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minicredit/DERS - help

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Re: Minicredit/Opos

 

Just had a call from DERS regarding my Minicredit loan.

 

First it was Opos now these muppets!!

 

Made out it had
jus
t been brought to his attention that my account was in default

and that he was prepared to do me a big favour,

even though he shouldnt be, and that he would accept £5 a fornight.......

.....there was a catch though...

 

...only on the provision that i gave them my debit card details!!!

 

I said i didnt want to but i was more than happy to make alternative payment arrangements,

pretty much as i had been doing so with Opos,

making a direct payment into their account,

 

but he said that he had to have my bank card details or no deal!!!

 

I asked him for his contact details, which he gave,

but he said that if i didnt agree there and then, then the offer to accept lower payments would be revoked

and they will send someone round to my property!!

 

What do i do?

 

did i do right in refusing my bank card details?

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Yes don't get involved in a CPA with these people, you would regret it, standing order safest so your'e in charge.


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they point blank refused to offer me any other ways to pay them so they ended the call on the final note that a DCA would call at my home.

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Ohhh big bad man in dirty mac he come you tell him go forth and do not return.:madgrin:.

You don't haveto deal with them or talk to them.

You have made an offer to pay they have refused so they are in the wrong and are the loosers.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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yep.

 

DCA's have NO LEGAL POWERS

they ARE not BAILIFFS and never will be

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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the guy said that they will take me to court,

of which they do not have to provide me with any papaerwork and they will do the case in my absence,

as it is a non-defendable debt and i dont need any paperwork and that they can apply for an attachment against my disability benefits

- is there any truth in any of this?

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I don' t suppose this was recorded as it's all total nonsense!!

Threatening a vulnerable person!!

 

Empty threats to frighten you so stay off the phone ignore them if they call again.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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the guy said that they will take me to court,

of which they do not have to provide me with any papaerwork and they will do the case in my absence,

as it is a non-defendable debt and i dont need any paperwork and that they can apply for an attachment against my disability benefits

- is there any truth in any of this?

 

none!!

 

what bowlarks.

 

sad that wasnt recorded!!

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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sadly i didnt record the call,

was kinda caught off guard as it was a private number a

nd i thought it was somebody i knew ringing me.

 

I am so fed up of these people,

 

i have had 3 other loans with them and have paid them all off well within the alloted month they were due

and now that i have an issue with this one,

 

they are just such mean and nasty people.

 

The loan was £130 and they are demandinfg £1200!!!

 

I have sent them an income/expenditure letter,

offered a nominal monthly payment yet they just dont seem to have any consideration for people genuinely having financial issues.

 

If you go on the website of 'opos' and 'minicredit' they go on about customer satisfaction

and always strive to achieve a mutually beneficial solution should there ever be a problem

- what a load of **** that is!!

 

It has made me so ill with my nerves that i am on the miximum dose of prozac a day and am having to go for a counselling assessment.

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own thread created

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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The fact it was a private number is wrong as well. Numbers should be identifiable according to oft


Any opinion I give is from personal experience .

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