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    • Hi I was being supplied my ovo after unknowingly being swapped from SSE.  My issues began when we had a smart meter fitted and our bills almost doubled overnight - we at the time assumed we were just paying not enough until then and just continued to pay the excess bills each. Month.    I would from time to time contact ovo and get faced with a call centre on South Africa of the most rude agents who would just hang up after hours of wait and I could not even get an acknowledgement of an issue with my meter.  At one point we were not in the property for like 4 months and the bills were coming just as high!  It was at this point I was sure something is not right and ovo only care to send bailiffs and started threatening us with a pay as you go meter despite me taking out a 3.5k loan to pay of my outstanding balance.  Around 1600 each on both gas and electricity.  This is where its gets really bad -  the very same day they sent me out a new bill saying the money paid already was only to cover up until the November previous and because its now Feb we owe another 1k.   By that August this had risen to over 3k and I still couldn't get anyone to even acknowledge a fault let alone fix it.    In despair I tried to swap suppliers and to my surprise octopus accepted us because even tho the debt is owed we are trying deal with.  During our time with them the bill was coming only on my wife's name as I was responsible for other bills and she this one - now that we owe them 3k they have magically started adding my name as well as my wife's to the same debt to apply double pressure and its showing on my experiwn report now with a question mark and 2700 showing in grey -  This was my wife's debt which we dispute we owe yet the have now sent me letter with both our names on from oriel and past due credit debt agencies - is this illegal and how can I get them to take my. Name of this and leave on wife's name as its so unfair they give us a both a defualt for wife's debt which we dispute anyway.    In the end about 3 weeks ago I wrote an email to their ceo and rishi sunak and low and behold for the first time in our history with ovo someone who spoke English contacted us and said she will look into our claim.    I explained to her that we feel our meter is faulty and despite me contacting them using WhatsApp email and phone I still have not got anyone to acknowledge a fault even. And that I dispute I Owe anything as my son was in hospital for 3 months and we stayed with him so house was empty and still. They were sending us super sized bills more than when we started at home.  She promised to investigate and a few days later replied that she is sorry for the poor customer service and offered us £50 compensation - however she also. Mentioned that she's attached statements for us confirming the payment for 3k I made was only up until Nov and in Feb despite me pay 3.5k nearly it's correct for them to bill. Me. Another £900 the very same day and she did not agree our meter was faulty and therfore the debt stands and she will not be calling it bcak from past due credit.  During my time with my new supplier post ovo, octopus I requested tehy check my. Meters because I felt they were faulty and over charging me and I got excellent response asking me for further details which I supplied and I got a. Response bcak within days to say my meter was indeed faulty and octopus have now remotely repaired it.   I then contacted the energy ombudsman and explained my situation how she at ovo tried to fob me off and demand I apy money we don't feel we owe due to faulty equipment we reported but ovo had to process or mechanism to deal with it or lodge complaint even without having to cc their ceo and our pm. And now I feel sick to think both husband and wife will get a 6  year default for debt which have a validity of a questionable nature.    I explained all this to the energy ombudsman and they accepted my case and I explained to them that my new supplier found my fault which ovo refueed to accept - I've uploaded the email from new supplier to ombudsman showing we had a fault.    My. Question is is there anything I can upload in defence of my case to ombudsman before they decide outcome ina few weeks    All advice greatly appreciated not only would I like advice on how to clear this debt but also how I can pursue ovo for compensation and deterrence for the future.  Thansk 
    • Thanks for the reply dubai 50 - if the statute is 10 years it has long passed - if it is 15 years i havea few months left. i shall ignore until it gets serious  An update - - I sent the letter to the bank in Dubai ( I did get delivery confirmation from Royal Mail)   - I have moved to a new address ( this is the address i gave to the bank in dubai)  - IDR are continuing to send Letters to the old address, which leads me to believe they are not in contact with the bank at all. - i have not replied to any correspondence digital or hard as they are non threatening ( as of yet).        
    • Your topic title was altered last June 23 by the owner of this forum in the interests of the forum Anyway well done on your result and concluding your topic, title updated.   Andy   .
    • So what    Why ? Consent Order/ Confidentiality ? This would be be invaluable to followers of your topic.  
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Microcredit Limited have Ceased Trading as a Payday Loan Company


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Bet theyll just use another name.

 

edit: schedule 3 is concerning as opos is microcredit, and thats who they primarily 'sell' the debts 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

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They will only sell the debts to them and the other named DCA. No more Loans can be given out and all interest and charges are suspended. I expect other Payday Loan companies to follow suit by the end of the month in time for the new FCA Regulation which take effect from January 1st 2015

 

Good Riddance! to Microcredit Limited.

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Thats my point. Theyre selling the debts to themselves that are chock full of bogus charges etc.

 

Schedule 3 says that they do not have to write off interest or charges, which is possibly why MC sold a huge amount of debts to them. In anticipation of this announcement.

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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According to that PDF, They dont have to remove the charges. Its now up to opos to decide to remove them or not. But since theyre all unlawful, it should be easy as they wont go to court as theyll have to declare them all as fair.

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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To be honest, i dont htink opos have ever been to court. Normally when someone contests the charges, Opos quickly write them all off.

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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To be honest, i dont htink opos have ever been to court. Normally when someone contests the charges, Opos quickly write them all off.

 

Thanks for the reply :). I've got a separate thread regarding OPOS about the charges. There has been a number of back and forth emails and now their finance manager is investigating them. We hope to have the resolution we want/deserve soon.

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Should have sent 1 email, then started a reclaim. if they screw around, go to court or file a formal complaint. By back and forth emails, and getting the ' finance manager' to investigate, they probably consider you gullible.

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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Should have sent 1 email, then started a reclaim. if they screw around, go to court or file a formal complaint. By back and forth emails, and getting the ' finance manager' to investigate, they probably consider you gullible.

 

We will be making a formal complaint should they not decide to remove the charges or get back to us with their response of their investigation. I know it does seem like we're gullible, we have spent a lot of time finding out our rights. How do we start a reclaim?

 

This is a fantastic forum but a lot of the threads are left open so trying to find out exactly what to do/how to do it is quite difficult.

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What exactly do you want to do.

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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great news - one of the worst of them gone. I have a current complaint with FOS about unaffordable lending in, wonder how it will affect that. Tbh, I dont care - having read the horrible experiences that people have had on here with this lot, CFO and motormile, it is great to see the back of them

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Mini credit were bound to fold under the new regulations from the FCA. It's likely why opos seem to have come back on the scene again after being quiet for so long.

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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What exactly do you want to do.

 

Have the unlawful and unjustified charges removed so my partner only pays back what he actually owes. I have a thread on here explaining my situation with Mini Credit and OPOS.

 

We contacted them for a full break down of the debt then told them we require them to remove the charges/penalties because they are unlawful and unjustified. I asked for advice and help about writing the letter to them but it fell on deaf ears. I'm not insinuating any negativity about this forum, I think its fantastic and we would be a whole lot more stuck without out. I try to write the posts in my threads step by step so to help others in the same situation. This is all fairly new to me so I don't really know what I'm doing. Sorry if this sounds offensive in any way, its really not supposed to!

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?437488-Remove-Minicredit-OPOS-unenforceable-charges/page3

 

Rosepetal's thread ^^^^

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two points

the two companies that are taking on minicredits accounts both have the same address

 

Can anyone point me to the evidence that minicredit and Opos are the same company, I have looked but I can not find.

 

It was fairly obvious this was going to happen, looking at my credit report the outstanding balance doubled a couple of months ago .

The minicredit website is now taking applications and redirecting them to another company with offices on Princess St in manchester

Any opinion I give is from personal experience .

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renegade, do you think they jumped because of the cap on fees etc or where they pushed by fca because of past behaviour? who do u think is next to fold?

 

They were pushed as the OFT register already had a minded to revoke marker on it

Any opinion I give is from personal experience .

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Rosepetal

Without more details it is difficult to pass comment

I suppose the questions would be

How much did you borrow?

How much have you repaid?

How much do they claim you still owe?

 

In my case the figures are £220, £0 , £1200 or their abouts. I have not heard a word for 2 years now

Any opinion I give is from personal experience .

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great news - one of the worst of them gone. I have a current complaint with FOS about unaffordable lending in, wonder how it will affect that. Tbh, I dont care - having read the horrible experiences that people have had on here with this lot, CFO and motormile, it is great to see the back of them

 

All FOS Complaints regarding Microcredit Limited are being prioritised. I had this confirmed today as I also have a complaint in. The Ombudsman is already reviewing it and should have a decisionbefore the 29th December.

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two points

the two companies that are taking on minicredits accounts both have the same address

 

Can anyone point me to the evidence that minicredit and Opos are the same company, I have looked but I can not find.

 

It was fairly obvious this was going to happen, looking at my credit report the outstanding balance doubled a couple of months ago .

The minicredit website is now taking applications and redirecting them to another company with offices on Princess St in manchester

 

 

I cannot find any information either that the companies are related. Different Trading and Registered Addresses, Different Director for each company. The only thing they have in common is their company start date of 2008. It may be that the Directors of the two companies know each other and have an agreement in place to passs on the debts, other than that, there is no other information to support they are the same company.

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Thats my point. Theyre selling the debts to themselves that are chock full of bogus charges etc.

 

Schedule 3 says that they do not have to write off interest or charges, which is possibly why MC sold a huge amount of debts to them. In anticipation of this announcement.

 

I am aware they are not obliged to write off the charges and interest, however, they cannot add anymore interest or charges after 4pm on December 10th. The Charges and Interest can still be challenged by customers with OPOS and Kapama Ltd

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Woah!! Bloody hell!

This is awesome!

 

But worrying....

 

Update!!!!! ....

 

I have just received the following email...

 

Opos Reference:

Client Name: Kapama (Mini Credit - https://www.minicredit.co.uk)

Client Reference:

Amount Due: £1,063.00

 

Dear Fkofilee,

IMMEDIATE PAYMENT REQUIRED

We have been instructed by our above named client to collect the outstanding balance as detailed above.

 

You can make immediate payment by credit or debit card via our payment line by calling . You can also make payment and manage your account online by going to our secure website http://www.oposlimited.com (PIN:5770).

 

Cash Pay ment can be made into any branch of the Royal Bank of Scotland

 

Account Name: Opos Limited

Sort Code: 83-07-06 Account No: 10526682

Bank Transfers can be made directly into our bank account with Santander

 

Account Name: Opos Limited

Sort Code: 09-06-66 Account No: 43530927

 

If you are experiencing financial difficulties it would be beneficial for you to contact our Money Advice Section who can review your payment arrangement to be spread over a longer period of time and in line with your affordability. Please contact one of our trained advisors on who will be happy to talk through your situation.

 

Yours sincerely,

 

Opos Limited

a: 2nd Floor, 15 Meadowbank Street, Dumbarton, G82 1JR

t:

f:

e: [email protected]

w: http://www.oposlimited.com

 

This was one of the fraudulent accounts that was setup in my name, now check out this email from Helena @ MC sent earlier this year

 

 

Dear Fkofilee,

 

 

 

After our internal investigation we are able to confirm that it is highly unlikely that You took out the loan Yourself. We have contacted Call Credit to make them aware that the loan was taken fraudulently. We have also asked them to delete the account and any corresponding searches. This request can take up to 10 days to be completed. You are not liable for any balance created in Your name and You will not receive any more unsolicited correspondence from minicredit.co.uk about this loan.

 

It is always regretful when fraud occurs and we hope that we have helped alleviate Your concerns in this instance. If You have any further queries, please contact 0871 890 30 15.

 

 

What do i do?!?!?!?

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Thanks for that email. Proof that the 3 companies are the same now exists. Why on earth the FCA havent done anything about it is beyond me.

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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Renegadeimp

Maybe I have missed it but can you please explain to me where the proof that the three companies are connected it. We know that two of them share the same address so are connected but not minicredit.

Any opinion I give is from personal experience .

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