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    • Thanks for this! I'm still not clear if I'm facing more than 6 points on my license though. Can you explain any further please? When I accept the 2nd speeding ticket, will they just charge me £100 and 3 points, or will they be more severe concenquences since that offense took place the following day of the 1st offense? Similarly, when I accept the 3rd offense, will they look at my record or just charge me with the £100 fine and 3 points?
    • Yes of course. That's why it says cc:: BIg Motoring World at the bottom. Don't imagine that this solves the issue. It doesn't. He not have to force the finance company and big motoring world to accept the rejection to give your money back. I suggest that you get the letter off tomorrow. And let us know what you hear but on Friday you should then send a threat to the finance company.   Have a look what I have said here about your options and read the whole thread as well.  
    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS had poll speculation FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
    • Please go back and read my message posted at 10:27 this morning @jk2054. I didn't say that I wasn't going to provide documents, only that I will upload them to an online repo that I am in control of, and that I would share links to these. You shall still be able to read and download them no different from if they were hosted here. And, the issue I have is not so much with hosting, but using an online pdf editor to create a multi-page pdf, again I have discussed this that same message.
  • 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

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Hi Sade_k. Don't be scared, there really is no need to be. Just keep in mind that you owe £121 and no more. If they can't be bothered to respond to your email, that isn't an excuse to increase the repayment.

 

Are you in a position to repay the full amount ?

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Well they have added on a £25 charge and then today they have added another £55?! I've been sent a default notice in an email. I've asked them to reply with a method of paying the original amount as I am not giving them my new card details so they can raid my account I've had no response!i can pay the original amount but it's getting higher

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Postal order will be fine, but it will cost extra. Keep the stub very carefully as if they refuse to accept it, you won't be able to cash it without the stub. You could even scan it and keep a picture of it. (Does that sound like I don't trust Minicredit,? ah well).

Send it by recorded delivery letter.

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Ok thank you so much I'll include a letter and put that's it's the original amount and they're not getting anymore because of what you said. If after this I get any more trouble from them I'm sure I'll be posting again. Thank you so much

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Well here i was thinking this lender was playing ball, i had in an email from minicredit stating the loan was fixed no fees or interest and the loan would be passed to their collection company who will confirm a bank account where the funds can be paid into ( minicredit refused ) this is the email , also their have requested to know my income & wife income as well. I have complied by confirming mine, but not my wifes as she has nothing to do with this matter.

 

 

 

 

Opos Letter 1

Opos Ref: Client Name: Mini Credit (https://www.minicredit.co.uk) Client Ref: Amount Due: �325.00

Dear

PAYMENT OF �325.00 IMMEDIATELY REQUIRED

Opos Limited is a debt recovery firm instructed by our client Mini Credit (

https://www.minicredit.co.uk) who has advised us of a recent default with your agreement. We are officially acting on behalf of the above client to recover your outstanding balance of �325.00.

To date our client has not received payment of the above balance in accordance with the terms and conditions you agreed to, as a result a default fee may have been applied.

 

It is in your best interests to clear the full amount now. As soon as the debt is cleared, recovery action will stop and any further impact on your credit rating will be reduced.

 

Failure to resolve this matter will result in your account being escalated for further action.

You can manage your account online and make payment by going to our website www.oposlimited.com or alternatively call us on 0844 372 2128 and quote your reference .

We look forward to resolving this matter in a timely manner.

Thank you

 

Opos Limited

a: 1st Floor, Ingram House, 227 Ingram Street, Glasgow, G1 1DA

t: 0844 372 2128

f: +44 (0)844 372 2883

e: general@oposlimited.com

w: www.oposlimited.com

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Hi,

 

I am in the same position with them. I borrowed £400, I couldn't afford to repay and i've been asking for a repayment plan and they are just really horrible, they ignore my emails and call constantly. Ive refused to speak to them on the phone, they have now started calling my office and lying about where they are from to get put through to me, so then I jsut hang up.

 

I've sent the harrasment by phone letter 3 times which they've ignored.

 

they now say my £400 loan is £1839!!!!

 

I finally got this back from them today:

 

 

 

________________

A MiniCredit Claims Department member has replied to your claim, #597880 with the following response:

 

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

 

If You are requesting a payment plan then this option was already provided to You in the e-mail and also in the letter which was sent to You on the 3rd of January 2013.

 

If You are disputing the balance then this is Your right however we would then need to send Your account to our debt recovery and legal partner with the default balance of GBP1839.00. Unfortunately they will not be able to decrease the balance after we have forwarded the account to them.

 

Microcredit Ltd has provided our customers with unforeseen financial difficulty the option to fill in the Hardship Application on their http://www.minicredit.co.uk online account. With this option we would require proof of their claims of the financial hardship as we need to be certain that the loan was taken out in good will with the intention of making the full repayment on the due date. The first contact we received from You was on the 30th of October 2012 which was 46 days after the due date when You sent us a letter claiming that You want a repayment plan. All the charges until the first contact has been made by You are justified according to the Loan Agreement.

 

The balances provided to You are realistic as You are using our funds for a longer period then originally agreed on. Please bear in mind that Microcredit Ltd will only calculate the interest until the 120th overdue day. After that period the interest calculation stops. This means that even if it takes You a few years to repay the Loan then You would only have to pay four months of interest on top of the original due date balance. The penalties of GBP80.00 are also justified as You broke the Loan Agreement and did not repay the Loan on the due date. The debt recovery fee will remain as You did not contact us befire this penalty was added on the 30th overdue day. Bear in mind that we are willing to waive all of the failed debit attempt fees (currently GBP625.00).

 

Please let us know by the end of January 2013 if this offer is acceptable so we could also amend the balance before the account is forwarded. Please bear in mind that if we do not receive a reply the balance will not be changed.

 

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

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Same here, i reported them to the OFT, emailed them every day requesting a repayment plan, and now they have confirmed in an email the loan is fixed at 325.00 no more fees or interest. Did have an email from there collection debt Opos ltd stating no plan in place, so sent them the copy email as well.

 

Mini will refuse payment apart from Ukask ( not safe or debt card even worse ) , now opos ltd there collection side have the account they have quoted an RBS account so funds can be paid via bank transfer.

 

Just keep emailing every day dont give up

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My issue is that they say in there email back to me that if I dispute the amount THEY can't deal with it it HAS to be passed to the DCA? surely that can't be right, if the debt is disputed with the creditor how can they say they can't deal with it?

 

I will only repay £400 plus orginal interest, but I am not paying £1836 that is ridiculous.

 

Any advice on what to say in an email back to them?

 

Thanks

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Same here, iam only repaying the orginal loan plus 1 month interest, they refuse to accept payment via bank transfer which is not inline with rulesset out by the OFT. now i have got there bank details will be sending payment once my correct amount has been paid they can get stuffed

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This is the information from the paymnt page from opos ltd, hope it helps , i think the best method is to transfer directly not quoting any debt card to them so you control the amounts

 

The current balance of your account is £325.00

 

 

 

 

Please select one of the methods below to make a payment, always quote your Opos reference number when making a payment.

 

mastercard.gifmaestro.gifvisa.gifvisaElectron.gifsolo.gif

 

 

Online

 

click here to pay online using your debit or credit card using our secure facility.Telephone

 

Phone our automated payment line on 0844 557 8321 or to speak to an operator and make a payment call 0844 372 2128. If you are using our automated line you will need your allPay reference number which can be found at the top of your letter.Post

 

Any postal payments should be posted to Opos Limited, 1st Floor, Ingram House, 227 Ingram Street, Glasgow, G1 1DA. Please always include your reference numbers when posting a payment.Bank Transfers

 

 

Bank name: Abbey

Account Name: Opos Limited

Account No: 43530927

Sort Code: 09-06-66

SWIFT Code: ABBYGB2L

IBAN Number: GB91ABBY09066643530927Cash

 

Please make any cash payments at any branch of the Royal Bank of Scotland.

Account Name: Opos Limited

Account No: 10526682

Sort Code: 83-07-06allPay

 

Take your letter to any Post Office or Pay Point location, scan the barcode and make a payment. Please note that an administration cost of £1.50 will be deducted from each transaction.

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Hi princess they are taking the proverbial with that letter. They know their balances are made of mostly unlawful amounts, and even admit to it in regards to waiving the debit fees. However they word it cleverly so it is made to look like it is YOUR fault that all the charges were added.

 

Also remember that you are under NO obligation to even consider speaking to a DCA, although in Minicredits case, Opos do seem to be much easier to deal with.

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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  • 4 weeks later...

hi i have been sending this email at least once a day since saturday

I am writing to you to inform you that due to financial difficulty I am unable to meet this months scheduled payment.* I have had a unexpected change in my personal circumstance and I will be unable to pay the current open loan in one payment. I propose a repayment plan to assist in clearing the outstanding amount in the quickest means possible to me.

 

I propose £20.00 every month for 6 months, to be re-evaluated once the 6 months has expired. I would greatly appreciate that all charges and interest are frozen to allow me to pay back this sum as promptly as possible.

 

I would also ask that all communication is done by email or by my personal mobile phone, I will not be able to answer my mobile phone during working hours, however, if you leave me a message I will respond to this once I have finished work for the day.

I am not permitted to take personal calls at my work place and this would be frowned upon by my workplace so I ask that no calls are made to this number.

 

Can you please send me your account information so that I can set up a standing order for the payment to be made? I shall ensure that this is set up for payment to be received no later than the 27th of each month.

 

I do hope that we can arrange a payment plan to alleviate the stress of my whole situation, and to also enable the repayment of the loan to your company as promptly as my finances will allow. I look forward to hearing from you and will help in any way I can to organise repayments with your company as soon as possible.

 

Your faithfully

 

 

 

today i finnally get this reply any advice?

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

 

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 120 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.

 

Payment plans with decreased balance can only be offered to Customers who suddenly face unforeseen financial difficulties after taking out the loan. For example the Customer who takes out the loan with the intention of setting up a payment plan on the due date (the cause of the financial difficulties happened before taking out the loan) does not qualify to have the balance reduced and the payment plan set up.

 

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 have the intention of making the full repayment latest on the chosen due date.

 

According to the information provided to us at the time of applying You were having a full employment.

 

Microcredit Ltd has activated a Hardship application on Your http://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 contacted by our Hardship team member within 5 working days from the date the form is received to come to a mutually agreeable solution.

 

To discuss Your monthly payments and the repayment plan balance please contact us on 08718903015 from 9AM to 9PM Monday to Sunday. We may require documentary evidence of your financial difficulties.

 

Please bear in mind that the status of the account will not be changed until an assessment has been made by our Hardship team. All the charges will be added until full repayment has been received or until the Hardship team member has contacted You and set up an agreement.

 

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

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