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    • Just to update everyone.   Witness statement, ROP letter and alleged credit agreement filed at court this morning.  I have also sent them the same which they will receive tomorrow morning.   There is nothing on my credit files, nor any searches.  The default dropped off my file a few months ago after 6 long years.  My file is completely clean now, and I'm hoping it stays that way.        
    • letters deemed to be delivered 2 days after posting so sols are just time wasting to keep the taximeter ticking over. all you need to do si send them a copy and say it was sent by 1st class post to such and such address ( reg office presumably)
    • It is the usual rubbish.   It is cunningly designed to frighten you because it uses some words designed to provoke an emotional response such as Bankruptcy, charging, Warrant etc.   If you read it carefully it can be summed up as follows:   1. You were wise enough not to engage with us before and we are a bit pissed about that.   2. Because we are pissed but can do nothing else we are trying to frighten you with all the things someone else COULD (but probably wouldn't) do with keywords. Only our client and his solicitor could if they had a case.   3. More keywords because we are still pissed you have not engaged with us.   4. We have advised our client (though we probably haven't) to refer to solicitors for legal action because 1). we have failed to scare or engage you and 2). we have no power to take legal action ourselves, only solicitors engaged by our clients could do that.   5. We want to help you (for which read we want to help ourselves) and please look at the list of other people who can help you because a). we may be legally obliged to refer you to third party help and b). some of those guys will advise you to engage with us rather than put us to strict proof.   This letter should be filed along with it's envelope.  No need to respond in any way or have any anxiety about this one.
    • you get the council involved then as the noise is nuisance. You will need to keep a diary but whislt you are on to the council you ask them to see if they cna inspect the property as you belive that the works being doen come under building control and possibly breaching the London Fire Acts ( or similar for most cities) hopefully tey will send someone round and then tell you if they are happy or not with what they have seen. That will help you decide how you want to play things
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    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
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    • This is a bit of a lengthy one but I’ll summerise best as possible.
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
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      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
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Minicredit debt KAPAMA CREDIT chasing...

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I have been looking at my debts with a view to clearing them.


I have checked various credit reference agencies and noticed that some of debts are not there depending on where you look.


I have been receiving text messages regarding a debt with Minicredit which I vaguely remember taking out but not the amount outstanding.


After checking my credit records it states that I purchased it in 26/11/2011 and the amount outstanding is £1531.20 which I feel is mostly interest as I not think it was that much as you can only borrow small amount of up to £400 I notice!


yesterday I received an email below. By the way, I didn't receive a Notice of Intent.



Balance: £1,531.20

Telephone: 0203 096 5899 (Calls are recorded)




Dear Angela (full name deleted)


As you are aware we issued a Notice of Intent against you in July 2016 but were then instructed by our client to offer affordable repayment plans as an alternative to the consideration of further action and cost, the Notice issued does not effect the Notice of Default registered on your Credit File for this debt which is preventing you from obtaining any further credit until paid.


Despite our clients gesture regarding your MiniCredit debt the matter still remains outstanding, we are now reissuing your Notice to start the Recovery procedure for the retrieval of our clients funds and will then advise them on the possible action they will need to consider to finally resolve your liability this could include but not limited to;




To obtain a County Court Judgement (Decree for Scotland) against you which if obtained may result in further legal proceedings to enforce the judgement debt. Some of which are;


Attachment of Earnings (Earnings Arrestment for Scotland)

If you are employed, money will be deducted directly from your employment salary to repay the Debt.


Charging Order (Inhibition Order of Scotland)

If you own your home, the debt will be secured against your home preventing you from selling it without repaying the debt first. A separate application could also be made to force the sale of your home to repay the debt.


Warrant of Execution (Decree Warrant for Scotland)

Goods may be removed from your home up to the value of the debt and sold at auction. If legal action is taken the total amount you owe may be higher than the current outstanding balance as recoverable cost and interest incurred during the legal process will be added to the debt.


We would like to advise you we are willing to offer flexible repayment solutions that will meet your needs. Where this is not affordable our agents will also discuss alternative options available for you. We can accept £765.60 in a lump sum payment to clear the debt. Please be assured that we will take your financial circumstances into account when discussing any repayment plan to ensure suitability and have your best intentions to heart.


Maintaining payments or settling your account will be positively reflected with the Credit Reference Agencies.



All payments through the post should be made payable to Hellix Limited with our reference number clearly stated at all times. You can make payment by Standing Order, or if your bank account allows by On-line or telephone banking Quoting Account Number 08763317 Sort Code 09-01-28 and our reference number, you can also make payment at any Santander Branch with our above bank details.


Debit or Credit card facilities are available on 020 3096 5899



Yours sincerely


Mr Nigel Goddard

Collections Manager

Hellix Limited

6 St Margarets Business Park

Moormead Road



Main Line 0203 096 5899 (Calls are recorded)




What should I do next as I have never been in contact with any these companies?:?:

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Arh my favorite firms - Minicredit, OPOS, Kapama & Helix...


Helix are just an agent in relation to this Account. OPOS & Kapama are one and the same.

Id safely say ignore. Kapama and co never do court. Dont stir the hornets nest. A defaulted account will remain for 6 years on your CRA.


Notice in their letter it says;


The Notice issued does not effect the Notice of Default registered on your Credit File for this debt which is preventing you from obtaining any further credit until paid.


Thats is a lie. It wont stop you at all, It maybe though that you end up paying a slightly higher rate of interest...

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Can I echo my colleagues statement. Minicredit added loads of charges and when the debts were assigned to Opos. They (probably) added a few of their own. As such, if they were to ever try it on in court the figures wouldn't match what they were claiming and likely get thrown out.

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When was the default placed on your account ?



They say you entered into the agreement in 2011 and sent a notice of intent (that's a new one) in 2016.



I suspect their letter/email might also be in breach of the debt collection guidelines, as it would appear they do not advise that the actions they say they will be able to take would not be possible unless and until they obtained a court judgment in their favour!

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