Doorstep collectors - MINICREDIT - HELP

[pb8111]

What is the email address for minicredit to actually talk to them rather than having their automated questions.

[CJShep]

There is only one that i'm aware of that's working is [email protected] but that's usually for complaints, but it's worth giving it a go..

 

The other one that may be working is [email protected] but i havent had a reply from them when i sent them an email 24 hours ago

[pb8111]

Minicredit have wrote to me stating that this has now been passed on to their doorstep collectors to recover the total which is 1000+ , the Loan itself was only 600. I have emailed them 6 times with requests for payment plans to which i have had no reply

 

advice please? ...what are the chances of someone coming to my house (PS if your reading this minicredit make sure who ever you send has a great white flag on show before he gets near my door)

[sillygirl1]

If anyone comes to your house you can tell them to get lost, the doorstep collectors have no powers whatsoever, if they say they are bailiffs they are powerless without a court order which has been breached.

 

Get onto the OFT and Trading Standards as they are doing an indepth investigation into this murky market. Tell the OFT you have complained to the company and heard nothing.

[pb8111]

2 QUESTIONS

 

1) Does minicredit have another email address other than [email protected]

 

2) Not got any replies to numerous emails so its time for me to fight back...who do I report them 2

[renegadeimp]

Report them to the OFT. To be able to report to the FOS, you need to have filed a formal complaint with minicredit, and waited 8 weeks, or got a final response from them before the 8 weeks are up.

[pb8111]

whats there complaints email address please?

[renegadeimp]

OFT can either be sent a complaint online or by snail mail using http://www.oft.gov.uk/shared_oft/Credit/complaint-form.pdf

[pb8111]

and the complaints email address for minicredit as well please

 

thanks for your help

[renegadeimp]

[email protected]

[pb8111]

many thanks you have been a star since ive joined this forum

[willnotdoitagain]

I have put in a complaint to Mini credit also but recieved a text message saying there will be a doorstep collector calling if i dont pay the amount I owe in 10 days.

[renegadeimp]

Ignore it.

[pb8111]

any help with regards to a reply guys please.

A MiniCredit Claims Department member has replied to your claim, #xxxxxx with the following response:

The Following Response is being sent to You according to the Formal Complaints Procedure.

Microcredit Ltd does not have the following e-mail address : [email protected]

Microcredit Ltd provides short term payday loans. The Customer chooses the due date him/herself and it is also possible to apply for the roll-over latest on the due date and keep the loan for another period of time if the credit check result allows You to. The Loan Agreement was signed by Yourself and sent to the e-mail address You entered on our webpage during the registration. According to the Loan Agreement You have to make all payments with a debit card and the only possibility to make payments is available on Your MiniCredit.co.uk online account.

We accept all payments You make and may provide You up to 90 days from the due date to clear the balance before Legal action is started. All the overdue charges and interest have been added to the balance according to the Loan Agreement and will be added until full repayment.

The following information has been taken from the Loan Agreement:

KEY INFORMATION

If you break this Agreement, we will charge you if we unsuccessfully attempt to obtain repayment on the due date for repayment. A fee of GBP25 will be charged on the day that your missed payment was due. If we unsuccessfully attempt to obtain repayment on the due date, we will attempt to obtain repayment a second time 2 days later, and if we unsuccessfully attempt to obtain repayment on this second occasion we will charge you a further amount of GBP55. If we unsuccessfully attempt to obtain repayment we may charge up to GBP5. If we unsuccessfully attempt to obtain repayment 30 (thirty) days after the due date we may charge further GBP100 manual debt collection recovery fee.

Interest on any sum in arrears will be charged at the contractual rate, both before and after judgment, until payment. Also, you must pay us all other reasonable costs and expenses we incur (including any legal costs on a full indemnity basis) in tracing you, or enforcing, or attempting to enforce, our rights under this Agreement.

Repayment, Default and Recovery

8. You agree to make all payments to us under this Agreement at the proper time. We will collect payments by debiting your bank account using the debit card details you have registered with us up to three times per day. You authorise us to debit your bank account to collect payments due under this Agreement. If we are unsuccessful in collecting payment, we may try to debit your bank account again at a later stage until we have successfully collected payment. If you have provided us with details of a second debit card and we are unsuccessful in collecting payment from the first debit card, you authorise us to seek payment via the second debit card in the same way as you authorise us to seek payment via the first debit card. You must give us new valid debit card details when you cancel, lose or your debit card(s) registered with us become(s) invalid when you have unpaid loan with us. If you cancel your debit card registered with us and do not provide alternative debit card in 14 days we may add all the default charges described in the Key Information and potential attempt fees regularly charged until default date what is 120 days after the due date to your loan balance and refer your account immediately to our debt recovery partner.

Microcredit Ltd has activated a 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.

Please attach supportive documentation regarding the financial hardship.

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

[renegadeimp]

Fun time!

 

any help with regards to a reply guys please.

A MiniCredit Claims Department member has replied to your claim, #xxxxxx with the following response:

The Following Response is being sent to You according to the Formal Complaints Procedure.

Microcredit Ltd does not have the following e-mail address : [email protected]

Microcredit Ltd provides short term payday loans. The Customer chooses the due date him/herself and it is also possible to apply for the roll-over latest on the due date and keep the loan for another period of time if the credit check result allows You to. The Loan Agreement was signed by Yourself and sent to the e-mail address You entered on our webpage during the registration. According to the Loan Agreement You have to make all payments with a debit card and the only possibility to make payments is available on Your MiniCredit.co.uk online account. Oft guidance says they must take into account a debtors circumstances including ability to pay. This also includes method of payment as they are not allowed to say no to any valid payment.

We accept all payments You make and may provide You up to 90 days from the due date to clear the balance before Legal action is started. All the overdue charges and interest have been added to the balance according to the Loan Agreement and will be added until full repayment. The charges are not legally enforceable and the interest is severly inflated, not justifiable and again, not legally enforceable due to the excessive amount.

The following information has been taken from the Loan Agreement:

KEY INFORMATION

If you break this Agreement, we will charge you if we unsuccessfully attempt to obtain repayment on the due date for repayment. A fee of GBP25 will be charged on the day that your missed payment was due. If we unsuccessfully attempt to obtain repayment on the due date, we will attempt to obtain repayment a second time 2 days later, and if we unsuccessfully attempt to obtain repayment on this second occasion we will charge you a further amount of GBP55. If we unsuccessfully attempt to obtain repayment we may charge up to GBP5. If we unsuccessfully attempt to obtain repayment 30 (thirty) days after the due date we may charge further GBP100 manual debt collection recovery fee. Their loan agreement cannot supersede law or regulation. Again, those charges are not legally enforceable ( it's why they always say they will remove the non payment charges when you call their bluff)

Interest on any sum in arrears will be charged at the contractual rate, both before and after judgment, until payment. Also, you must pay us all other reasonable costs and expenses we incur (including any legal costs on a full indemnity basis) in tracing you, or enforcing, or attempting to enforce, our rights under this Agreement. Again they state under the agreement. If you challenged it in court, the judge would instantly see that the amounts were excessive and the PDL was "unjustly Enriching" themselves at your expense.

Repayment, Default and Recovery

8. You agree to make all payments to us under this Agreement at the proper time. We will collect payments by debiting your bank account using the debit card details you have registered with us up to three times per day. You authorise us to debit your bank account to collect payments due under this Agreement. If we are unsuccessful in collecting payment, we may try to debit your bank account again at a later stage until we have successfully collected payment. If you have provided us with details of a second debit card and we are unsuccessful in collecting payment from the first debit card, you authorise us to seek payment via the second debit card in the same way as you authorise us to seek payment via the first debit card. You must give us new valid debit card details when you cancel, lose or your debit card(s) registered with us become(s) invalid when you have unpaid loan with us. If you cancel your debit card registered with us and do not provide alternative debit card in 14 days we may add all the default charges described in the Key Information and potential attempt fees regularly charged until default date what is 120 days after the due date to your loan balance and refer your account immediately to our debt recovery partner. They cannot do this if you write a simple letter or email telling them that you revoke all authority for them to debit your account by any means. Blatant disregard for OFT regulation here and borderline theft.

Microcredit Ltd has activated a 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. They are ONLY allowed the total amount. No specifics.

2) Please fill in your current expenditure details. They are ONLY allowed the total amount. No specifics.

3) Please fill in your creditor details Under OFT regulation and the Data Protection Act 1998 they are NOT allowed ANY of this information.

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. No they dont. You simply saying you are in financial difficulty and need a smaller repayment plan over a longer term is enough.

We may require documentary evidence of your claims. No they dont. Again, Data Protection Act overrides ANY of what they ask for.

Please attach supportive documentation regarding the financial hardship. Again, nope. Breach of DPA and OFT regulation here.

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

 

 

 

Have fun!

[willnotdoitagain]

I received this email from Mini credit, what do you think Rene?

 

Dear xxxxxxxxxx

 

A MiniCredit Claims Department member has replied to your claim, xxxxxxx with the following response:

 

The Following Response is being sent to You according to the Formal Complaints Procedure described in the pre-Contract.

 

Please fill in the hardship application that has been activated on Your online account as it needs to be signed.

 

1. Why was the repayment not made on the due date?

 

2. What happened?

 

3. When happened?

 

 

The three above questions are necessary to be answered and supported with documentation to see that the loan was originally taken out in good faith and You had the intention of making the full repayment latest on the chosen due date.

 

 

 

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

[renegadeimp]

You can answer those. Theres no probs with them. The PDL is actually doing what they are meant to do simply because you issued a formal complaint. They know they cant ask for the other info such as I&E info, so theyre actually asking for the right info now.

 

HOWEVER:

 

The three above questions are necessary to be answered and supported with documentation to see that the loan was originally taken out in good faith and You had the intention of making the full repayment latest on the chosen due date.

 

Time to get another complaint into the OFT/trading standards now as they are accusing you of fraud and performing a 180 and demanding documents they are not entitled to yet again.

Edited May 16, 2012 by renegadeimp

[willnotdoitagain]

:-)Thanks for your help Rene, your a gem

[willnotdoitagain]

Recieved this from them now, any ideas ??

Dear xxxxxxx

 

A MiniCredit Claims Department member has replied to your claim, xxxxxx 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 does not consider a debt to a third-party as unforseen circumstances. This is not our responsibility and You still need to honour the Loan agreement You signed with our company.

 

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

[renegadeimp]

Sounds like they are not on another planet. They are in law, classed as low priority repayments. So yes, a third party debt, such as electric, food, rent, overdraft or even payign to have your car fixed because it broke down can be seen as unforseen circumstances, regardless of what they say.

[willnotdoitagain]

Not sure what to reply with Rene any ideas please ?

[renegadeimp]

Tell them to do one and get the letter to the OFT. They are breaching regulation by not acknowledging your financial circumstances and trying to tell you what they consider "unforseen circumstances" to be. Not what regulation states.

[FrugalJo]

Will it seems we are at the same stage with this bunch, keep at it.

[willnotdoitagain]

Recieved this response today from Mini credit

 

Microcredit Ltd is able to provide You at the moment three possibilities.

 

The first option is a settlement. The settlement means that when You contact our Customer support we are able to reduce the current outstanding balance and waive some of the failed debit attempt fees. The settlement must be paid over the phone during the phone-call with a debit/credit card.

 

The second option we are able to provide You is a settlement plan. We provide all our clients 120 days from the due date to make payments of any amount towards their outstanding balance. Your current loan has been overdue for 31 days which provides You 89 days to make payments of any amount. You would need to make at least one payment a month towards the balance. After the 89 days You would need to make a full and final settlement offer. Microcredit Ltd will then overlook all the payments we have received and they will be taken into consideration while calculating the settlement. This option provides You approximately until the middle of August 2012 to try to get the Loan cleared. The reasonable settlement amount must cover the daily interest for every day our funds have been used, the loan principal and the two penalties for breaking the Loan agreement. The interest is 1% of the Loan principal which in Your case at the moment is GBP4.00 per day. We are able to waive most of the failed debit attempt fees (GBP5.00 per every empty transaction when the funds are not available on the registered debit card.)

 

Microcredit does not provide You the dates nor the amounts when You need to make the payments. The partial payments possibility is available 24/7 on Your http://www.minicredit.co.uk online account under "Repayment" section. The most important part is that at least once a month a payment of any amount must be made. The loan should be cleared latest by the 15th of August 2012.

 

The settlement can be discussed at any point when You have a larger amount available to offer as a full and final settlement.

 

The third option we are able to provide You is a Hardship application. We will activate this on Your http://www.minicredit.co.uk online account. Once You have filled in the application and provided us the supportive documentation regarding the change of the circumstances we will process the application and if neccessary forward Your account over to our Debt recovery and Legal partner who are able to set up a long-term payment plan with You. However You would need to bear in mind that if we forward the account over the default will be marked immediately on Your credit file.

 

 

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

 

I have already told them I do not have a debit card so why do they keep trying to take payment.

[renegadeimp]

Get that letter to the OFT. They are trying to follow OFT guidelines on one hand, but on the other completely break it by stating that repayments are to be done on THEIR terms and with no negotiation, as well as a few other things.

 

Basically its a standard form letter they send to anyone with a repayment issue.