Me & minicredit

[Skelly1983]

I had a loan 2 months ago with Minicredit (i know very stupid), the loan amount was £400 of which i received £380, total amount repayable is £520.

 

Between taking out the loan and the payment day i became sadly unemployed which led me to not be able to pay this loan.

 

Yesterday i received a letter in the post of them telling me that my total outstanding is now £1067 and that they will be sending DCA to my house (although i dont have a doorstep so i don't see the point in them collecting it lol), the total included the £100 fee for the DCA.

 

The correspondence prior to this was 2 missed calls from them.

 

Ive sent the Trespass Rule letter from earlier on in this thread and have printed DCA trespassing letter ready for there arrival.

 

I have also sent this by recorded delivery.

 

Also i have prepared a letter requesting a full break down of charges.

 

The contract states that the card attempt fee is now listed as £5 per attempt.

 

As I am unemployed i will be setting up a £1 per month SO till I get a job and then will pay them the remaining amount up to the total amount repayable listed above.

 

Have a covered everything in regards to this issue? as the posts that stated OPs only had to pay the original amount plus 1 months interest are old, is this still the case?

[renegadeimp]

yep skelly, youre good so far. One thing i would advise is to secure your bank account, as they will try to debit anything and everything from it.

[Skelly1983]

Thanks for your reply renegadeimp, I've already cancelled by debit card that was registered with them so they can not take anything from my account.

[renegadeimp]

Did you cancel the Continuous Payment Authority on the account?

[BRIGADIER2JCS]

More to the point I take it the new card if you have one is from the same account, if so the likelyhood is the old card will still enable them to debit the account.

[Skelly1983]

I dont know what a Continuous Payment Authority is?

 

I got a new card and specifically requested a new number as i got stung a few years ago with a dodgy company that kept billing me card each month even though subscription had been canceled, requested me card to be cancelled but all they did was send a replacement with the same number, so this time i made sure it was a different card number.

[renegadeimp]

CPA is a lesser known bank mechanic, where even if the card is cancelled, stopped, or a new number issued, the creditor can still take money because the transaction becomes tied to the account. Not the card.

[BRIGADIER2JCS]

The authority for the creditor to debit your account.

[dx100uk]

write your bank and SPECIFICALLY tell them NOt

to honour ANY payments to them, without your WRITTEN permission.

 

dx

[Skelly1983]

Did not know this existed will write to my bank straight away.

 

Just noticed that noodle credit report in your sig there dx will be signing up for that.

[Skelly1983]

What is legal amount of times a company can call phone as they have called me 26 times today, and refuse to stop calling, they think they can call me as many times as they like.

[renegadeimp]

If they have called you that much in one day, you must report them to the OFT, OFCOM and the police. Also consider issuing them a LBA. Perhaps watchdog and stella creasy MP might be interested as well.

 

Normal contact is 1 call a day during business hours.

[Skelly1983]

thanks that what i thought, informed them i was reporting them to the police and OFT and they said they will keep calling.

[Nao]

Simply update your complaints with that threat.

 

I would recommend recording all calls you receive.

[BRIGADIER2JCS]

That is outrageous 26 call over 2-3 a day is bad but this is outright harassment so send the following letter by recorded delivery addressed to their compliance manager marked private and confidential.

 

Ref: as on their correspndence.

 

Dear Sir or Madam.

 

Formal Complaint/Telephone Harassment.

 

As of this moment on 09/10/2012 your company has telephoned my home 26 times and on other days I have been contact at least x times a day this not only unfair and unreasonable but is causing me incredible stress and I am now terrified to answer my own phone, this action by your company now amounts to harassment of the worst kind.

 

I demand that your operatives are instructed that NO further telephone calls are to be made to my number at any time or for any reason, I require your written confirmation that you have complied with my wishes within 72 hours of the date of this letter.

 

I am now preparing a report to the Telecoms regulator regarding the misuse of the telephone system, also I am making a complaint to the OFT regarding this obvious harassment and will comment on your companys fittness to hold a Consumer Credit Licence.

 

As you are aware the matter that these call relate to is in dispute and your company should cease collection activity until the dispute is resolved.

 

Your conpanys conduct is unbelievable considering the tragic out come that has resulted due to similar harassment, on advice I think your company should make a gesture of compensation because of this unwarrented intrusion in to my life I have been advised that a sum of £500.00 is reasonable considering the effect that this has caused on my family life.

 

I have also been advised that I have recourse to law regarding the serious level of harassment.

 

This letter is sent by Royal Mail Recorded Delivery and its' receipt will be tracked.

 

They ya go Skelly get it sent, just add in the average figure for the daily call where marke x in the letter.

[dx100uk]

oh def harrassment

 

fire the letter off.

 

dx

[Skelly1983]

thanks once again brigadier and everyone else in regards to this and other thread, i will send this straight away.

[BRIGADIER2JCS]

Your welcome please keep us up to date!

[t1ger10]

put in a complaint by email

[Skelly1983]

sent via recorded delivery and also email

[Skelly1983]

Will be reporting them.

[Sillyboywyn]

Reported to the OFT now ans they have asked for extra info, just got an email off OPOS saying i owe them £625... i dont i owe them £275 and have the money waiting to pay them

[Skelly1983]

Further to my posts in regards to my issue with this company, I had sent them a letter informing them that the police will be called if they trespass on my property to get collection they did not respond top this and have now sent a second letter saying they will send DCA to my address and issuing a 2nd charge of £100 for costs of sending the DCA.

 

The first DCA did not come to my address as i am in all the time as i am currently unemployed, so the first charge is invalid since no when was actually sent.

 

This company ignores all corispondance and only calls with recorded messages, i knind of wish they did sent a DCA so i could inform them they are trespassing and the call the police.

[BRIGADIER2JCS]

If any one calls just ''invite' them to leave, should they refuse then call the police stating you fear a ''breach 0f the peace''.

 

You can also tell them their charges are nonsense and they will not be paid.

[Skelly1983]

If the send anyone will do that.

 

I have informed them several times that the charges are nonsense, did not get a response.

 

I have checked my credit agreement and the boxes for my surname and auth code that was sent to my mobile are blank, would this render the contract null and void?