Mini Credit Help Please

[Cyril901]

In 2011 I was getting married, and was short on £100 for the wedding photos, so decided to try a payday loan company, I ended up with minicredit.

 

Well they sent me the money - £19.50, which was not on the website,

As soon as the money was in the bank, I sent them the following email

Good evening

 

Can you send me your cancelation details, under the distant selling regulations, as I did not expect you to take £19.50 from me, also I do not see on your website, you do that.

Also I have noticed there is a lack of information informing me of said charge, and also a lack of information informing me of my right to cancel within 14 days.

Many thanks

 

 

And got a basic auto reply

anyways a few more emails went by, and a few letters recorded, to the address on there contract.

 

 

And heard nothing, I offer to repay the 80 odd they put in, as I terminated the contract within 14 days, more like within 14 mins

 

 

and still nothing, now the debt is £900.00, I have sent 3 letters around 15 emails, and nothing from them, I have kept all emails, and still have the post office stubs, I was informed they were sending some one round, and also they were going to phone my boss, about my loan, so had to take a week of work unpaid, to sit and wait in, I also sent them the do not come round letter, all to no avail.

 

they never sent any one, so I ended up wasting a full week, and not getting paid.

 

 

Where do I stand, and what can I do.

 

 

Please help

 

Please forgive The English, Im very tired, and stressed

 

Oh and to add to all this im now getting demands from a company called hellix, about a minicredit loan for a poor lady who I have never heard of or met in my life, they have given me her name and told me her email, and what her sons full name is, and also that she is a company director.

 

real cowboy firm

Edited March 20, 2014 by Cyril901

[renegadeimp]

hey there. Take a few and read the minicredit forums. You'll see that they love to add on unlawful charges which would never stand up in court. They then harass and intimidate you until you give in and pay them.

 

The best thing you can do now, is get a FULL complaint in, but address it to their compliance director and mark it private and confidential. Regarding the harassment you have had from them, perhaps take a look at the Harrison vs link case , as you are clearly being harassed. They are also not allowed to phone your work at all. This is a scare tactic which you unfortunately fell for. As is the threat about a debt collector visiting you. They do NOT make home visits and if they tried, you can tell them in any way you prefer to get lost.

 

You REALLY need to get that complaint going, and also file complaints with the regulators. Depending on the outcome of the complaint ( i think they have 56 days to respond with a final response), you can take it further or consider court action against them. You MUST do everything possible before then though if you decide court action.

 

 

Sadly with minimuppets its a long and tiring process to get them to run off, but with persistance you will win. last time I helped with minicredit, they ignored everything including formal complaints with the regulators. However, they soon were rolling over when a MCOL claim form landed on their desk.

 

 

If you feel like you're ready for a fight, we can help you. Post up a version of your complaint, but make sure to redact any personal info. We can give it a look over and give you better wording if possible. There are various ways to deal with this, but as i said, the first step is a full and formal complaint, and you really need to ignore their silly threats, but make sure you keep any evidence of them, so if you have to head to court or the regulators to stop them, you'll have a nice evidence trail which they will be unable to counter.

 

 

real cowboy firm

 

Ohhhh, if only you knew

[Cyril901]

I did infact send them this

 

To whom it my concern

 

 

Treat this as a formal complaint issued against said company.

 

I had taken a loan out with you for £100.00 on the 17 December 2011, to which you put in my account £85.00 after charging me £15 for the pleasure of using your service, at no point on your website was the fee made clear.

 

I then sent you an email dated 17 December 2011 at 17:28 to support@minicredit informing you that I was withdrawing from my contract with you, and under the 14 day distant selling regulation, which is clearly the email I should use as stated in my contract at the time, to which you sent me a reply 17 December 2011 at 19:33, informing me to use an alternative method that did not give me any form of written proof that I had cancelled, to which I refused, and sent you a second email informing you yet again that I was withdrawing from the said contract, and again use the email address clearly stated in my contract, the second email was sent at 20:33 and was also sent to a second email to confirm the email rely was working. I also requested your bank details so I can pay back the money you put in my bank plus £1.00 for interest, again clearly marked in the contract, to which you have refused to respond to. On the 29 December you then decided to send me a default notice, and tried to levy a penalty charge, on a none existent credit agreement we have, I then decided to sent you yet again another email dated 29 December 2011 at 09:31 which again you refuse to respond to, and again you then decided to try to levy a second penalty charge on the 31 December 2011.

 

You have also sent a few reminders on a credit agreement which we are no longer tied into, but the best one you sent was informing me that you would be calling my boss regarding said loan, which is utter rubbish and which I informed T/S of said email.

 

On the 22 February I sent a formal complaint to claims@minicredit, which gives you 24 hours to respond, which again you have failed to do so, and again a second email on the 23 February which you again have failed to respond to.

 

I have also sent you two letters now one BA34YF and the other to SE11 XU and they were sent on the 1/2/2012 at 13:22 and 13:23, to which you again have failed to respond to.

 

I have also sent you text messages which you have also failed to respond to, on the 15/01/2012 at 11:43.

Which leads me to believe you are not interested in following legal procedure?

 

You have also informed me that you would be sending some one round to collect the debt in whichever way he sees fit, to which I have now taken a week off work, and to no surprise no one has turned up, and as I have CCTV at my house, to which I have full control over, I know and have proof that no one has come, also you have done this after being informed by myself that no such visit is allowed, and if anyone was to come, they would be told to leave post haste or have the police informed for trespass.

 

Also note I reserve the right to forward this any other communication address to me or sent from me to any 3rd party I see fit, namely ###### and any other that will aid my cause. Including but not limited to my local MP, thankfully you charges are nothing more than a money making penalty and pure profit, for yourself, my charges will not be, namely taking time off work for a week, and the hassle and time and cost in resolving your company disregard for correct procedure. Now treat this debt in dispute

[Cyril901]

Just want to make sure I have done every thing right, and that Im 100% clear on that I only need to pay back the £80 odd they sent me,

[renegadeimp]

Ok. it's a little late here and i see where you are going with your complaint. If nobody is able to advise better tonight, ill take a good look in the morning for you and help you write out a letter that goes right for their throat. It's the only way to stop these idiots in their tracks.

 

Dont worry about the letters you have already sent, we can reference them in the new one.

 

Meanwhile, i think we really need to get the OFT involved. I'm not sure if you already know, but minicredit have already been reprimanded by the OFT, and have a 'minded to revoke' status on their licence. it seems they know they will be losing their credit licence, which is why they are stepping up the threats and harassment lately in order to milk as much money as possible. Thats just my opinion, but with the experience i've had with these idiots, it fits like a glove.

[Cyril901]

Thank you, that complaint was sent a long time ago

[renegadeimp]

Thank you, that complaint was sent a long time ago

 

Can you possibly supply dates of any complaints you made, and in which format ( phone calls/letters/emails etc)

[Cyril901]

The first complaint was sent 22 Feb 2012 and I have the post office stub, I also sent it via email on the same day, and also sent one on the 23 feb, to the office that was listed on there website, one sent via details on contract, and one from web site.

 

I am very anal with keeping logs, and have all letters stubs and emails.

 

my exchange mail box is rather large

[Cyril901]

I had forgot all about it, till this afternoon when I got a demand for money for a lady that I have never heard off, or met. and from my knowledge has never lived here, and we have been here 10 years.

[Cyril901]

I also sent an email to the Financial omb, but was fobbed off 22/02/2012

[renegadeimp]

Sadly the FOS wont go near a complaint if you havent exhausted the lenders procedures. The only time they get involved before that is if something very serious is happening.

[renegadeimp]

I had forgot all about it, till this afternoon when I got a demand for money for a lady that I have never heard off, or met. and from my knowledge has never lived here, and we have been here 10 years.

 

So you responded to a phishing attempt, and gave them your details?

[Cyril901]

Oh god no, I gave them nothing, they just jogged my memory, and now im worried, that I have not covered all my bases

[Cyril901]

This is what I sent them

I do not acknowledge ANY debt to your company.

 

Good afternoon Mike

 

I would be more surprised that your sending out demands for money from a company called money credit. Which are not trading according to HMRC and Company’s House

And sending out letters to people not listed on said account.

 

So try not to be so smug next time. And we are fully aware of the £1.00 fee, but as its cheaper for you to send them out for free, than for you to pay to have her account go to court which she gets then anyway.

 

And try to remember DPA. As I am not Mrs deleted name, but your happy to divulge email address and also when she last paid her account.

 

I’m also sure she can print of said details, but as your chasing her for a debt, it’s your responsibility to provide said documents. Under section s.77

 

And you can look forward to payment all day long, as this is a miss trace, and I do hope it’s a very long time coming.

 

As the email address should show WE ARE NOT MRS deleted name, never have been and never will be.

 

 

after they sent me this

 

 

 

 

Dear Mrs. deleted name

 

Further to your below email regarding your debt with Mini Credit, I am surprised as a company director that you were unaware of the statutory fee when requesting documents under Sec 77 (1) of the CCA, unless you have just cut and paste the response to us from a forum.

 

Your Mini Credit account can still be accessed via the original loan application email address of deleted name the company email that you are a director

They may asked for the mobile number that was given at the time of the loan which was text the authorisation code, are investigation shows this number to be registered to Luke deleted name

 

At you can print off all your charges, a copy of your agreement the terms and conditions and the last payment amount you last made on 29/11/2011, as well as your bank details that the loan was credited to on the 30/08/2011.

 

Please contact me if you have any further quires and I look forward to receiving your payment in clearance of your debt.

[renegadeimp]

So have they actually contacted YOU in relation to your debt? Or have they sent this one out and got you worried?

[Cyril901]

Renegadeimp its getting late, you ok to still being on here,

[Cyril901]

They sent that one out, and got me worried, as the letter is addressed to me, my full name and address, when I sent them the above email, they replied with all the crap in the bottom email.

 

but its the fact they have my name and address on the written letter that has got me worried

[Cyril901]

Ok just had a coffee to wake up, as this must be hard work reading my garbage

 

I got a written letter addressed to me, and using my name, with a ref number on

 

I sent an email asking for details, posted above, with the ref number on the letter addressed to me.

 

They then sent me an email back, which is also posted above.

 

so they have got me worried a tad now.

 

as I had long forgot about this debt, and as far as im aware, I have covered all my bases, and did every thing right to with draw

[renegadeimp]

Ok. So it sounds like theyve sent a phishing letter out with false info, hoping you'd contact them and give them your name to confirm you live there. They have been know to do this before, but not recentley. Dont worry. We'll cover it in a full complaint tomorrow morning. If they try and say the contents were meant for someone else and sent to you by mistake, then they just admitted breaching the Data protection act and we can get teh ICO involved too.

 

minicredit just love digging deep holes for themselves

 

 

Regarding the emails, dont worry.

 

One last question before i head to bed, You said you had the money in your account, minus the unlawful transaction charge and then because they added the charge you decided to cancel as per the T&c's. Now, did you ever pay them that money back? because if you didnt, they can still chase for that initial amount.

[Cyril901]

No problem, I will scan the letter they sent, and word all this better, and again thanks for the help.

I'm not here to avoid the debt, I dont have a problem paying back the £80+ Its more Im sure I did every thing right in cancelling, within the 14 days.

Now I have kept you up for to long

Sleep well

[renegadeimp]

it's all good. Theyre easy to deal with, just frustrating. Get all the info you can and get back to us. Then we can get rid of them for you once and for all.

[Cyril901]

17th December 2011 I was getting Married, I sent off for a £100 payday loan with mini credit.

They then charged me £19.50 for sending me the loan. There was nothing on the site on them doing this.

 

I was sent the following email

 

Your loan application is approved, the loan will be transferred to your account immediately. The due date is 28. December 2011

 

Minicredit.co.uk

 

And was sent 17-12-2011 at 17:23

As soon as I had noticed what they had done with the money I blasted them the following email

Good evening

 

Can you send me your cancelation details, under the distant selling regulations, as I did not expect you to take £19.50 from me, also I do not see on your website, you do that.

Also I have noticed there is a lack of information informing me of said charge, and also a lack of information informing me of my right to cancel within 14 days.

 

Many thanks

 

And that was sent 17-12-2011 at 19:32 just over two hours after applying, and sent to the email I was told to use, in the contract, I got a response asking me to do it via online chat.

But as I like to do things by the book, I kept to the email address stated in my contract

And blasted this one back to them

Many thanks for your email.

 

But your web form does not provide me with a paper trail . please provide the details I have requested.

 

Many thanks

 

That was sent 17-02-2011 at 19.44

 

And again I sent them the following email

Good evening

 

I hereby wish to use my right to cancel under the distant selling regulations.

Due to being charged £19.50 for having the money transferred into my account on the same date, and which is not listed on your website.

I also note that I have 30 days in which to refund your money.

Due to your terms I will be charged £1 per day until the above is cancelled so you are hereby informed that I have cancelled my contract with you. Dated 17th December 2011 On the 30th day I will refund your £80.50 +£1.00 for today's interest.

 

Many thanks

 

And that was sent 17-12-2011 at 20:33

It was at this point I began to think I was dealing with cowboys

On the 29-12-2012

 

I was sent an email stating my first default, and they charged me £25.00 for the pleasure

That was sent 29-12-2012 at 01:30 to which point I fired one back explaining what was done, and also sent them a copy of the emails I had sent, On the 31-12-2012

I got my second default, which they charged me £55 for and at this point the loan was now £214.00

So in less than a fortnight the loan was just getting silly

The next day it had gone up to £225.00

I then sent out two letters recorded on the 01-02-2012 (Still have the stubs)

One letter informing them and showing them the emails I had sent that I had pulled out within 14 days due to said charge, and the second letter was a formal complaint.

On the 17-02-2012 The loan had gone upto £366.00 and I was sent this email

We would like to remind you that your MiniCredit overdue loan balance is £366.00.

 

If we are unable to recover full amount within next 10 days we'll send Your account to THE DOORSTEP COLLECTOR and You will incur extra costs.

 

We may also contact Your employer and start legal action against You. We also report the status of Your outstanding account to Credit reference agencies. All this process affects your credit score adversely and ability to receive credit in the future.

It was then I sent an email to the FOS and was fobbed off by an Adjudicator on the 22–022012

I then started to track the emails,

This is the mail system at host csmtp1.one.com.

 

Your message was successfully delivered to the destination(s) listed below. If the message was delivered to mailbox you will receive no further notifications. Otherwise you may still receive notifications of mail delivery errors from other systems.

 

The mail system

 

ds6254.dedicated.turbodns.co.uk[94.136.44.169]:25: 250 ok 1329999355 qp

6888

 

On the 20-04-2012 at 02:21 I got this

 

Unfortunately Your payment failed and we were unable to take the payment because Your details did not match. Please update Your address details and try again. It may happen that You have changed Your address in the bank lately. Also please be aware that despite of the fact that this payment failed the transaction amount may have been RESERVED (booked) on Your account for up to 3 working days and will be RELEASED. There is no need to contact us. If you need any information please call to our support line0871 890 3015.

 

Minicredit.co.uk

 

As they had tried to take £150.00, and that for some reason had put me -£150.00 on the account, I blasted the bank, who told me they could do nothing to stop them. A which I blew up, and it was returned, and the account closed.

 

I had heard nothing from them for ages, and had given up at this point trying to get in touch with them, so was hoping they would take it to court, as I had taken a week off work unpaid, waiting for a door step collector, which never came, and having minicredit bill me £100 for that.

It was only when I got a letter from a company called Hellix ltd, with my full name and address asking me to pay £900.00 for an account with money credit, this did jog my memory again.

I sent Hellix an email 13-03-2014 at 13.16 requesting details on account

I do not acknowledge ANY debt to your company.

 

I Have no records of ever owing Money Credit any money, and to this date have never heard of them. And a look on company’s house shows said company does not operate.

 

I require you to supply the following documentation before I will correspond further on this matter.

 

1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within.

s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit) - your obligation also extends to providing a statement of account.

2. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists.

3. You are notified that you are obliged to supply these documents, whether you are the original creditor or not under S189 of the CCA 1974.

Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities.

As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued.

Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested.

To which I got the following response

20-03-2014 at 19:18

Dear Mrs. Deleted Name

 

Further to your below email regarding your debt with Mini Credit, I am surprised as a company director that you were unaware of the statutory fee when requesting documents under Sec 77 (1) of the CCA, unless you have just cut and paste the response to us from a forum.

 

Your Mini Credit account can still be accessed via the original loan application email address of #email address included# the company email that you are a director

They may asked for the mobile number that was given at the time of the loan which was text the authorisation code, are investigation shows this number to be registered to her sons name included.

 

At fools web address you can print off all your charges, a copy of your agreement the terms and conditions and the last payment amount you last made on 29/11/2011, as well as your bank details that the loan was credited to on the 30/08/2011.

 

Please contact me if you have any further quires and I look forward to receiving your payment in clearance of your debt.

Regards

 

Mike McEvoy

Hellix Limited

6 St Margarets Business Park

Moormead Road

Twickenham

TW1 1JN

None of the above email is anything to do with me, and I do not know and have never heard of the person in that email

As soon as I got the email I fired one back, as I did not like the smugness in his email tone

Good afternoon Mike

 

I would be more surprised that your sending out demands for money from a company called money credit. Which are not trading according to HMRC and Company’s House

And sending out letters to people not listed on said account.

 

So try not to be so smug next time. And we are fully aware of the £1.00 fee, but as its cheaper for you to send them out for free, than for you to pay to have her account go to court which she gets then anyway.

 

And try to remember DPA. As I am not Mrs #ladys name delete by me#, but your happy to divulge email address and also when she last paid her account.

 

I’m also sure she can print of said details, but as your chasing her for a debt, it’s your responsibility to provide said documents. Under section s.77

 

And you can look forward to payment all day long, as this is a miss trace, and I do hope it’s a very long time coming.

 

As the email address should show #ladys name delete by me#,, never have been and never will be.

 

I think that’s every thing so far. There was a text message sent but as I could never get hold of anyone, I don’t think that would really matter

 

So thats my saga so far, I would have not minded paying them back the £80 odd, but now im begining to think they should be paying me for my week off unpaid, and all the hassel and time this has taken

Edited March 21, 2014 by Cyril901

[Cyril901]

Bump

 

Any luck on getting me that letter, and getting these muppets off my back.