Doorstep collectors - MINICREDIT - HELP

[willnotdoitagain]

Thanks Rene will do. Not sure what to reply with any ideas i would appreciate

[renegadeimp]

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

[willnotdoitagain]

Ok thanks again Rene will send it to OFT.

[cammykfc]

Make a compaint to FOS and ask Minicredit for their final decision as regards your offer. Do it all in writing not over the phone.

[Annieamp]

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.

[pb8111]

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.

[renegadeimp]

http://www.oft.gov.uk/contactus and email them, or use http://www.oft.gov.uk/shared_oft/Credit/complaint-form.pdf

[pb8111]

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

[renegadeimp]

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.

[Welshy27]

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.

[pb8111]

Done

[pb8111]

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?

[renegadeimp]

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.

[pb8111]

lets hope the ******* gets what they deserve

[pb8111]

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

[tinkerbell_2k12]

Well done on standing your ground with them.

[Sillyboywyn]

Minicredit aren't as bad as Toothfairy! lol

 

Well done on getting sorted though.

[inspired28]

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 ....

[renegadeimp]

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.

[inspired28]

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!

[renegadeimp]

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.

[inspired28]

Well I am drafting off emails to them both as we speak - I have rights and will not be abused and harassed by a sneaky money grabbing [problem] of a business .... Can you tell I'm at the end of my tether?!!! Lol

[stitchly]

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!

[inspired28]

Hey stitchly

 

That link won't open

[renegadeimp]

replace "http" with "http: "