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    • just to clarify my point look at page 5 the right hand side black line to the right of the sig box is missing that sig info has clearly been copied and pasted by lowells on to that set of t&c's and if you look at other vanquis card CCA returns here on cag for that same set of T&C there has never been that box there anyway   Exhibit_NA1_(1).pdf
    • > they keep piling on charges and CRS are now chasing me for over £100. My membership was/is £9.99 a month. > So....am I at fault? Do I need to pay? You are not at fault. It is entirely their fault for making this whole process so difficult, and I'd love to seem them argue otherwise against any British judge. Have you ever met any other company who makes it this difficult to cancel a subscription? Probably not! Because it's a (sort of) legal grey-area. You owe them nothing. In what world does it make sense to charge a customer £90 for cancelling their (£9.99/mo) membership less than a month early? What other reputable company would do this? Nobody. This is not legally enforceable!     X4L/Harlands/CRS/Zinc are all part of the same group, and they all have absolutely zero legal power over you. They are not bailiffs. Nothing will happen to your credit and nobody will show up at your door. They will never dare take you to court, because they know that they stand no chance, but they might try to scare you. Pay no attention to this. You might get a few annoying emails/texts/phone calls, but do not answer nor reply to any of these - if you do, you're just giving them more to feed on. These people prey on vulnerable people who get fooled into thinking they're in the wrong. Ignore any and all communication with these scumbags.   Feel free to check out similar threads from 2010-2016 about X4L/Harlands/CRS/Zinc on this forum, you'll notice that every OP stopped replying after so long because these cowboys gave up on trying to steal money from them after they realised that they wouldn't budge. Their whole business is based on stealing money from innocent people. You'll be fine! Good luck. Keep us updated!    
    • looks like you still paid for ppi. {£236.03}   unravelling the crap in the letter it looks like your can make a PPI reclaim directly to welcome even though they were not GISC regulated, they are saying the underwriters were, but they cant say whom they were, but from other threads here it should be easy to work that out if needs be    so you had a loan of £2269.44 of which 236.03 was PPI   so ppi/loan*100=ppi%   236.03/2269.44*100=10.4%   so anything you paid 10.4% of it was for ppi so statint sheet time      
    • bang shot yourself in the foot why did you mention PPI in the sar request?  
    • Thank you for your response Eric's Brother. I have been out of the country and was told about this on my return. It is not clear yet whether the Company have paid this PCN. They have a flawed policy of paying these and asking questions later, even deducting the money from the employees wages if they don't get a response from the employee within a certain time limit. They couldn't have got a response from my daughter as she too was away on holiday which is why she lent her car to my son. I'm not sure this policy is legal ?. Anyway, I'm getting sketchy information in dribs and drabs. My son was visiting Wrexham for a one off event so is unable to get pictures of the car park signage or the ticket machine. I will get the image supplied by Parking Eye and post it up on here. Sorry for the incomplete information so far, but that's what I'm getting. Kids eh ?...no sense of urgency.
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daisydream

minicredit/opos/kapama credit. Help appreciated!

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Hi all.

 

A few years ago, I got myself into a mess with various payday loans and have spent the last couple of years paying them all off. Earlier this week I received an email from a company called "kapama credit" stating an account of mine had been passed onto them from Opos.

 

The loan in question is from minicredit. A loan for £100 of which I only received £80. Due to being in the midst of my payday loan mess, this wasn't paid back.. As my head was firmly stuck in the sand, I did nothing.

 

I was in touch with opos back in 2012 and at one point was offered the chance to pay a settlement of £150 which ended up not paying.

 

The email i received this week states I owe over £700. In a panic, I offered them the £150 again, which they refused, stating the minimum they can accept is £392!! I then asked them for a breakdown of the account and this is their response:

 

Principle - £59.89

Interest - £69

Attepmted payment fees - £555.50

Debt collection fee - £100

 

I want this sorted asap but not sure of my next steps. How much of this do I technically owe?

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Hi there,Sounds like you are in a very similar sounding payday loan boat as myself! I'm also trying to repair the hideous damage I have done to myself and my credit file with these wretched loans. I've got myself down to a credit score of very poor now, which basically means I can't even get accepted for a new mobile contract! All my own doing, but annoying as hell either way.Most of this is down to MC / OPOS registering a default on my account for a debt now going back 3 or so years. I borrowed £400, which is now showing as me owing them £1810. Laughable really. I've been trying to fight this for ages, but in the end gave up as they wouldn't accept my offer, which I think was the loan + interest + a late fee. About £520 odd I think. So I focused on paying back other debt I owed, and never heard a bean from them.Until this week, when I too was sent this Kapama rubbish. I can see it's basically OPOS seeling the debt to themselves, which surely isn't right? The debt has also vanished from my credit file. I'm not sure whether it will appear again under a new name or not.Basically you should just pay them the loan, plus the original interest, plus a late collection fee. Don't be put off by their bully boy tactics and demands for sums of money that are ridiculous. Stand firm, and demand that you pay back what you rightfully owe, and that your credit file will be marked as 'SETTLED' and not 'SATISFIED'. This makes a difference. If they refuse, I'd probably threated to get the FOS involved, or push things on to court. Te;; them you would love to see them justify to a court how you can possible owe over £700 for a£80 loan. They'd laugh them back under the rock they came from.

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Hello,

 

Just wondered if you has any luck with this as I am in a very similar situation?

I took out a £100 loan back in 2012 in stupidity as well as desperation, buried my head in the sand and did nothing about repayments- could not afford to.

I thought I had paid all of my debts off, but after checking my credit score, Kapama popped up and now saying I owe then £860!

I spoke to someone on the phone who was quite rude and I asked him for a settlement figure. He asked what I could afford I said £200 and he said they couldn't go that low and the lowest would be £650! I told them to leave it and he said until what? I don't really know the answer to that myself but In my head I cannot justify that amount and I am sure they can't either.

Especially as the loan was taken out with mini credit and they obviously haven't traded legally and have been shut down? sold their portfolio to Opos who have then Sold to their sister company Kapama... Surely something is not right here!

I am more than happy to pay what I owe but that amount just seems extortionate! :!:

 

Any help would be greatly appreciated!

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Just a thought, when minicredit went tits up did you get any communication from either minicredit or kapama in the form of a notice of assignment.

 

I imagine your credit rating is shot anyway so whats one more person chasing you ?

 

I was in the same position and wrote to kapama basically saying prove that I owe you anything and have not heard back, that was early this year

 

https://www.minicredit.co.uk/

 

Have a read of what they should have done which is included on their site as well as the link to the FCA , see if you have some fighting room.


Any opinion I give is from personal experience .

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Daisydream do you still need help with this?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Check this link out,

 

 

if you were not sent a details by December 2014 saying your debt was transferred to either Kapama or OPOS, from what I can gather, your debt is written off (see page 2).

 

If your debt had already been transferred to Mackenzie Hall or Fredrickson then it MUST be written off (see from page 6 below)

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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It still didn't stop kapama trying it on with phone calls when they had been no NOA. or communication with minicredit in well over a year

I suspect, as per , minicredit 'accidentally' passed on details of all people including those whose accounts should have been closed and/or written off. I wonder just how many people paid up or came to a payment arrangement?


Any opinion I give is from personal experience .

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