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    • It was agreed that we would organise the return and bear the costs of the carrier charges initially and would then invoice the defendant for those associated costs.     Thanks
    • I have received the agreement. Thank you I see that there is liberty to restore in certain circumstances. I also see that the costs of the return to be borne by the defendant even though in your opening post you say that it was you who paid for it. Can you please clarify
    • It is a very simple and short letter when boiled down, you are asking for sight of the contract between ther landowner and their client that assigns the right to enter into contracts and to make civil claims in their own name. We usually also ask for proof of planning permission for the cameras and signage. (as it is rare for a parking co to obey those laws and usually just tell lies about having deemed consent instead).   What normally happens is they ignore thuis request but you can use that against them later. tyhey know their clients stand a good chance of losing the claim at the first hurdle if they do respond.
    • wetcloths don't buy debts they only chase for their stated client...the recipient of your CCA not wetcloths. link ARE debt buyer so they get the CCA request on that debt now   you DO NOT blindly set up any payment plans to ANY fleecing DCA without a CCA return that proves enforceable here yes you'll get a whole forest through your door but that's the idea. it will get YOU upto date with whom owns what debt then we'll deal with each debt as the paperwork comes or not mores the case!!   dx    
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    • My personal experiences of Future Comms 
      Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!
      • 0 replies
    • 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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      • 4 replies
    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 5 replies
    • 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) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      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.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies

MiniCredit/Kapama/Opos - paying instalments and getting no response

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Thanks for everything you do here – I hope you might be able to help with Opos and Kapama. Although I've read lots of threads about them, I'm struggling with some particular parts of my situation.


Brief background – in 2013, lots of foolish unaffordable payday loans to pay more payday loans, including a written off Wonga. Most now dealt with, with my credit file looking like it will be clear by 2020. A few monthly payments still going, including to Opos for a MiniCredit debt purchased by Kapama - notice of assignment issued in late January 2015.


The initial Minicredit loan was £450, with Kapama/Opos demanding over £1600. I've been making £20 monthly payments for 18 months, and so have nearly paid the original balance. There is no default listed for MiniCredit on my credit file. The loan is listed as an 'advance against income' with Kapama as the lender and an arrangement to pay – with over £1200 outstanding.


I've come to a point where I'm reviewing my financial situation in mind of - first, a reduced income coming up because I'll be retraining in a new career - second, I want to be in a position to get a mortgage when my file is clear. That in mind, the £20 a month is no longer affordable, but as a default hasn't been recorded on that loan, I'm really concerned Opos/Kapama would register one if I stopped the arrangement now, setting back my file several (important) years.


Having read through forums and taken a friend's advice, I sent them an email last week referring to the FCA ruling regarding MiniCredit's lending (link not here) but have not received a reply. The crux of that was that if the debt hadn't been transferred to Kapama by December 2014 it should be written off –*they say it was, but I have the notice of assignment – which was sent by email at the end of January 2015.


The main questions I have:


  • Can they register a default now?
  • Should/can I stop making payments? They're currently being taken from a debit card by Opos.
  • How should I proceed? Should I continue to complain on the grounds of that FCA ruling?
  • Do you have any contacts at Opos/Kapama better than the general enquires address?


I know there's a bit of duplication there - but as I've paid back so much of the original loan, the credit file listing and the potential relevance of MiniCredit's shutdown, I'm really not sure where I stand.


Thanks in advance – I really appreciate it.

Edited by RFL

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Looking at my credit file on Noddle, 'arrangement to pay' has been listed for the past ten months, but 'the lender hasn't been able to give the account a status for this month'.

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