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Snf0113

Mini credit loan and Opos

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Hi all, 

 

so long story short

 

I opened a small £100 loan with Mini Credit back in 2013.

Missed the payments as I was also paying back Wonga, Lending stream and Quick quid at the same time so naturally it meant that it climbed up to £691 and only having around £700 a month meant money was hard (I was in part time employment but was only receiving £250 in wages). 

 

forgot about the debt,

saw it on my Noddle credit report but thought it would go away,

all other loans have been paid or written off.

 

I was looking through this forum for advice on Kapama/Opos when I thought about checking my emails as I’d never heard from Opos about my account.

I found a few old emails in an account I never use but opened on dated Dec 2018 stating that my account was being sent back to Kapama as they couldn’t get hold of me.

 

Any idea what that means?

I’m trying to clear my credit report so anything would be helpful. 

 

Thanks 

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irresponsible lending complaint time 


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

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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

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Reclaim Bank Account, Loan & Credit Card Charges Read Here

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Hi all, 

 

Firstly apologies for the very late reply. I totally forgot I had posted this until I logged in today to post about the same company. 

So Kapama/Opos Limited have sent me a statement and a signed 'credit agreement' from when i opened the Mini Credit account but the signed credit agreement only has the final sum of £520 that I would have been paying back for the sum of £100 that I had borrowed. 

 

The Kapama statement states the £100 I borrowed, £121 interest charges, £100 debt collection charges, £25 default charge 1, £50 default charge 2, £350 for attempted charges = £746 minus £55 I paid. 

 

does this sound correct to anyone? 

 

I'm not sure what to do about the irresponsible lending. I'm still searching emails for emails from the other debt companies. 

 

thanks 

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get an IRL complaint in to the OC

all those charges are unlawful penalties anyway .


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

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Sorry I don't understand all of this stuff.

 

How do I go about doing that and setting things in motion? 

 

thanks 

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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

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Have a read across the forum about minicredit.  They are easily sorted and just rely on people not knowing their rights or who get scared and pay them something.

None of their charges will ever get through court. In fact, hardly any of the loans actually went to court as they were too scared to let the court see how many bogus charges they were adding.


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

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