Mini Credit / Kapama nearly £1500 interest

[bettybrush]

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

[fkofilee]

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,

[Bazooka Boo]

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??

[bettybrush]

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.

[fkofilee]

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.

[bettybrush]

Thanks Fko,

 

 

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