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I'm new to this so hope i'm doing this correct. Got into bother with a couple of payday loan company Minicredit, capital finance one & wonga. I have kept all documents ie: e-mails, letters so forth concerning all communication. Now just recieved a phone call from mackenzie hall stating that i owe £1824.00 to minicredit for a £400 loan.

I told them that i don't agree with this amount & would contest it. i said that the most i was willing to pay was £700. have i dug myself in deeper, & would anyone like to give me some info please.

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You dont owe it. It's pretty much a [email protected] that they try and do by adding on unfair and unlawful charges. Most people who dont know their rights think they are legitimate and pay them. You havent dug yourself in deeper at all. Infact you have done the right thing.

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


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Minicredit always back down in the face of facts like they did with me

45k Debt - June 2016

35k Debt - May 2018

24k Debt - April 2020


The battle is slow but I will win the war

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