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cptbloor

the company known as minicredit

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Hi there,

 

First time posting on here but i always look around CAG. glad you guys and gals have this lovely little help service

 

Im also in trouble with Minicredit which has now escalated to Opos debt collection

 

I orginally took a loan out just after i lost my job to help pay my rent,

i took a £100 loan which they charged me £20 fee for transferring the money

 

i defaulted on the loan and they email me with

"you owe us £233"

thats to start with,

 

after 2 months i recieved a letter through the post (delivered by the postman)

stating they are charging me £100 for doorstep collection.

 

.. nobody has ever knocked my door or i would have spoken the representative,

 

a month later the same thing, postman delivered letter, £100 charge added, no person knocked my door,

 

i email them 3-4 times saying i would not pay the amount they asked for

and used an idea of offering the original loan amount plus 1 month interest,

 

i had no response from minicredit....

 

3 months passed and i recieved a lovely death threat email from Opos saying i needed to pay £1062 immediatly

or court proceeding will be filed with 28 days,

 

i emailed them just now and told them to send it back to minicredit as i will not pay £1062 for a £100 pound loan

 

far as im concerned they can come collect the orginal loan amount and 1 month interest tomorrow if they want i got the cash in my kids saving account.

 

what action can anyone recommend as i feel very worried that my son's saving account may be empty by christmas 2013

 

please help me

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moved to the minicredit forum

 

have a read here

 

there is NOTHING they can do to you

 

they certainly CANNOT levy ANY PENALTY fess for missed payments etc

 

as for the doorstepper

 

if aNY bloke turns up

 

tell them to LEAVE your property

and call the police

 

NO DOORSTEPPER OR DCA are BAILIFFS

 

they have NO SUCH LEGAL POWERS

 

to demand anything.

 

have a read of this forum

 

if you owe the money and can pay

 

do itdirect via YOUR internet banking site

 

end of matter

 

dx


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