hi, i have been in the same boat as you since december with minicredit, 100pound debt now like 800pound, they threatened court action about 2 months ago but i have not heard a peep from them since. I even stopped making token payments as these were not even close to clearing their daily charges. Now I have no idea what my debt currently is as it says my accounts blocked. In my opinion dont be afraid of any of their threats as they never carry through with them (ie debt collectors) and i have recently discovered that they run their bussiness out of a pizza shop in london, which makes them sound even more of a joke to me.Let me know how you get on
Tim