MiniCredit - Opos- Drs

[eddiemasih]

Hi im a young male, and has recieved a letter from mini credit saying i took out £80 loan which now has turned into over £1,000 (which i didnt and have no knowledge of this) so went police station and was told to ignore it, which i did, then got a letter saying about people coming my house to collect my money, i told them if they come there causing trouble and the police told me they aint got the right, so i ignored them again but i replied to all there letters and even phoned and they were really rude, and recently got a final notice letter saying:

 

FINAL NOTICE OF INTENT

 

"We have been advised by Opos Limited that you have refused to make payment or agree a suitable repayment plan on your account

despite them being unaware of any reason you may have for avoiding this matter.

 

We are therefore left with no alternative but to consider your account for recovery of the outstanding balance through your local County/Sheriff Court.

 

Court fees and Solicitors costs will be added to the balance for which you are liable, plus statutory interest,

which will accrue at a rate of 8% P.A above base

 

whereby the following action will be considered upon receipt of judgement/decree:-

Arrestment/attachment of your earning at your place of employment

securing monies owed via an inhibition charge order against your property

 

We trust that you will now give this matter full attention and remit to ourselves the full balance outstanding within 7 days receipt.

 

Unfortunately should you choose to ignore this document then proceedings, if instigated, will be done so without further notice.

 

We recommend that you take this opportunity to resolve this issue

 

Should you wish to discuss this matter further you must contact within 7days receipt on

 

....................

 

this is really causing me so much stress, but im reading online many people with this problem, and was told to ignore this letter, is that right to do ?

[Bandit127]

You said in your post that you do not know about this debt.

 

Therefore the prove-it letter from the library should be sent ASAP - send it "signed for" from the Post Office.

http://www.consumeractiongroup.co.uk/forum/content.php?428-General-debt-letter-if-you-know-nothing-of-the-debt

 

Please stay off the phone to them (unless you can record their calls). They will say virtually anything to bully you in to a payment.

[eddiemasih]

well the police even told them that i have no knowledge but they said they aint recieved nothing from the police, and i told them on the phone today, prove it to me then get in touch, was that right ?

[ims21]

Two threads merged and tidied

[westfield]

Eddie,please do not worry. Send them the prove it letter. Assuming you are genuine and i have no reason to doubt you,the onus is on them to prove that you borrowed the money. All i would caution is that should the try to issue proceedings that you come here or go to cab straight away acknowledge the claim (that'd not admitting it btw )and say you will be entering a full defence