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    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
    • Hi. Please don't follow McD's advice to contact Met to appeal. They won't listen and you could end up giving them helpful information. HB
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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hello and Question Minicredit.


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Hello everyone, I'm new here and have a question to ask about the payday loan company, Minicredit.

 

I applied for, and successfully received, a loan from this company. I have been unable to pay the loan and thus the charges have begun.

 

The thing is this: there is no record of Minicredit sending me a loan agreement via email or post, nor is there any evidence of one when I log in to my account on their website.

 

I am currently in the process of adding this debt to a dmp (through issues with depression, this is one debt of a few) and was wondering what I can do.

I am of course willing to pay back what I owe, but only at what I can afford.

Any answers will be appreciated. Many thanks in advance.

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Hello and Welcome, BlackEyed.

 

I have moved this thread to the appropriate Forum, you should get some help shortly.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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i hope all your debts SHOW on your CRA file

 

and

you've reclaimed ALL PENALTY fees an PPI

 

and

 

i hope the DMP is not a fee paying one either?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Just to update:

 

Got an email from Minicredit saying that my balance currently stands at £352.60 (they have added 25 and 55 to the initial 247, plus whatever interest). I haven't replied to it.

 

I did, however, send an email to them about my mental health issues and how I am willing to pay back the £247 that I owe them and nothing more.

 

I am going to be speaking about all this to my dmp advisor tomorrow and have been referred to a local financial charity by my Mind counsellor.

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Hi,

 

Make sure it's a free DMP company, hopefully your Mind councellor would have advised you of this and please let us know how you get on.

 

Good luck with that.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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I have a question:

 

Minicredit did not send me a credit agreement at any time during the loan period, nor does it show up on my account on their website. Anybody have anything to say about this?

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So yeah, I sent this email to them:

 

I writing to complain about the charges you are placing on my overdue loan.

 

I would like to outline straight away that I am of course willing to pay off what owe you - this being the sum of £247.

 

However, your practices do not adhere to the guidelines of the OFT.

To start, you did not send me a loan agreement via email or post, nor does it show on my Minicredit account. I am supposed to have a copy of the loan agreement and you have not provided me with this.

 

Also, I will be forwarding this debt to a debt management company and - again adhering to OFT guidelines - you are not allowed to refuse any payment plan that is offered to you if it is more than I can reasonably afford.

 

I have read stories about your company using to heavy-handed tactics to get money out of people, but being aware of all of these, if you are to threaten any of the actions that I have previously read about then I will make a complaint to the relevant institutions (namely the OFT and the FOS).

Again, I am of course willing to pay back the money that I owe you.

I have been seeking advice for mental health issues which are to blame for my taking out of payday loans - all I ask for you to be helpful in the process of my debt management plan.

 

Unsure whether it was the right thing to do now. I was rather emotional at the time.

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  • 1 month later...

Kaboom!

 

Unfortunately I have not gone the conventional route with these people, so I don't think I will be of any help to anyone.

 

I paid them £100 thus far and they are willing to acceptment settlement of the rest of the debt (around £200 - I have conceded to pay one default charge) by the end of the month.

I spoke to them by phone and have received email confirmation that this would be fine and no doorstep collectors will be coming to my house (yeah, I had one come around but I wasn't in). I told them of my mental health issues and they have stopped calling and emailing me. I also mentioned I would be complaining to the OFT regardless.

My other debts have also been successfully to my dmp, which is another relief. So I think that I am nearing some kind of stability.

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Can you post the wording of the email minus any personal info? The wording of the confirmation must be specific as they are well known for taking settlement, but only marking your account and credit record as part settled. This allows them to sell on any remainder of the debt to someone else who wants some easy cash.

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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The email reads:

 

Thank You for the information!

The payment of £100 is accepted and the doorstep collection is postponed to 30 days. Every partly payment postpones the doorstep collection actions for 30 days. You will pay 203 on 20 july 2012. This will be the full Repayment on your loan.

 

.Kind regards

MiniCredit.co.uk

Client Support Team

 

I paid them today and my account now says that the loan has been repaid. I asked them to close the account too.

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Just an update to my asking them to close my account:

 

As the outstanding loan was repaid today 20/07/12 with a settlement of £303 Your MiniCredit.co.uk account is now closed.

 

 

 

Kind regards

MiniCredit.co.uk

Client Support Team

 

DONE

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Have you made sure that they arent going to pass the remainder of the debt on? You want it Fully settled with no possibility of continuing.

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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Have you made sure that they arent going to pass the remainder of the debt on? You want it Fully settled with no possibility of continuing.

 

I sent them an email asking them to make sure that I wouldn't be contacted any further by them or a third party regarding this debt and the above is what the replied with.

 

They also sent me an email asking to apply for another loan!

 

EDIT: I just called them and recorded the call, asking them to make sure that neither they nor any third party would contact me regarding this debt. The woman on the other end said yes to everything - "there will no contact about this debt anymore" "no claims against you".

 

Chalk it up, I think,

Edited by BlackEyed
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hi i took out a loan and for £100 which £80 went in my bank fell behind due to loosing my job now they want nearly 600 back said they are sendind a debt collector round to my house ???

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start a new thread

 

see below

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Sigs dont work properly in this forum DX :D

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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C
redit
R
eference
A
gencies
:
Experian
Equifax
CallCredit
noddle

 

Sort Your Debts Now - Follow this excellent guide-
here

 

1. Single Premium PPI Q&A
Read Here

2. Reclaim mis-sold PPI
Read Here

3. Reclaim Loan & Credit Card Charges
Read Here

4. The CAG Interest Tutorial
Read Here

5. Feel Bullied by Creditors or Debt Collectors?
Read Here

6. Staying Calm About Debt
Read Here

7. Thinking of a Full & Final Settlement?
Read Here

my views are my own...seek legal advice if ness

NEVER EVER
- act on a private message asking you to visit another website, make contact 'off list' or by telephone

-
alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message -
Particularly if this results in a request to pay a fee to help you.

rather than hittting to be my friend - hit the star

DX

Siteteam

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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