Hi All, Just a quick update on this account. OPOS finally got in contact with me after making a formal complaint to them about mini credit. I finally after months of emailing them backwards & forwards they finally agreed to settle this account at £400 which was orginal loan plus interest (the orginal repayment due). I requested all documentation mini credit has and a list of all payments, interest and fee's from OPOS which they provided within 7 days which meant i could make my offer. So if anyone is thinking they will never come to a resolution with these muppets then don't worry it can be done. Just make sure you dispute the amount with OPOS and make contact with them in writing only (i used email as it's quicker). Then make a cheeky offer on the account and keeping working until you both reach a solution that is suitable to both parties. Make sure you get a letter on full & final settlement of your account otherwise they could come back to bite you at a later date!! I am so happy this has gone away and will never ever use a payday loan again!! Don't despare there is light at the end of the tunnel!!!

Hi all, Just thought I would give you all a quick update on my problem with minicredit. After months of hearing nothing they have asked their sister company OPOS Dca to send me a few threating letters saying they will take me to court for the (wait for it) £1340 now owing on my £200 original loan. These clowns ring me 10-15 times a day, they email me and send me letters. They all send the same old threats. After making contact with OPOS in writing disputing this amount. I'm still awaiting a reply. I'm still waiting to be taken to court, only been waiting 5 months now. These people are idiots and don't comply with the law!! If anything I now find thier empty threats really funny. Any suggestions on getting rid of these clowns?

Just some helpful information for you with regards to the doorstep collectors, i have emailed mini credit about 50 times tonight by email with regards to the doorstep collectors and they will automatically turn up after 30 days past your due date (you have 90days from the due date to clear the balance, but they won't stop interest) they also confirmed in writing that they will postpone the doorstep collectors for 30 days after each partial payment made to them, so make a small payment of £10.00 ( i used ukash ) and that should keep them at bay from your home, it was a big worry for me also, so just keep making a pest of yourself by emailing them as much as you can and they should get the picture.

Hi all, Just a quick update on my problem with minicredit. I have made a token payment of £40.00 for now. I got a response from C.D, they agree with all of my points on this company, and have passed the details on to trading standards to choose if they wish to take the matter any further. I have emailed them today as i received an email stating if full payment was received by today 16/12/11 then they would contact my employer and send doorstep collectors to my home. All i ever seem to get is a automated response stating that all amounts must be made witin 90 days of the loan issue date to stop legal action (bring it on). I am most worried about these doorstep collectors. I shall just have to wait and see. I also advised them in my email that consumer direct said they must not contact my employer or visit my home as they are harrasing me! Thanks all for your help!!

thanks very much for the information. I have sent an email to consumer direct in hoping they will help. Mini credit have advised me no payment plans, no settlement offers, no nothing basically. So pay the full amount by Friday or doorstep collections will come to my home. Would you recommend me making any token payments on this account? See if it will keep them at bay for a while whilst i get some more money together to pay them? thanks again.

I had a loan with moneybox 24/7 and failed to meet the payment, but i found them ok to deal with but as i did i would phone them up and make a settlement offer on the loan and asked them to stop calling you. I wrote to them and advised them all contact must be by email or phone. Hope this helps.

I stupidly took out a minicredit loan for £250.00 on 18/10/2011. The balance now stands at £679.00 due to all thier charges etc as i was unable to pay the loan. I have spoken to them to advise them i cannot pay due to my hours being cut at work and no way of getting that sort of money at the moment. I have emailed them and offered a settlement payment of £400.00 but i am still awaiting reply. They have today emailed me advising me they are going to contact my employer (which is never good) and if no payment is made by the 16/12/2011 then the doorstep collections will come to my home and demand payment. Does anyone have any advise as to what i should do? thanks x