Jump to content


camelot01

2012 minicredit loan..now with kapama

style="text-align:center;"> Please note that this topic has not had any new posts for the last 523 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

i had a loan with minicredit back in july 2012 for 100 pound.

I get emails from kapama every month requesting £808.

How can they charge 808 pound for a 100 pound loan is beyond me?

 

What is the best course of action to deal with this?

 

Ignore them and wait for SB and hopefully gets removed from credit file?

I had contact with kapama in may 2013 regardig the loan through email would this reset the 6 years?

 

Id be happy to pay them the oringinal agreement of the loan of 125 pound but not the 700 pound in charges on top?

 

Should i contact them and offer this payment?

Thanks

Share this post


Link to post
Share on other sites

when did you last pay it?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

kapama is MC. The same people run it. They did it a few years ago after they got caught with their collection practices.

 

basically they levied a ton of unlawful charges to the amount owed while they were minicredit. Then "sold" it to opos/kapama.

 

Wouldnt surprise me if you keep ignoring it and they offer to remove all charges. Especially when you call them out on it.


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

:D

Share this post


Link to post
Share on other sites

I havent paid anything towards this debt.

.looking through my emails i contacted them in May 2013 asking for the charges to be taken off

they were of no help and offered me a settlement of 500 pounds to which i just ignored.

 

I have ignored the emails ever since.

Thanks

Share this post


Link to post
Share on other sites

Keep ignoring.

 

let us know if they send anything else. Theyve prob seen the account in a defunct file and thought theyd try their luck.


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

:D

Share this post


Link to post
Share on other sites

Ok thanks for the advice.

 

They have my current address and only ever said emails and not mail through the post.

Share this post


Link to post
Share on other sites

There ya go then. if they wanted to do ANYTHING, theyd have to post it. Theres a whole lengthy procedure they have to go through.

 

They NEVER do because they wont want their unlawful charges to be seen in court.


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

:D

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...