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Minicredit Advice - JOKERS!


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i checked my credit fine and saw an entry from microcredit for £500 back from 2012.


I didnt not reconise the debt so i sent off the standard CCA letter with enclosed fee ect..


I got a letter back yesterday from micro credit. No signed agreement or statement as requested.. Just a load of junk advising i should go to the police if i think that someone has taken out the application in my name as it could be fraud.. bla bla bla..


anyone else received such a response?

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Minicredit are very well known for doing things like this. Are you 100% positive you have NEVER had any dealings with minicredit in any form? If so, we can advise on the next course of action.

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


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  • 9 months later...

hello all,


long time since i posted here. Ill cut to the chase.


I recently obtained my credit file to see i have a few payday loan companies have defaulted me on there. These are from many years ago and i am now taking responsibility for my stupidity.

I am all taking responsibility for these debts but some of the addons are outrageous ( particularly MINICREDIT) so i have decided to try my luck with CCA requests firsts and see if i can get some headway.


So i sent off the standard CCA template to all the companys with my £1 and recorded delivery and had a few letters back. Pretty basic reply i believe but i need some advise on where to go from here and what actions to take.

I will shortly be posting each reply letter and if i can get some advise on how to respond that would be fantastic. Im doing everything i can to clean up my credit file and so far going very well, im actually starting to get accepted for things again ( phone ect)


so anyway thanks in advance!


Here is the first one from MEM.. This is the first page of the letter, the rest was just t&c with no signature or electronic signature on the document what so ever. They also sent a breakdown of accounts.

Any advice would be great on how to respond



link below



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