Hi Darren they normally block your account when they send it to a dca. The dca will send you a letter. Once you have received this letter I would advise you to look at the amount owing if it's a lot higher then expected call the dca and ask them to send you a brake down of all the charges. When you have got the brake down pay attention to th door collections charge and the debt card charge, they can not charge you door collections because they never send anyone around and they can not charge a debt for failed debit card collections as they do not have any financial loss from that.

Thanks sillygirl So basically 87 is about default. because a payday loan contract is only a month they can only charge that because after the month the credit agreement ends and they have no more power to charge interest. Am I right with that.

Hi sillygirl I Know you always say that you only owe the original loan amount and one months interest, I am going to send a letter to minicredit if you have anything that can support this I will be most greatful I have looked everywhere and came up empty Thanks

A few people have signed my petition with good comments but more are needed to close them down. Anyone who reads this if you have had any bad experience with mini credit or any company that is associated with them please sign the petition and help us close them down. Thank you all that has already signed

Hi I would not worry about court they will pass it on to Fredrick international debt collectors mine has gone there but it has been 2 weeks since they have done that and I have heard nothing from them. They won't take you to court do you get any doorstep collector come to you I never did and if they did take it to court they would have to explain all their unnecessary charges like 100 for the doorstep collections that dont happen the 5 pound charge for a declined card payment they are making profit out of this and they dont get charged for by any declined card. In some of the other posts people say that you owe the original loan plus one months intrest. I dont know if that is true I will need to research on that.

No they can not just contact your employer, for them to do that they need to go to court first if they just contact your employer they will violated your privacy and may violate the data protection act. If they do contact your employer with out going to court first call the office of fair training and cab.

Thank you for signing I will post them in other forums as you suggested many thanks.

I have set up a petition to close down minicredit if you want to see them gone then please sign, more people that sign the better chance we have. The address is www.ipetitions.com/petition/closureofminicredit

I have set up a petition to close down mini credit and have their licence revoked. How would like to see the end of this company if you do then please sign, more people that sign the better chance we have. The petitions web address is www.ipetitions.com/petition/closureofminicredit

I am going to do my best in setting up a petition the more people sign the better chance we have to shut them down once and for all.

Thats not a bad idea at least that way your money is safe, that might only work if others have not paid their loan off, or that can work if a payment plain has been arranged. But as you said they do try taking small amounts first and then larger amounts which could leave your account empty I dont think they can do that I will need to do some research because that would leave you pennyless, ill have to get back to you on that.

Santander do faster payments I know I use to be with them the only information they have is your card number you dont even need to open up a new account just report your card lost by doing this the card details that they have wil be blocked and ou will receive a new card with different card numbers expiry dates. Its never to late to get incontact with mini credit through email or post. Dont just give up like that they want the money you owe you have that power they dont, offer them what you can afford, also they can not make you pay what you cant afford. If they refuse just send them some postal orders but copy them to prove that you have made payments and if they take you to court which I doubt it due to their high rates and their collection recovery costs beeing £100 they would not stand a chance. KEEP STRONG DONT LET THEM MAKE YOU FEEL THAT WAY if you do then they will beat you.

Hi You are asking for an address to mini credit well here it is. 30 Borough High Street, London SE1 1XU. If you google this address you will find that it is an address to a pizza restaurant called ALMA'S The only email address I know of that does not return an automated reply is claims@minicredit.co.uk I am not sure if they will respond. I sent them an email today I have heard nothing back. Mini credit are not an easy company to negotiate with, there are so may complaints about them and their charges. SO I am thinking about setting up a petition to shut them down once and for all if anyone has anysuggestions what to put on the petetion I will be most greatful. Once I have finished with them the only thing they can lend to customers is a pizza takeaway.

I know what all you mean, minicredit are not a friendly bunch to talk to. I am also in the same situation but at the moment I am battling with them I like a good fight. I have sent an email with a payment plan arrangment, lets see if they accept as now I have gone to a dmc. They have told me that they are a hard company to please so they have advised me to make some sort of agreement. No doubt they may mention about court proceedings if they do then I will tell them that it is a wast of time because i am on a dmp the judge most likely will rule in my payment offer. oh mini credit has blocked my account so I cant log in. Besides all that I have read other posts in regards to minicredit and they are not good. I want to see thier ccl revoked so I am thinking about setting up a petition to sent to the OFT to get them shut down once and for all. If anyone has any ideas on what to put in the petition I would me most greatful Thanks

Ok if you just think about it no crediter can also have a DCA they pass it on to them which is a diffrent company altogether. Second of all these DCA I am starting believe that they are not DCA they buy your debt from the payday loan companies that is why they are so abussive. If you dont want your credit score to be affected dramaticly you need to take action before it gets that far namley asking for a copy of your CCA. Yes you can get this from the DCA but it could take longer then from the original crediters as they need to get them from them first so wouldnt it make more scence to get it from the creditor instead of a DCA. That is why I believe it is best to deal from the main source then someone else. If you still think that I am wrong then fair enougth all we can do is help people the best ways we can.