Jump to content

 

BankFodder BankFodder


Snf0113

Mini credit loan and Opos

style="text-align:center;"> Please note that this topic has not had any new posts for the last 208 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

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 

Share this post


Link to post
Share on other sites

irresponsible lending complaint time 


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

 

Share this post


Link to post
Share on other sites

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 

Share this post


Link to post
Share on other sites

get an IRL complaint in to the OC

all those charges are unlawful penalties anyway .


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

 

Share this post


Link to post
Share on other sites

Sorry I don't understand all of this stuff.

 

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

 

thanks 

Share this post


Link to post
Share on other sites

 


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

 

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

Sorry for the very late delay, sometimes I post in a panic and then forget I’ve posted at all. 

 

I emailed Kapama/Minicredit for a statement from when I took out the loan, received the letter then haven’t done anything with it as I’ve been busy. 

Today I’ve looked at my credit report as a change was reported on there and realised the Kapama/Mini Credit file has disappeared completely. I haven’t had any letters or emails regarding it. Does anyone think that means I’m going to have bailiffs knocking on my door sometime soon? Or a court date? 

Share this post


Link to post
Share on other sites

bailiffs..how did you work that out???


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

 

Share this post


Link to post
Share on other sites

I haven’t worked it out, I’m just worried that as it has disappeared from my credit report that might be the next step. 

 

Surely if they were going to remove it from my credit report for any other reason they would have let me know somehow? 

Share this post


Link to post
Share on other sites

where have you got the idea from that a debt being removed from a credit file = bailiffs?????

and

that bailiffs could ever be involved in a consumer credit debt ??

 

that's what I meant...


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

 

Share this post


Link to post
Share on other sites

Ooh sorry. To be honest I don’t have a clue. I don’t have a clue about this stuff at all so have gone straight to the worse case scenario. 

 

Share this post


Link to post
Share on other sites

a DCA is NOT A BAILIFF

and have

ZERO legal powers.

 

on consumer debt, bailiffs could only ever be involved after you lose a court case and fail to pay

and even the.. there is no right of forced entry on consumer debt anyway.

 

so did you raise an IRL complaint?

no good just asking for a statement SAR them.

get everything.

 

I would suspect, as this debt stems from around 2013 that you were defaulted around then too

and what has simply happened is the default has reached its 6th birthday

thus the whole account is removed from all files under industry guidelines

but that does mean the debt is dead, nor not owed.

 

you've been here more than a 1years self help is part of CAG too!!

 

dx

 

 


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

 

Share this post


Link to post
Share on other sites

I have been looking through the forum for an answer to my question, I was just reading some of the other Opos/Kapama threads but none had any information on this specific problem. 

 

As I have said I haven’t done anything as I’ve been busy and to be honest totally forgot. 

 

 

Share this post


Link to post
Share on other sites

so.

all the way back to the top then.....

 


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

 

Share this post


Link to post
Share on other sites

Thank you, reading now

Share this post


Link to post
Share on other sites

Sorry last question from me then I will work this out myself. Do I send all/any correspondence to Kapama/opos? 

Share this post


Link to post
Share on other sites

Opus/Kapama ARE minicredit. Same people run it.


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

 

Share this post


Link to post
Share on other sites

Brilliant, thank you for your help

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...