Phantom loan mini credit

[renegadeimp]

See post #4

[Carl19]

See post #4

 

 

Yes I will have to do a letter just not sure on best way how to do so? im still waiting for them to answer my email I have sent them as I really don't feel confident enough trying to talk to them on the phone

 

my bank wont do anything at moment till I get the replacement bank card

[renegadeimp]

You dont talk to them on the phone. Why wouldnt you be confident though? If what you say is true, then someone has committed fraud, and you seem to be ok with that.

[Carl19]

its just what ive read on here puts me off im not very confident on the phone and if they will try to blame me for this

[citizenB]

Righto, so you want the bank to send the "original loan" apparently taken out by someone else - back to mini credit.

 

That is fine, the bank should be able to do this for you. But there is no way you should be responsible for any interest or charges. You should contact Action Fraud as already advised - let your bank know that this is either an error on the part of Mini Credit or fraud by someone else.

 

Send a letter to Mini Credit and confirm again, this is either an error on their part or fraud. Tell them that if they don't cease with the harassment you will be escalating your complaint to the OFT and the Financial Ombudsman. Give them 7 days to respond - if they don't, then get those complaints off.

 

You should NOT speak to them on the telephone at all.

[Carl19]

Hi thanks for getting back to me, I just want to get this sorted I don't want this hanging over my head I know its not as much as other peoples on here but its scary that someone else was able to do this in my name I understand the £80.50 needs to be paid back I just want them to remove these charges/interest as that is just wrong how was I meant to pay something back I didn't even know about, if they was able to get in contact with me like they said they was trying to do could have sorted this but I don't even have a log in on their site so surely they must take that into condensation what does this Financial Ombudsman do?

 

 

thank you

 

 

Righto, so you want the bank to send the "original loan" apparently taken out by someone else - back to mini credit.

 

That is fine, the bank should be able to do this for you. But there is no way you should be responsible for any interest or charges. You should contact Action Fraud as already advised - let your bank know that this is either an error on the part of Mini Credit or fraud by someone else.

 

Send a letter to Mini Credit and confirm again, this is either an error on their part or fraud. Tell them that if they don't cease with the harassment you will be escalating your complaint to the OFT and the Financial Ombudsman. Give them 7 days to respond - if they don't, then get those complaints off.

 

You should NOT speak to them on the telephone at all.

[citizenB]

I think once your bank has reversed the loan and you have written advising this is ID theft or fraud then they will leave you alone.

[Carl19]

I think once your bank has reversed the loan and you have written advising this is ID theft or fraud then they will leave you alone.

 

 

 

I hope so I cant they wanted me to pay almost £200 in charges so all together they wanted £268.10 I know its very little compared to others on here but I should have been put in this situation

[citizenB]

The Financial Ombudsman is an independent body that investigates consumer complains about the financial industry. They can award compensation to the consumer and instruct the banks / financial institution to apologise.

 

I suggest you have a read of their website.

 

http://www.financial-ombudsman.org.uk/

[Carl19]

how long do they take to answer back, is it worth me telling them about this or will I tell minicredit first if I don't hear from them about this I will talk to this onbudsman?

 

 

this was on the letter " legal action can be taken against you if you don't make payment infull within 10 days and your account details will be referred to credit reference agencies such action will adversely affect your credit score and your ability to receive credit in the future "

 

 

is this something to be worried about?

Edited November 14, 2013 by Carl19

[renegadeimp]

Why ar eyou bothered about charges on a debt you say you dont owe? Either you are completely out of the loop here and havent read the forums, or something doesnt add up. Follow the advice already given and youll be fine.... If you legitimately dont owe the debt.

[Carl19]

Yes, thank you for all your help with this, im waiting to hear from minicredit to see what they have to say I don't know how long they can take to answer me back im not going to call them if that will cause more problems for me

 

 

does anyone know what this legal action could be they may do, will they still do that as ive sent them a email explaining what happened and waiting to hear from them?

[renegadeimp]

They have a max of 8 weeks to sort it out. They wont take ANY legal action at all, because as you said " i didnt take out a loan with them and never had any dealings with them".

[Carl19]

okay that's good then as long as they wont try to take it further then that thank you I guess I have to wait to hear from them now

[Carl19]

Ok they sent me this email back this morning whats the best way to answer back to them

 

 

Dear Carl .,

 

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.

 

 

 

We have very strict procedures in place to enable us to prevent and detect identity fraud and money laundering. During the loan application process applicants are asked to enter personal information which is then verified with a leading credit reporting agency. A unique PIN is also sent via SMS to applicants’ mobile phones (mobile phone numbers are also independently verified) and loans cannot be issued without this PIN. A high standard of care is also exercised to ensure any loan funds are sent to an account that actually belongs to the applicant.

 

 

 

When Microcredit Ltd issues a loan to the customer we have made sure that the account and sort code match the customers provided details which means that we have made sure that the loan was issued to the customer. The customer is therefore responsible for returning the funds including the interest added for the days that he/she has used the funds for.

 

 

 

If You claim that You have not applied for the loan and the funds were withdrawn from Your debit card then this needs to be proven by the higher authority. If Your bank or the Police is able to prove that You did not apply for the funds then Microcredit Ltd will claim the funds from the suspect.

 

 

 

If the Police or Your bank is investigating the theft which could prove Your innocence then as a witness we would like to help the Police during this investigation by sending all the details that we have been provided with during the registration including the IP address where the loan application was preformed from. In order to do so the Police needs to send us a Data Protection Act with a formal enquiry so we could disclose this information with them.

 

 

 

If possible could you please include the following details when writing to us:

 

1. Were your banking details stolen (and if so give full details)?

 

2. On what date did you receive funds into your account from MiniCredit? On what date were those funds stolen? Please provide copies of the relevant bank statements.

 

3. Have you reported the matter to the Police? If so when did you do this and what is the Crime Reference Number the Police gave you?

 

4. Have you reported the matter to your bank and cancelled your debit card? If so when did you do this?

 

5. Give details of any investigation carried out by your bank or the Police in relation to this matter.

 

6. If the funds remain in your account please also ask your bank to return the funds to us.

 

 

 

As soon as we have been provided with reasonable doubt that You are being pursued for debt that You did not apply for, we have the opportunity to put the Debt Collection process on hold until further notice. When we have received the proof from the Police or the bank that the funds were not used by You and were unlawfully withdrawn/used by a third party, then the debt will be written off.

 

 

 

The Police may send the Formal Request for Information to us by fax on the number 0207 138 2919 and we will provide them with the necessary information.

 

 

 

We are sorry that you have been placed in the position of raising this identity fraud matter with us and we will do our best to resolve the matter quickly and fairly.

 

 

 

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

[renegadeimp]

Ok. forget that claptrap they sent you.

Im going to ask a question, and i want you to be completely honest, as my advice WILL cause you to get in further trouble, and not with minicredit, if you dont tell the truth.

 

 

Did you take out a loan with minicredit, or have any dealings with them? Please answer honestly , we arent here to judge, and we wont make any comments. We just want to help.

 

 

If you genuinely didnt, then you MUST contact actionfraud, tell them what has happened. Once you have done that, you will gain a crime reference number from them. You can then come back to us and we can help you with a letter that tells Minimuppets straight and exactly what will happen from this point forward. Trust me. They wont be able to bluff their way out of this if it is THEIR fault.

 

Now, if you dont tell the truth about the above question, and you get actionfraud/police involved, then you could be done for wasting their time.

[Carl19]

Hi, I do understand where you are coming from but ive never taken a loan out and had no interest in to take a loan out as im not working at moment and I don't want this hanging over my head, my bank has started looking into this im just worried that who ever did this can do it again

 

 

Ok. forget that claptrap they sent you.

Im going to ask a question, and i want you to be completely honest, as my advice WILL cause you to get in further trouble, and not with minicredit, if you dont tell the truth.

 

 

Did you take out a loan with minicredit, or have any dealings with them? Please answer honestly , we arent here to judge, and we wont make any comments. We just want to help.

 

 

If you genuinely didnt, then you MUST contact actionfraud, tell them what has happened. Once you have done that, you will gain a crime reference number from them. You can then come back to us and we can help you with a letter that tells Minimuppets straight and exactly what will happen from this point forward. Trust me. They wont be able to bluff their way out of this if it is THEIR fault.

 

Now, if you dont tell the truth about the above question, and you get actionfraud/police involved, then you could be done for wasting their time.

[renegadeimp]

Ok. Contact actionfraud, get that crime number, and let me know when you do. Ill write a good letter for you to send them.

[Carl19]

okay thank you I will contact them with all information, just want this to be sorted thank you

[renegadeimp]

It will be,. You just need to stop believing what the idiots say.