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    • We've all got things on our minds. 
    • No they won't send bailiffs. They couldn't do that anyway without a court judgement and they won't bring proceedings against you because they don't have the authority to do so. I think it would help people here who find themselves in a similar position in future if you could post up the letter so we could all see the kind of thing that is written. Make sure you redact it for identifiers such as name and address date reference number. But the rest of it you can post up here very happily. I think it will make people a lot less rattled when they receive these kinds of letters. I can imagine that if you had already seen one of these letters here and we had commented on it you would feel even, about having received it. Finally, if you think that this is a particular problem you have – and you are living in a refuge so you obviously have some difficulties in your life, it might be a good idea to go and talk about it all with your GP. You can be certain that that conversation will be in complete confidence that you will probably feel a lot of relief by having shared the story with someone you can trust.
    • Thank you so much @DX100uk!  you made me feel so much better! Even 2 months on and i still cant forget what happened. I hope it remains a hidden secret and Noone finds out!!  neither would i ever take a single thing without paying.    i had received 2 letters from some people thank god you had told me about them before!! Or i would of had a heart attack again!   will they send bailiffs to the house as threatened?  are they able to? i dont want my mother knowing as its her address they have 😬   thank you again so much.
    • So the problem is not that it has been lost or withheld from delivery subject to payment of an extra charge, it is that despite the fact that it has been delivered they have now come back to you and asked you for extra money for the delivery. This correct? In that case, as my site team colleague above has recommended – simply ignore it. If the problem is more complicated than that then please let us know
    • I suspect that they have other things on their mind
  • Our picks

    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
      • 32 replies
    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
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Mini credit and excessive charges.


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I'm posting on behalf of a friend.

She took a payday loan out with Minicredit in February this year for £100. She received £80 after having £20 deducted for a draw-down fee.

She was due to pay the total loan +interest of £130 mid march but due to unforeseen circumstances, there was not enough funds in her bank for the d-card transaction to take place.

She thought about extending the time on the loan online but they wanted £50 just to look at it.

Minicredit then attempted to take money from her bank on a few occasions without success but they added charges onto the loan.

Because my friend is on a low income, is a single parent with 4 children, she was worried they'd try to take the full amount of debt (on a continuous payment authority) so she asked her bank for advice. They said there was no point cancelling her d-card as they will be able to take funds straight from the bank account (is this true??).

Since then Mini credit has taken £50 about 2 weeks ago and then 3 amounts totalling £150 in the early hours of 25th April. This meant she was unable to buy her groceries for the family and is now very stressed over this situation. (She sufferes with anxiety/depression/other conditions which has been made worse because of the stress).

Her bank has now confirmed that they have cancelled the continuous payment and said they'd refund any payments that Minicredit may take in the future.

My questions are:

1) is there anything else she can do to make sure Minicredit can't take anymore funds?

2) what can she do about the excessive charges?

3) should she be able to get some funds back from Minicredit?

SAFU

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Get your bank to fully refund those charges and get that CPA cancelled. you also must report minicredit as they have already had their credit licence actioned for this, and are on the verge of losing it. They seem to be doing one "last hurrah" lately as the FCA are coming down hard on PDL's.

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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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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  • 4 weeks later...

I had a loan of £120 with minicredit an I couldn't repay it for 2 months, I paid back £175 an they still believe I owe them over £500 I'm refusing to pay that! I would rather take them to court! NO ONE USE THESE LOAN SHARKS!! If you going to get a payday loan there are plenty out there which are much better then minicredit! DO NOT USE MINICREDIT!!!!!

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  • 4 weeks later...

Hi. I have an update on this issue.

CPA cancellation has been enforced so no more debits are being taken. My friend has managed to get a fresh bank account and card.

However, today she received a letter from Minicredit that is very upsetting. I will type it below:

 

Dear ##

Microcredit ltd (trading name Minicredit.co.uk) 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 authorised microcredit ltd to debit payments from your bank account using the debit card details registered with us.

 

It is considered FRAUDULENT BEHAVIOUR TO MAKE A CHARGEBACK when you have registered and RECEIVED THE SERVICE regarding which the payment has been taken.

 

You have broken the loan agreement and your account will be forwarded to our debt collection partner. They will contact you in due course.

 

We also report your illegitimate actions to relevant national register what may 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 to avoid further escalation of the matter.

 

Kind regards

Minicredit.

 

 

 

Is any of what Minicredit is threatening within the law? (Debt collection obviously are).

My friend is planning on going to CAB for advice for all her debts but I wanted to know we she'd stand and what she (or I on her behalf) can do about this.

SAFU

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Report them. It is not fraud to make a chargeback at all.

 

Theyre trying to scare you into letting them keep the money

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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FCA and file a full complaint with minicredit so you can get the FOS involved as well. IIRC, theyve tried this trick with a few other CAG members too.

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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