Jump to content

  • Tweets

  • Posts

  • 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

Minicredit, doorsteppers and court

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4406 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


Start your own new thread

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



Recommended Posts

Hi all,


First time poster,so please go easy :)


I'll get straight to the point. In jan took out a loan with minicredit for 300-400 odd (not entirely sure on the amount - more on that later). To cut a long story short I lost my job and have been unable to pay. Received their "doorstep collector" letter 4 weeks ago asking for 800quid otherwise the doorstepper would recover the debt "however they see fit" . As the wording on their letter is deliberately ambiguous and potentially misleading , plus their "debt collection" charges seem laughable,I rattled off a letter querying the amount they were asking for (making my debt justifiably queried or disputed, as per the OFT 'guidelines').


The reply I received an embarrassing use of the English language, god knows who wrote it. Poor grammar, poor structure and incorrect use of capitalisation, but that's by the by. Essentially they have classed my request for a breakdown of my account and charges as a "complaint" and said they won't provide a copy. Apparently, I need to email claims@minicredit.co.uk to get hold of that (surely they are obligated to act on my previous require by letter?).


In my letter, I mentioned I wasn't looking to dispute the existence of such account, just the amount, and until such time as I receive a copy of the breakdown and charges I won't be entering into any further correspondence. I also mentioned that I am willing to pay, just not the figure they are quoting. I obviously also informed them I was withdrawing their implied right of access to my property, had no wish to make any appointment to meeting them or their third party agents and any attempt to visit my property would be classed as trespass and harassment with a civil claim being filed against their company in court.


Needless to say the doorstepper didn't show up, however their letter states they don't pass accounts to 3rd party DCA's and will take me to court after 90 days have elapsed. Since then (in the last two weeks) I've had two more letters (from Minicredit) with £100 debt collection charge added onto the "account" for each "letter".


How then, this is clearly a bit of a joke. I'm willing to pay what I can afford. I have no problem paying the original amount plus some interest but £300 of "collection" charges for posting a couple of letters is taking the pi$$ just a bit.


What's everyone's thoughts on how to proceed with these people? I'd heard something about payday lenders now not being able to add charges after 60 days. Admittedly I was driving at the time so not paying 100% attention - if anybody could elaborate on this point and provide any further advice it would be greatly appreciated.


Before any smart alec comments, I'm fully aware this post is is a little long winded - so thanks for reading!!

Link to post
Share on other sites

DOnt worry. Nobody on here will judge you. We're not like other sites.


Minicredit are one of the worst PDL's going. As you rightly said their business practices are bordering on the hilarious. They pile on charges whenever they like and in any amount they like. They know they are not enforceable, however they hope you dont.


Send them the doorstep template and the telephone harassment letter from the library on this site. http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation


Tell them that OFT guidance states that they cannot take you to court after 90 days due to various reasons. These include not coming to a mutual repayment plan, adding on charges and interest that is not legally enforceable, and the fact that they are using the courts as a first line of debt collection.


You can safely ignore the £100 "debt collection" charge as per the reasons above.


Just write to the PDL and ask them to come to a repayment plan arrangement that doesnt leave you in further hardship. Even if it means you pay them £1 a month for the forseeable future.


Have a good read of this subforum. Then you'll know what you're up against and how to go about dealing with these "people".

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


Link to post
Share on other sites

thanks renegadeimp, I've already told them they can't visit my property and thankfully they only have an old , no longer used, payG number for me down as my contact details.


Is there any way I can make them provide a full statement of the account , after their partial refusal to do so , in their response to my letter. Surely under their consumer credit license they are obliged to respond to any such request? (I guessing here).


Also, I'm assuming when I mention a repayment plan they will try and get a load of info out of me regarding my income and outgoings, other debts, inside leg measurement, star-sign , favourite colour etc lol - surely that's not really any of their business - what info am I obligated to provide (nothing to hide, but these cowboys have really got my back up!)


Have they ever successfully taken anybody to court? I'd almost fancy letting it get to court to really lay into these sharks, watching them justify £300 to 2 pieces of a4, about 4 lines of text, 2 envelopes and 2 stamps - surely no court would deem the way they carry on as "fair" - although I've heard horror storeys about charging orders and all sorts of rubbish actually being granted at court to payday lenders. Maybe just hearsay but thought I'd ask.


Thanks again.

Link to post
Share on other sites

They cannot refuse you a itemized balance. If they do, then they are hiding something and you need to report them to the OFT and FOS, and possibly trading standards.


For an I&E they can have one, but in simplified format.


Income per month: xxx

Rent/mortgage: xxx

Food: xxx

Socializing: xxx

Water: xxx


Etc. List your high priority debts ( PDL's and the like are low priority)


Once youve done this, work out how much is left, then take your total number of low priority debts and share the remaining amount between them. Make sure you keep some cash behind as "emergency funds" inc ase you need anything during the month. Under no circumstances give the PDL any specific details about your other creditors.


They have taken people to court but have only won by default, when the debtor didnt know what to do and so didnt submit a defence. The cases where a debtor did submit a defence, along with evidence, Minicredit rolled over backwards to try and settle out of court, and even when debtors still took it to court, the PDL simply didnt show up.

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


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?

  • Create New...