Jump to content

 

BankFodder BankFodder


bettybrush

Mini Credit / Kapama nearly £1500 interest

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1483 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi,

 

 

I am hoping for some advice. I took apparently (I don't remember but I have used payday loan companies so its probably true) took out two loans with minicredit both for £100, one in Feb 2011 and one in April 2011.

 

 

On my credit file there is entries for Kapama, one for £866 and one for £793. These were not on my credit file a year ago.

 

 

I have contacted them by email to question what they are and they replied giving me the dates etc. I know I was not working at the time and they did not search my credit file (I have old copies that I checked).

 

 

Where should I take this next? Is it worth me arguing the interest and then offering £200 to clear the outstanding debt?

 

 

Thanks in advance :-)

Share this post


Link to post
Share on other sites

No point, Minicredit dont exist anymore.

 

OPOS are dealing with these at present. OPOS wont go legal at the moment.... A judge wouldnt accept the high amount of interest charged etc,


 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Share this post


Link to post
Share on other sites

Hello Betty,

 

Is there a reason why you don't remember taking these out at all?

I'm NOT prying, just trying to establish if you might be in the 'vulnerable' group??


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!

 

 

Share this post


Link to post
Share on other sites

Hi Guys

 

 

thanks. Yes Bazooka, I have bi-polar (I can admit that on here because no one knows me :-) ) It does affect my finances because I go through 'spells' of being out of control spending wise. I have been doing OK for quite a while now and my family help with controlling my spending.

 

 

It is also one of the reasons that I am out of work now and then.

Share this post


Link to post
Share on other sites
Hello Betty,

 

Is there a reason why you don't remember taking these out at all?

I'm NOT prying, just trying to establish if you might be in the 'vulnerable' group??

 

Hi Guys

 

 

thanks. Yes Bazooka, I have bi-polar (I can admit that on here because no one knows me :-) ) It does affect my finances because I go through 'spells' of being out of control spending wise. I have been doing OK for quite a while now and my family help with controlling my spending.

 

 

It is also one of the reasons that I am out of work now and then.

 

Okay thats good to know, so you would fall under the vulnerable class. (Not trying to label you :))

However coming back to the point, we are dealing with Kapama here... You cant SAR minicredit because they dont exist, but I would suggest ignoring Kapama / OPOS for now.


 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Share this post


Link to post
Share on other sites

Thanks Fko,

 

 

I will ignore them then. It will hopefully fall of my credit file in 2 or 3 years.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...