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Minicredit OPOS LTD help


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Hello guys,


to cut a long story short


I took on a loan a month ago with minicredit or microcredit as they're also known

as of £100 (wish I hadn't of now) but heres the deal.


I set up a DMP with a charity called stepChange who are really helpful

in helping me get through the whole process of sorting everything out so far.


The thing is, a couple of my other creditors so far are all being cooperative about my current financial

situation I am in except for minicredit(suprise,suprise).


minicredit passed the debt onto another company called opos ltd,

which i've already heard they are both the same company except with a different name.


I get calls from opos, which I do not answer as I heard they are very unhelpful

and threaten for you to pay up the amount with interest which is what I need help with.


I rang up stepchange about this and


I have emailed the new company details so that they transfer the account but


they needed the outstanding balance, which I do not know how much it is to date as


I only know what the balance of the loan was on minicredit account before they blocked my account


I am unable to see how much interest and what not they are adding onto my balance.


stepchange asked me if they had sent me any letters with the most up to date balance, I said no ,

they have only sent me text messages saying

" dear bla bla please contact us back to talk about your account with my account number"

which I gave to the charity.


The only balance I could give to stepchange was £155 after being charged twice for late payment fees

from minicredit.


How do I find out how much my debt is with opos to date? should I write/call/email? which is the easiest method?


and would it matter if I dont know the actual balance as I'm only willing to pay the £155

(that includes the interest and late payment fees)

as I'm not made out of money, and ive got other creditors to pay off aswell.


sorry for the long winded post but I really need help on what I should do next.


ps. stepchange say that they are dealing with it so I guess i will leave it up to them now,

i dont know if they will get this info for me instead of me having to chase it up,

all they said to me is that if opos ring me pick it up and say that stepchange are dealing with it now

and that they will send you an offer.

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credit file?


I hope you've sent all your other 'creditors' paid through Stepchange a CCA request

to check the debts can legally be collected upon?


how old are they and what are they?



please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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