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Hi,

I was unfortunate, some may say silly to get involved with Pay Day Loan companies over the last few years.

 

 

I am trying to clean up my credit report and have found four registered on my report.

 

 

One for over £1000 on what was only a £100 loan.

I have attached a copy of the information from my report.

 

 

Can anyone help me sift through this and advise on the best route.

 

 

I think the Kapama debt was from Mini Credit who have ceased trading.

Just need to know what is the best way forward with these

. Many thanks.

PDLOANS.jpg

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Sorry but Minicredit folded a while ago... Kapama and Opos bought the accounts...

 

Ignore Opos... Harmless at this point... When is the default date?

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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Hi,

default date is 29th August 2012.

 

 

Had two email default notices but not in writing,

doesn’t look like an official default notice.

 

 

on 03/05/2012 had an email stating balance outstanding was £237,

another email on 20/05/20 stating balance was £404.

 

 

Sent a CCA request on 29th August 2013, no response to this.

 

 

Received an email on 16/12/2014 from Kapama stating I owed £1075!

 

 

They are not chasing me but I feel they have put excessive charges and interest.

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