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Ive been making payday loan complaints which started in December


have so far had 3 successes and about to send some to FOS.


However im confused about MiniCredit.


Their website is still fully active?

I know there is a statement with regards to them no longer trading at the bottom of their website

with a link to the FCA,


however their website still updates daily and from what i can see will let you make applications?

They have links to Kapama and Opos etc.


Im pretty sure that they must still be in operation

but I cant find any post that confirms that they are defenitely not

so wandering if anybody can point me to this please?



If they are still lending in some capacity then im sure there must be lots of people who have tried but failed to contact them with regards previous lending and their ridiculous default charges!





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Theyve been shut down, but they ignore the rules. Ignore them completely. Kapama and Opos are minicredit. They are ran by the same people. What happened was minicredit were acting unlawfully and ignoring all laws and regulations. FCA caught on to it and shut them down, so the owners set up a couple of DCA's ( opos was there from the start of minimuppets), and then 'sold' the debts to these dca's.


Suffice to say all their silly charges and interest are completely unlawful and thats why they dont go anywhere near a court. They just spam letters at you for a while hoping youll give in.


If you want peace of mind, just flag it to the FCA who will make sure its sorted.

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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Hmmm yea that sounds about right. I dont owe them anything but they caused me hell a good few years ago and....well Karma and all that....


I just spoke to the Ombudsman and they have a statement with regards to any complaint made against them which is that to tell customers that they are currently not investigating complaints against them but that they are looking in to wether they have money to pay compensation etc and to keep checking,


the register when you put in Minicredit even brings back details of a company called Smartloan LTD / ctcapital and i emailed the contact there who replied saying that the FCA register is wrong as it brings up his details when you search MiniCredit....Im going to ring the FCA tomorrow i think to see if i can find out anymore....its my Mini Mission to track down the MiniScum!

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