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    • So ready to post this defence. Having looked at what you wrote for the other thread:   ----------------------------------- 1 The Claimant's claim was issued on (insert date).  2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980.  . If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant. .  3 The Claimant's claim to be entitled to payment of £[ total amount?]  or any other sum, or relief of any kind is denied. ------------------------------------- Is this correct and thats all?   can i attach this printed off to the claim form or must i write on the form itself?   Do i just send the defence page or the first page titled 'claim form' also?   Im going to post to the court address shown on the first page as i cannot see another address
    • There have been significant developments today, and unfortunately, they are not good.   Firstly, myself and other people that have looked at and contributed to this thread would have assumed that Lowell would have discontinued, after taking it right to the wire, however, this appears not to be the case.  It looks like they are going for it big style.   Secondly, I was reading the threads last night, a credit agreement exactly the same as mine was taken to Court and a Judge said it was enforceable and the defendant lost the case.  That knocked the stuffing out of me quite a lot.   Thirdly, and most seriously, I was having a word with my line manager at work (who is also a good friend) this afternoon.  He told me (off the record) that I was putting my job at risk if I lose the case.  Apparently, anyone who gains a CCJ is duty bound to declare it and disciplinary proceedings will follow.  I do not work in the financial sector where I know this is commonplace, but I work with confidential and sensitive information and was told that my employer will think that I am vulnerable to bribery and corruption.  Apparently they will take defaults into account, (I did have a couple of defaults when I first started), but a CCJ is a big no no.  I did not know this as I would not have let things get anywhere near this far.  I was told to get this sorted ASAP.  My stress and anxiety levels are now through the roof.   How I wished now I had just arranged that damn Tomlin Order with them a couple of weeks ago.  If I knew then, what I know now, it would have been a "no brainer".  I do not want to gamble with my job. Where I live, jobs are very hard to find.  I could end up jobless and homeless for just one "appointment" with the Judge.  I simply cannot take the risk.   So where do I go from here?  Is it too late to go for the Tomlin Order as the hearing is on Friday.  It would solve all of my problems at the moment and help me keep my job and my home.    I have no savings, no property and my reasonable expenditure is just about my income, so they could not get much out me.  Perhaps £10 a month is the maximum I could afford.  I feel now I have burnt my boats and I am at their mercy.  I absolutely hate them with a passion.  But I also hate myself, as I should have researched fully the consequences of my job.   Is there any way I can sort this mess out before it's too late?  Any ideas would be most welcome.  
    • Did you sign a personal guarantee? Have you a copy of the ccj? is it in your name or the ltd company name?   https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=Limited company ccj&oq=Limited company ccj&gs_l=partner-generic.12...23159.34137.0.36634.19.19.0.0.0.0.308.4270.0j3j15j1.19.0.gsnos%2Cn%3D13...0.10977j7667391j19...1j4.34.partner-generic..19.0.0.OY00NBTWR3U
    • Thanks dx100uk  ....  Thought not, but just checked to be sure and no neither one used ...  A parking/penalty slip, and in just the above post only.
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mac1984

Oriel Collections???

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Anyone heard of these?

 

Are they another in house collections unit of minicredit/opus limited?

 

I've had an outstanding balance of 1,336.20 in which they claim they are owed from a loan that started at 220.00 in which 19.50 of that 220.00 I never even saw...

 

I rang them and they said they will not even knock a single penny of this balance off at all... Saying it's in the T+C's etc...

 

They only offered a chance to pay back in installments and with that sum of money they are asking for they can have a pound a month from me!

 

Anyone know what to do in beating the crap out of these cowboys?

 

Thanks in advance...

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Sounds like someone acting for minicredit and trying to collect their unlawful charges.

 

You need to stop ringing them. They will say and do anything over the phone to threaten and intimidate you into paying what they think you owe. Not what you actually owe.


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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Their website looks a little suspect too. No mention of any credit or company licence number. Infact, the Oft has no record of any credit licenced company at that postcode either. They look like a normal DCA that collects for multiple companies, but there are a hell of a lot of complaints online about them.

 

Company info:

 

Company Details



Print Page. Open help text in a new window.

Name & Registered Office:
ORIEL COLLECTIONS LIMITED
CHELTENHAM HOUSE THIRD FLOOR 
CLARENCE STREET 
CHELTENHAM 
GLOS 
ENGLAND 
GL50 3JR 
Company No. 04807044




Status: Active 
Date of Incorporation: 23/06/2003

Country of Origin: United Kingdom 
Company Type: Private Limited Company
Nature of Business (SIC):
82911 - Activities of collection agencies
Accounting Reference Date: 31/12
Last Accounts Made Up To: 31/12/2012  (GROUP)
Next Accounts Due: 30/09/2014
Last Return Made Up To: 23/06/2013
Next Return Due: 21/07/2014 
Mortgage: Number of charges: 5 ( 3 outstanding / 2 satisfied / 0 part satisfied ) 
Last Members List: 23/06/2013

 

 

 

 

 

Also: http://companycheck.co.uk/company/04807044/ORIEL-COLLECTIONS-LIMITED


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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Their website looks a little suspect too. No mention of any credit or company licence number. Infact, the Oft has no record of any credit licenced company at that postcode either. They look like a normal DCA that collects for multiple companies, but there are a hell of a lot of complaints online about them.

 

Company info:

 

Company Details

Print Page. Open help text in a new window.

Name & Registered Office:
ORIEL COLLECTIONS LIMITED
CHELTENHAM HOUSE THIRD FLOOR 
CLARENCE STREET 
CHELTENHAM 
GLOS 
ENGLAND 
GL50 3JR 
Company No. 04807044




Status: Active 
Date of Incorporation: 23/06/2003

Country of Origin: United Kingdom 
Company Type: Private Limited Company
Nature of Business (SIC):
82911 - Activities of collection agencies
Accounting Reference Date: 31/12
Last Accounts Made Up To: 31/12/2012  (GROUP)
Next Accounts Due: 30/09/2014
Last Return Made Up To: 23/06/2013
Next Return Due: 21/07/2014 
Mortgage: Number of charges: 5 ( 3 outstanding / 2 satisfied / 0 part satisfied ) 
Last Members List: 23/06/2013

 

 

 

 

 

Also: (post count must be greater than 10)

 

 

So, Just as I thought, Another rogue trader... No idea what to do next... It was obvious from the outset that something fishy was going on since they are not prepared to lower the amount owed and claim further charges could be added on.

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They cannot add on any charges whatsoever. The OC can try to do it, but they wouldnt be able to justify it so they would be unlawful and unenforceable. Sadly, minicredit are well known for this. The good thing though is minicredit could be facing losing their licence very soon.


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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They cannot add on any charges whatsoever. The OC can try to do it, but they wouldnt be able to justify it so they would be unlawful and unenforceable. Sadly, minicredit are well known for this. The good thing though is minicredit could be facing losing their licence very soon.

 

So staying silent might still be my best option for now over a loan that was taken out in June 2012... It has been with Opos for about 18 months before being moved onto Oriel.

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Opos is minicredit. If they have passed it on yet again, then it is definitley suspect. Even opos normally drop the amount owing and arrange a repayment plan. But since they will likely lose their credit licence soon, theyre possibly trying to get as much money as possible.


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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Opos is minicredit. If they have passed it on yet again, then it is definitley suspect. Even opos normally drop the amount owing and arrange a repayment plan. But since they will likely lose their credit licence soon, theyre possibly trying to get as much money as possible.

 

Yes, I knew that OPOS was part of minicredit, But I didn't know who were Oriel, And also why they are also still claiming the 1300+ amount that is unlawfully owed. This is why I have come on here so I can try and deal with this as best as I possibly can in the right way.

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Opos prob just sent the original debt to them. As far as the new dca is concerned, thats the number that was sent, so thats the number you have to pay. Good news is, if they dont own the debt, then they cannot do a single thing to you apart from writing a few laughable threats in a letter.


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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Opos prob just sent the original debt to them. As far as the new dca is concerned, thats the number that was sent, so thats the number you have to pay. Good news is, if they dont own the debt, then they cannot do a single thing to you apart from writing a few laughable threats in a letter.

 

I'm not prepared to pay back 1300+ though for a 220 loan... Maybe if they say 400 and I'd pay it just to get rid of them once and for all.

 

I tried once with minicredit/opos to lower the balance quite sometime ago but they wouldn't drop below 650 or about half the balance they say I owe.

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You dont have to pay that amount. Read the minicredit forums. They are very VERY well known for trying it on to make profit for themselves. Just glad the OFT have caught on to this. The ONLY amount you owe ( unless they can prove otherwise and prove it is enforceable), is your original loan, original contracted interest and thats it.

 

Regarding the transfer fee, was it a same day transfer, or did it take a day or two?


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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You dont have to pay that amount. Read the minicredit forums. They are very VERY well known for trying it on to make profit for themselves. Just glad the OFT have caught on to this. The ONLY amount you owe ( unless they can prove otherwise and prove it is enforceable), is your original loan, original contracted interest and thats it.

 

Regarding the transfer fee, was it a same day transfer, or did it take a day or two?

 

It was a same day transfer saying that a 19.50 admin fee would be deducted from the original loan.

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So theyre calling it an admin fee? Im betting its unenforceable. How can they justify 19.50 for a same day transfer?


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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So theyre calling it an admin fee? Im betting its unenforceable. How can they justify 19.50 for a same day transfer?

 

It's either that or its a "transmission fee or drawdown fee" I cannot find anything on their website about it.

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Right, I want to make a complaint against these rogues, How do I go abouts doing it?

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Well you can make one to the oft that will get added with other complaints. Fos wobt get involved until you get a final response from minicredit or 8 weeks elapse since you started the complaint; whichever comes first.


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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Well you can make one to the oft that will get added with other complaints. Fos wobt get involved until you get a final response from minicredit or 8 weeks elapse since you started the complaint; whichever comes first.

 

Where can I obtain information on the breakdown of my debt, I may have to wait until they decide to take me to court, I'm prepared to fight the debt that way.

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You ask the creditor for the breakdown. They cannot say no, although they will try and give you an incomplete statement. I think your best bet to find out exactly what has been going on is to send a SAR. It costs £10 but they are legally required to fulfil it. If they don't, then you can take them to court for disclosure and comp.


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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Just had this letter:

Opos Ltd in respect of Mini Credit

Outstanding Balance - £1,336.20

 

Dear Mr.X

 

Oriel Collections have been instructed by Opos Ltd in respect of Mini Credit to recover the above outstanding debt.

 

Our Client has advised that this balance has been outstanding for some time. Oriel would like to discuss this matter with you and help resolve the situation. You may already have been contacted about this and we now need to resolve the situation with any further delay.

 

It may be possible for Oriel to reduce the balance owed and we would very much like to discuss this with you, but please not this is only possible if you contact our agents with delay.

 

(Rest of letter is just details on how to pay and phone numbers)

 

:-x

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Ignore. Keep pushing minimuppets/Opos.

 

if you want to tell this silly DCA anything, tell them the debt is still in dispute. Dont give them anymore info than that.


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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Update...

 

This thing is in a complete stalemate. Decided to take your advice of ignore and it appears to be the best way to beat these if you don't give a damn about getting future credit.

 

This was passed back to Opos then to Kapama and then back to Opos. Recieved assignment email back in January and now just recieved an email from Opos asking for immediate payment which I am going to continue to ignore... This is nearly 18 months since it went to Oriel collections. I don't see this getting resolved at a reasonable amount for quite some time.

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More emails... Ignored

Phone calls... Ignored

Even a letter recently which is the same as one of the emails... Ignored

 

This has been on going for over 3 years now with still no sensible resolution to payback a reasonable amount to the £220 short term loan and this is now the only payday loan I have outstanding. Just a little frustrating this isn't going anywhere anytime soon. How I wish the FCA ruling of never pay back 2x doesn't apply to pre-2015 pay day loans I would of been happy to pay £440 to just get this over with.

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I am in the same position with minicredit

stalemate for the last 3 years

£3200 for a £500 loan

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I am in the same position with minicredit

stalemate for the last 3 years

£3200 for a £500 loan

 

It's things like this is what is potentially stopping me from securing a 0% balance transfer deal with Barclaycard, They do 18 months at 0% for 'average' credit history and yet of course I get declined when in fact it would help me in a great deal to pay off existing debt on my Vanquis & Aqua accounts. This is the only thing that is holding me back now.

 

Default registered for 2015, When in fact it's in 2012.

 

All other payday loans were paid off between 2012-2013, with the exception of Wonga who wrote the entire balance off.

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if you have other PDL's at the time

and lots of other credit too

 

 

why not complaint about irresponsible lending?

 

 

if they don't help

goto the FOS about it.

 

 

no good sitting on a forum waving your arms and doing nothing.

 

 

move it forward yourself.

 

 

dx


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