I use to have an accountancy firm taking care of that, but I had some financial issues and couldn't pay them any more I stopped using the accountants one year ago

Thanks for your advise, so how do I fill them? I don't know anything about that and don't have and can't pay an accountant now?

What happens if I am prosecuted? can I still have a normal life, work? because it doesn't say anything about prision.. just a criminal record and penalties. What if I move to Ireland? I have a job opportunity there.. would it be more convenient to not be here ? (not planning to leave that unattended, just doing it from there) Thanks

I am just back in the uK, I going to start work soon but don't have any money now... I am very depressed... thanks for your answer

I have a problem and went out of the country for a while, on my return I have my company with a proposal of strike off flag, so as i wanted to keep operating with the company I called Companies house and asked what do I need to do. They reply this and I am scared, what are my options please? I still have time to fix this? --------------------------------------------------------------------- I can confirm that the following documents are outstanding: Accounts for year ended 31/07/2013. Annual Return (Form AR01) for period ending 15/07/2014. As the company is required to remain on the register, the proposed strike off action has been discontinued. Failure to file accounts and annual returns within the statutory times allowed is a criminal offence and due to the seriousness of the defaults, we are commencing prosecution action against the directors immediately. Conviction for these offences will result in a criminal record and a fine of up to £5,000 for each document not delivered on time. As these accounts are already late, a civil late filing penalty will automatically be incurred when they are received and accepted at Companies House. The amount of the penalty increases with the length of delay in delivery and is separate to any criminal proceeding being considered against the directors. Failure to comply with the filing requirements of the 2006 Companies Act in consecutive years will result in the penalty being doubled for the current year’s accounts. You may be able to deliver your annual return and certain types of accounts online via our Web Filing service, which has in-built checks to ensure that you get it right first time. Our web-site www.companieshouse.gov.uk gives information on this along with a full range of guidance booklets and forms. ------------------------------------------------------------------------- Thanks a lot.

After posting the last one.. I found this.. what a coincidence.. http://www.guardian.co.uk/money/2013/feb/15/force-payday-lenders-stop-trading

Look what Step Change sent me regarding Minicredit: "We are currently not sending payments to Minicredit. They were not cashing the cheques we were sending to them. The company is currently being investigated. Minicredit are passing some of their accounts to third party collection companies. "

What do you exactly mean with "report it" , I am willing to do it but don't know actually what that means Sorry and thanks for your continuous support!

I received this today, what do you think? We do provide the option to make partly payments of any amount on Your MiniCredit.co.uk online account 24/7. We accept all payments You make on Your MiniCredit.co.uk account. All the overdue charges and interest will be added daily until full repayment, we do not have the option to freeze the balance according to the Loan agreement and the Loan should be cleared by the 120th day overdue to avoid Legal action. All payments have to be made by a debit card according to the Loan Agreement. The possibility to make payments using a different debit card once only is provided on Your MiniCredit.co.uk account. If You do not have a debit card to use to make the payments please learn more about the option how to use Ukash vouchers on Your MiniCredit.co.uk online account. We can also provide You with these options: The first option is a settlement. The settlement means that when You contact our Customer support we are able to reduce the current outstanding balance and waive some of the failed debit attempt fees. The settlement must be paid over the phone during the phone-call with a debit card. The second option we are able to provide You is a settlement plan. We provide all our clients 120 days from the due date to make payments of any amount towards their outstanding balance. You would need to make at least one payment a month towards the balance. Before the 120th comes days You would need to make a full and final settlement offer. Microcredit Ltd will then overlook all the payments we have received and they will be taken into consideration while calculating the settlement. The reasonable settlement amount must cover the daily interest for every day our funds have been used, the loan principal and the two penalties for breaking the Loan agreement. The interest is 1% of the Loan principal per day. We are able to decrease some of the failed debit attempt fees. Microcredit does not provide You the dates nor the amounts when You need to make the payments. The partial payments possibility is available 24/7 on Your www.minicredit.co.uk online account under "Repayment" section. The most important part is that at least once a month a payment of any amount must be made. The loan should be cleared latest by the 120th overdue day. The settlement can be discussed at any point when You have a larger amount available to offer as a full and final settlement. The third option is a payment plan. The payment plan means that we will add the default date interest to the loan principal, the two penalties for breaking the Loan agreement (£80) and the decreased debit attempt fees and forward the account to our debt recovery partner from the beginning of the next month. The default is marked on the credit reference but You will be able to make the payments on a monthly basis to clear the balance.

I gues this is very bad as well: "Please bear in mind that Microcredit Ltd is not able to stop the automated debit attempts so if You have the possibility then cancel the card that is registered in the system" How it would be possible that they cannot control their own automated system? Total Rubish, this is not an excuse. I guess that they need to stop taking money if I tell them that I don't authorise them anymore or I am wrong?

I just think I didn't have time for all that, but will see, if they don't do their job right I will step in Cheers

Thanks guys, I was surprised that Step Change doesn't avise like you do, they just said, "try to speak to them so they transfer the debt to a third party as they don't accept DMP"... don't like that.. Anyway I will go with your reccomendations, thanks a lot.

Ok, but should I try an contact them to know my options.. or... I can maybe the payments like £20 per month or something like that? Just in case they want to go to court to show my willingness to pay. Original loan was £400, current balance $650, what would you do renegadeimp? DMP is all set for other creditors and first payment of £200 is due in March. Thanks million.

Hi I set up a plan with Step Change (formerly CCCS) and Minicredit is not happy. Apparently they don't accept DMP's or something like that, but what is more strange is that I recieved a call from Step Change saying that I should contact them to tell them to send the debt to a third party so Step Change can deal with the debt. (DCA or something). I don't know.. it doesn't makes sense to my, this is the email I received from them, what should I do please? Thanks! "Microcredit Ltd does not deal with debt management agencies directly due to the Loan Agreement and the payment methods we have to accept under it. All Customers have to make payments with a debit card according to the Loan Agreement and that is something the debt management agencies usually refuse to do. If You would like a Debt management company to act on Your behalf they would still need to honour the Loan agreement You have signed with our company. The debt management plans also last over 120 days from the due date so that the default on the credit reference cannot be avoided. When the loan is defaulted the account will immediately be forwarded to our Debt recovery and Legal action partner. They will then decide whether a payment arrangement can be set up with You if the payment offer is reasonable or start Legal action to have the Court order set on the payments. You are able to choose between 3 payment options: settlement amount paid in full immediately, settlement plan and payment plan. The settlement amount has to cover the loan principal amount, interest 1% of the principal per day and overdue penalties of £80, the debit attempt fees are decreased depending on when You notify us regarding the financial difficulties. The settlement payment can be made with a one-off payment with interest added up to the date we receive the payment. You may also clear the settlement payment by partly payments latest by the 120th day overdue if You wish to avoid the default status on the credit reference. The interest calculation will end with the date of the last payment. The settlement amount with default date interest can be repaid over a longer period through our debt recovery partner with a payment plan but this option will include a default on the credit reference. Microcredit Ltd has provided the Customers, who wish to apply for the payment plan, the possibility to fill in the hardship form on the online account. Many Customers do not wish to set up a long term payment plan with our debt recovery partners as they are able to settle the account within 4 months from the due date. Please bear in mind that Microcredit Ltd is not able to stop the automated debit attempts so if You have the possibility then cancel the card that is registered in the system."

I am wondering how they can take money only knowing sortcode and account number, can they do that on any account or only accounts related to cards that they previously used via CPA? Thanks for coming back