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Hello. In early November i took out a £100 loan from MinniCredit.

 

Sadly in late November i lost my family, so as i needed every penny i had, i put the debt of £150 pounds into my girlfriends debt management plan.

 

I was not contacted by anyone up untill january.... when Opos called me saying i owed them £2,000 as i have committed fraud.

They would not listen as i attempted to inform them that i lost my house. Only they kept going on about how, when i handed them over to a Debt Management plan so fast means i have committed fraud. My girlfriend took a £100 loan out on the same day i did. and it was handed over to Debt Management on the same day also.... Yet isnt being accused??

 

I have a feeling they have just pulled my name out of a hat and hoped id panic and pay them?

Surely this is illegal.... Do i just let them take me to court as im pretty confident they dont have a leg to stand on?

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Hello there.

 

Have they stated that you have committed fraud in writing?

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No.... But then they wouldnt listen to me tell them that i dont have a permenant address. So i wouldnt know.

 

Thankyou for reply

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They shouldn't be accusing you of fraud as fraud is generally criminal rather than civil. In short - it's not for them to accuse you.

 

Have you tried to arrive at a reasonable repayment arrangement with them?

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No. I refuse to pay £2,000 to them. thats way over their interest rates. I said if they drop it down to £600 (which is still over their rates) i would pay back £50 and month, which is more than enough. But they refused and demanding the £2,000 in full

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|Have you considered a formal complaint via the Financial Ombudsman Service?

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Hi this is very common for minicredit and opos. I have lost count of the number of posts i have seen where they have accused someone of fraud.

They did it to me because i stated i was single (been separated for 10 years) then wrote to them saying sorry i haven't been in touch as i found my wife dead.

 

Minicredit will be one of the pdls who have been given 12 weeks to clean up their act by the Oft.


Any opinion I give is from personal experience .

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Minicredit will be one of the pdls who have been given 12 weeks to clean up their act by the Oft.

 

Without a shadow of a doubt :)

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Excuse me while i just go and have a little cry. so sad.so very sad.


Any opinion I give is from personal experience .

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Twelve weeks will soon be up ...then you can check their compliance file ...then hopefully laugh at them with a letter to state you have no licence anymore :lol:

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Tell them they are accusing you of criminal activity and you have recored the call. You are going to sue them for defamation.

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Tell them they are accusing you of criminal activity and you have recored the call. You are going to sue them for defamation.

 

A) They haven't (directly) accused the OP of criminal activity

B) It's only defamation if they had told a third-party a mistruth about the OP.

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I am in the same situation and today I have received a letter from Opos with a NOTICE OF INTENDED ACTION. My original £200 loan has now increased to £1,946.00 and they are demanding full payment otherwise failure to adhered to the notice will result in my account beiing passed to a DRS for further action where enforcement action will be considered in the event of a decree/county court judgement being secured against me, which will include my employer receiving an arrestment/attachement order or an inhibition/charging order on my property. I am passing the letter onto my Debt Management Company but I am still concerned/worried. I have no intention of paying back the amount they are asking for, but I don't know how to go about informing them of this as although I am with a DMC, I don't think they will fight my battle with Opos/Minicredit and get my balance reduced. So do I deal with them myself and tell them I will only pay the amount of the initial loan + 1months charges and will pay this back over so many months e.g. set up a repayment plan. This whole situation is really stressing me out and if I knew when I applied for the loan, how much I would end up paying, I would never have used Mini Credit. Any advice would be greatly appreciated.

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They will never pass it on to a court. Ever. if they even tried, you can shut them straight down with a simple defence.

 

Everything else they said is empty threat designed to make you pay them.

 

Notice the liberal use of may/consider etc.

 

Get it to the OFT in a full complaint, as in 3 months they could be shutting down a lot of PDL's.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Why wouldn't your DMP company deal with them? It's very low priority unsecured debt!


It never rains but it pours...

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Many dmp's are refusing to deal with certain PDL's due to the business practices the OFT are talking about.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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My own (Gregory Pennington) dealt with most of my PDL debts, they tried telling me to deal with PDE on my own. I took their advice.... Left the plan and dealt with the rest myself also saving me £xx a month!


It never rains but it pours...

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My own (Gregory Pennington) dealt with most of my PDL debts, they tried telling me to deal with PDE on my own. I took their advice.... Left the plan and dealt with the rest myself also saving me £xx a month!

 

My dmc are dealing with opos/mini credit to a certain degree but I don't know if they'll get them to reduce the balance and there's no way I'm giviung them nearly €2000 when the loan was only for €200

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They will never pass it on to a court. Ever. if they even tried, you can shut them straight down with a simple defence.

 

Everything else they said is empty threat designed to make you pay them.

 

Notice the liberal use of may/consider etc.

 

Get it to the OFT in a full complaint, as in 3 months they could be shutting down a lot of PDL's.

 

How do I go about complaining?

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How do I go about complaining?

 

You can find complaint forms to download on both the OFT and Financial Ombdsman websites.


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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Many DMC s will deal with PDLs but will just pay what the pdls say is owed. I have a bunch of emails from minimuppets but i don't want to go to the fos at the moment as they have gone very quiet since i sent kristel a love letter threatening to have her in court. Might send an email to the OFT though.


Any opinion I give is from personal experience .

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Hi Fletch,

 

Can I ask, why don't you want to go to FOS?

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Only because they have gone quiet and i am not sure i can stand more of their harassment. I do have all of the emails saved.

Usually i am quite strong and have taken Mem to fos. Just not at the moment.


Any opinion I give is from personal experience .

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fletch,

 

Your call entirely about going to FOS. That said, in my limited experience Minicredit/Opos are unlikely to listen to an individual and although they've gone quiet for now, are you sure it'll last?

 

38 complaint cases were submitted to FOS from 1st July - 31st December 2012. Of these, 87% were upheld in favour of the complainant - the customer. Minicredit will be charged the investigation fee, and are solely responsible for any redress they make to consumers. No charge to you, the only cost is your time.

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I know what you are saying. The desired outcome would be that they petition me for BR. I currently have no money etc. Saying that maybe i should print off all the emails and start a complaint. The allegations they made were totally unfounded. Of course if i was offering opinion to anyone else i would say go for it.


Any opinion I give is from personal experience .

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