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tom100

Old minicredit debt now with opos/kapama

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I defaulted on an old minicredit loan in 2012 and the default is due to drop off in 2 months

 

it's now with opos/kapama

 

I have not paid anything or contacted them in nearly 3 years.

 

ive found a few emails in my inbox about the debt, most recently a few weeks ago telling me it is now in the pre-legal stage

 

they sent me a statement

 

loan amount: £100

interest chsarges: £121

debt collection charges: £100

default charge 1: £25

default charge 2: £50

attempt charges: £685

 

i've paid £20 towards the debt according to the statement through token payments (sounds about right) but the amount owing is still over £1000 for a £100 loan

 

i'm guessing as the default is dropping off soon this is the moment where they will try anything including a ccj to recoup some monies? especially if they dont hear anything from me. currently trying to sort all my debt problems out so....

 

what would you reccomend as my next course of action with this?

Edited by dx100uk
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I defaulted on an old minicredit loan in 2012 and the default is due to drop off in 2 months

 

it's now with opos/kapama

 

I have not paid anything or contacted them in nearly 3 years.

 

ive found a few emails in my inbox about the debt, most recently a few weeks ago telling me it is now in the pre-legal stage

 

they sent me a statement

 

loan amount: £100

interest chsarges: £121

debt collection charges: £100 [unlawful][

default charge 1: £25 [unlawful][

default charge 2: £50 [unlawful][

attempt charges: £685 ????[unlawful][

 

i've paid £20 towards the debt according to the statement through token payments (sounds about right) but the amount owing is still over £1000 for a £100 loan

 

i'm guessing as the default is dropping off soon this is the moment where they will try anything including a ccj to recoup some monies?

especially if they dont hear anything from me.

currently trying to sort all my debt problems out so....

 

what would you reccomend as my next course of action with this?

 

 

have you move since taking this out

email can be ignored and bounced back as unread and their Email AD blocked


please don't hit Quote...just type we know what we said earlier..

 

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no i havent moved.

its an old email address so the emails arent particularly bothering me just dont want a ccj raised.

 

but also dont feel its fair paying back what they say i 'owe'

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Not the point its an OLD email

Its the point you are taking direct action they will see

They must abide by the new PAP rules before they can issue a court claim


please don't hit Quote...just type we know what we said earlier..

 

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