guidance. If any of the above mentioned actions take place, I will require you to send me a copy of your official complaints procedures which you will have in place in order to have obtained a credit licence in the first place. I will then pass on your complaint to the Office Of Fair Trading, The Financial ombudsman and my local MP.

 

I really look forward to your prompt reply :-)

I hope you have a wonderful day :-)

 

Kindest Regards

 

Might seem a bit ott but i've totally lost my patience with them ....

Link to post
Share on other sites

Theyll more than likely ignore you or come out with some random stuff that makes no sense. They seem to think regulation doesnt apply to them.

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

Link to post
Share on other sites

I just find it hard to believe that no one has stamped on their heads yet - what exactly are the FOS and the OFT doing about it?!! It seems lots of people are complaining but why is nothing being done about it? I haven't seen a single post where anyone had been able to get anywhere apart from giving in and paying their fabricated fees it's ridiculous!

Link to post
Share on other sites

Nothign has been done because hardly anyone complains. We see it all the time. People say they will complain, then dont, hoping someone else will do it instead.

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

Link to post
Share on other sites

I just find it hard to believe that no one has stamped on their heads yet - what exactly are the FOS and the OFT doing about it?!! It seems lots of people are complaining but why is nothing being done about it? I haven't seen a single post where anyone had been able to get anywhere apart from giving in and paying their fabricated fees it's ridiculous!

 

Read this ;)http://http://www.consumeractiongroup.co.uk/forum/showthread.php?377531-Take-my-advice!

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!!!!

Link to post
Share on other sites

replace "http" with "http: "

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

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...