Minicredit Accusing Me Of Fraud

[J2012]

I had a payday loan with Minicredit due out on the 1st of this month.

I contacted Minicredit via email on 2 seperate occasions a few days after my repayment date stating that I would need to setup a repayment plan...I recieved NO response to the 2 emails I sent to two different email addresses I found for them online including their own internal email address on their website.

 

They then removed £50 from my account around a week later which I requested be reversed by my bank to which they agreed and credited the funds taken.

 

After finding another email address for them online I requested yet again that I setup a repayment plan to which I recieved this response

 

Dear XXX

 

A MiniCredit Claims Department member has replied to your claim, # with the following response:

 

 

The following response is being sent to You according to the Formal Complaints Procedure.

 

 

 

Microcredit Ltd (trading name MiniCredit) has received a chargeback regarding the payments debited from Your debit card.

 

 

 

We would like to remind You that by signing the Loan Agreement You have authorized Microcredit Ltd to debit payments from Your Bank Account using the debit card details registered with us.

 

 

 

It is considered fraudulent behaviour to file in a chargeback when You have registered and received the service regarding which the payment has been taken. We have no alternative but to forward the information regarding Your fraudulent chargeback to our Legal department and also report Your illegitimate actions to the National Chargeback Register. The National Chargeback Register will provide information to other Companies and will severely reduce Your ability to receive credit or other services in the future.

 

 

 

We advise You to immediately contact Your Bank and withdraw the chargeback claim to avoid further Legal proceedings.

 

 

 

We hope this response has sufficiently answered your questions. If not, please do not send another email. Instead, reply to this email.

 

Kind regards,

Minicredit Claims Department

 

Can you tell me if what they are saying is correct and the best way to proceed please?

[citizenB]

Hmm, no I don't think they can accuse you of fraud. However, I am sure there will be others more experienced with PDLs who will be able to advise.

 

I see you have asked to set up a repayment plan, therefore I would say they are not behaving very correctly.

[J2012]

I have the saved emails that I have sent attempting to arrange a repayment plan and this is the first time I have recieved a reply but in the reply it mentions nothing regarding my mention of setting up a repayment plan.

 

I believe they took 3 seperate amounts which added up to £50 on a date well after the agreed debit date

[J2012]

And thank you Citizen for the reply

[citizenB]

Had you spoken to your bank about stopping the Debit ? If so and the monies were taken after that, then bank are responsible for refunding.

[J2012]

I called the bank after I realised they had debited my account around a week after my due date for my loan had past...I called the bank and told them that I have been trying to setup a repayment plan with them and they should have taken that money on that date...The bank then credited the money pending enquiry

[renegadeimp]

Get that letter straight to the OFT and trading standards. That letter breaks every rule in the book and is designed purely to intimidate and scare you into meeting their demands. Don't put it off until tomorrow. Do it now.

[J2012]

Thank you Renegade

 

I will get it printed off and sent off tomorrow as I have a printer in work I can use.

Should I contact them further in the meantime or stay silent until I recieve contact from the OFT?

[renegadeimp]

Tell them that due to them accusing you of fraud, you are now taking legal advice and will also make a full report to the OFT with a comment on their fitness to hold a credit licence. Due to this, you will no longer be communicating with them until advised otherwise for a period of 7-14 days. In a week or two, we can send them a carefully worded letter that will get them off your back.

[shamone21]

OP have you got an update relating to your progress with Minicredit? I am in a very similar position and have also been accused of fraud. I actually applied for the loan a few months ago and its only recently that my bank has reversed the funds hence the angry letter from Minicredit.

 

Does anybody have a contact e-mail for Minicredit other than the standard ones which give template responses. Someone has mentioned an e-mail address for a specific Minicredit employee (I think head of collections), for the life of me I can't remember where I saw it!

Edited May 14, 2013 by shamone21

[pat1421]

Start complaint procedure as explained on their website. Write your formal complaint to [email protected]. Then you have fos and oft.

[renegadeimp]

You MUST complain to the OFT if they are accusing you of fraud. Technically they have overstepped the boundary into illegal activities now. People say to get a complaint through minicredit, but thats just to cover your back, as they are very well known to completely ignore you.

[J2012]

I have now recieved this despite multiple attempts at setting up a repayment plan

 

The original debt totalled £185 and now stands at £518 apparently

 

Dear Mr XXXX

FAILURE TO RESPOND

Unfortunately we have still not managed to resolve the outstanding balance of £518.00 with Mini Credit (

https://www.minicredit.co.uk) despite several repeated attempts to contact you.

 

This is not a circular. Please contact our offices immediately 0141 375 7403, email us at [email protected] or make payment and manage your account by going to our website www.oposlimited.com (PIN:1XX) and quote your reference OP518XXX.

Failure to do so will impact your credit rating. This may affect your ability to obtain further credit in the future, including other pay day lenders.

We are sure you want to resolve this matter and we look forward to speaking to you soon.

Thank you

Thank you

Opos Limited

a: 1st Floor, Ingram House, 227 Ingram Street, Glasgow, G1 1DA

t: 0141 375 7403

f: +44 (0)844 372 2883

e: [email protected]

w: www.oposlimited.com

Please consider the environment before printing this e-mail.

Company Reg SC338837

If the information you are accessing does not specifically relate to you then you may be in breach of the data protection act by accessing it.

LEGAL NOTICE: The information contained in this communication is confidential and may be legally privileged. It is intended solely for the use of the individual or entity to whom it is addressed and others authorised to receive it. If you are not the intended recipient, please notify the sender immediately and you are hereby notified that any disclosure, copying distribution or taking of any action in reliance on the contents of this information is strictly prohibited and may be unlawful. The document and any attachments are not guaranteed to contain no computer viruses and you are advised to check for such viruses before downloading. Opos Limited is neither liable for the proper and complete transmission of the information contained in this communication nor for any delay in its receipt.

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[J2012]

I have replied to Oposlimited whoever they are and to mini credit with the following

I am absolutley sick of being ignored

 

I am emailing again for the 3rd time in a final attempt to setup a repayment plan with yourselves (Minicredit)

 

Minicredit have constantly ignored my offers of setting up a repayment plan and if this email leads to yet another failure of communication I will consider the debt written off.

 

I request you remove ANY interest or charges on my account and reset the amount owed to £185

 

I have attempted to make arrangements in order to pay this debt but as per usual you are putting obstacles in my way.

 

I am offering £25 per month via standing order starting 1st June

 

Please email back accpeting this offer and confirming all interest/charges will be frozen and removed providing the repayment plan is met

 

Regards

 

xxxx

 

I dont know what else to do....

 

On a side note I have a outstanding debt with 247 moneybox but they havent even emailed me to tell me the loan is due they have just pilled charges on

[renegadeimp]

Ignore them. Opos are minicredit. They just use a different name.

[J2012]

Jokers

 

-- do not edit --

 

Dear XXXX

 

A MiniCredit Claims Department member has replied to your claim, #269902 with the following response:

 

The Following Response is being sent to You according to the Formal Complaints Procedure.

 

Microcredit Ltd has allocated Your account to our Debt recovery and Legal partner Opos Limited as You have acted against the Loan agreement and performed a chargeback for the payments received from Your debit card towards the outstanding balance. Please contact them to set up a payment arrangement.

 

 

 

We hope this response has sufficiently answered your questions. If not, please do not send another email. Instead, reply to this email.

 

Kind regards,

Minicredit Claims Department

 

I have sent the same email to these other people also so I will wait and see