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OPOS How much do I really owe?

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I was stupid enough to take a loan with Minicredit a while back. It is now with their in-house dca OPOS.


I borrowed £100 but apparently I now owe £975.


I've been playing email tennis with them for a few months now.


I told them I would only make payments to the original amount plus interest which comes to £245.


They said they would accept this amount as a F+F if it was paid within 14 days.

I couldn't to pay it all at once so they are insisting on having the lot.


The rest of the amount is made up of £80 penalties,

£100 debt recovery and

£640 debit attempt fees!


They charge £5 every time they attempt to take money from your bank account!


As well as all this, I checked my credit file today and the default registered is for £440.

Thanks for any advice.

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These companies ca charge penalties/fines, the £640 is outrageous 128 attepts to debit the account i would want proof of that figure.

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