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If no notices or statements have been sent under ( I think) S86 on an outstanding PDL does this bar them from adding any interest and charges.

 

Situation being

 

Took out a minicredit loan stating I was in receipt of benefits (got screen shots to prove that)

My credit file was clearly shot , frankly I wouldn't have lent myself 10p let alone £200

Failed to pay, debt went from £220 to over £1100 in a matter of weeks ( it took me a few weeks to contact minicredit because I had more pressing personal issues)

Serious harassment from MC

Defaulted me but amount on file was c £700

 

Last letter I wrote to them was rather strongly worded and is possibly on here somewhere

 

Have been getting phone calls and texts from OPOS , offering 50% discounts but nothing to say how much

 

Today received a letter stating I owe 1361.20

 

The last communication I had from minicredit was in late 2012 and did not receive a NOA, in addition just before they went belly up the amount owed on my credit file nearly doubled, I suspect in order to inflate the 'book' value of the debt

 

I have all the letters and emails from them although it will take some time to get them into chronological order

 

Any thoughts, do I tell them I have no NOA and to bugger off or do I ignore. My preference atm is just to ignore


Any opinion I give is from personal experience .

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Further to the above

In May 2015 I sent OPOS two letters regarding a minicredit loan

One was a prove it letter

The other was headed formal complaint regarding telephone harassment and listing my home phone number and mobile. This was well over a year ago and I did not receive a reply Since then , very occasionally I receive phone calls from OPOS. I can not tell you the frequency but must be less than one a month. Unfortunately I can not prove that the letters were sent by post although I do have an email in my sent folder that shows the letters were sent to three different email addresses at OPOS

 

When minicredit quit the PDL market I did not receive any notification at all and did not receive any immediate contact from OPOS/Kapama , as a result I sort of assumed that mine was one of the accounts that was written off.

 

I wonder if anyone has any thoughts as to what I should do next , I am sort of reluctant to raise the stakes as the phone calls are less than monthly - I can't be 100% sure because i do not spend much time at home , also during our communications when minicredit were still active they accused me of fraud in my application because I stated that i was single and later wrote to tell them my wife had died - we had been separated but on the whole close for many years, in fact I was her de facto carer. I do have a screen shot of my application where i said I was on benefits.

the last date of written acknowledgement may well have been about August 2012 so no where near SB


Any opinion I give is from personal experience .

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Fletch ... OPOS dont know their arse from their elbow.

Example...

 

Fraud for me in 2011 / 2012... Account written off and Minicredit confirmed it before they went under. OPOS Took the debt and begun hounding me. Before MC went under they told OPOS that the acocunt had been written off.

From then on things got hairy until as recently as June this year.

 

Every year OPOS mark my file with the account details even though they verified that they had written off the account on their system. I got £200 compo from them earlier this year when they deleted the CRA entry for a 3rd time.

 

This shows you that Kapama are terrible in the way that they deal with things.

 

Fletch - these debts dont go near court. Dont stir the hornets nest. However if there calls etc are causing you distress, you are entitled to have communication in writing only. I have a couple of contacts at OPOS that you might be interested in. But choice is yours, is it causing you harm and distress?

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Hi Thanks

 

As you say, don't stir the nest. The phone calls are not often, yesterday I went through all my inbound calls in my phones memory and could only find 1 but as i am on the 'mugs' list for the Windows helpdesk, talktalk help desk, BT helpdesk, accident helpdesk they probably only go back a month.

 

The account used to be on my credit file but since minicredit went under it certainly doesn't appear on clearscore or noddle , I am going to try the new free one from experian as well


Any opinion I give is from personal experience .

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Hi Fkofilee

 

An update

 

Last Friday i answered the phone to OPOS- told them the dates of the letters sent and to whom I sent them to, directors I think. There was a very quick apology and he hung up.

 

Today I have had two calls, first one I missed and the second I spoke to a Caitlan - got put through to a supervisor who wouldn't discuss it until I did security, which of course I refused and hung up

 

Its not much of a bother TBH as I am rarely at home during their office hours apart from a Friday - I guess the telling time will be the start of the easter break ( 5 long weeks) when I will be at home at least for the first week as the OH is away.

 

It is just annoying but I am better to wait until mid 2018 before I kick up a fuss

 

It is odd that they do not report to CRA's , or don't seem to although mini credit did


Any opinion I give is from personal experience .

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Thanks

The reassuring words help

 

They can't even be bothered to write to me,obviously that costs money


Any opinion I give is from personal experience .

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