Welshy27, I am inclined to agree, although it was not my intention. It is only the stance taken with this particular company. Renegadeimp, you've made an assumption in this regard; I have contested the amount from the day I had the misfortune of defaulting and I have more than enough pieces of paper to cover myself. Only since they continued to ignore my letters and emails, and drove the amount past the £900 mark ,did I choose to ignore them. That they passed it on to MH makes it worse, as they now want to give me a discount on an amount that cannot be justified, considering the original load was for £100. So I would ask, bearing in mind that I speak of Minicredit only, what else is one to do when they act in the way they do? they ignore correspondence, they lie, they try to intimidate clients, does there not come a time when enough is enough? I personally do not think they will take me to court (of course, it's 50/50) but I do believe that I would have a good case. Maybe the post was a bit gung-ho and I should have worded it better. A lot better! But just to reiterate, I have had enough of the way they have treated me and I personally think that as a company, Minicredit's days are numbered; If they wish to ignore me what else am I to do? That's not a rhetorical question, by the way.....

NoW, I know this isn't the done thing, and no doubt my post will be removed. I originally borrowed £100 - £20; £80 in my pocket. It is now around the £1100 mark. I have done my best with these people to arrange repayment of the original amount but to no avail, and they are just a bunch of gangsters. So unfortunately I have felt the need to act in a less than decent fashion with them. I have ignored them. Their letters. Their emails. The lot. They can do nothing to me. Yes, it's a blot on my credit record bu so what? After what they put people through they deserve it. I suggest more people do likewise. They are all wind and y-fronts. Let them carry on. Mucky Hall are now in possession of the debt, I say let them dare even try to enforce this ludicrous debt; it wouldn't stand up in court. POWER TO THE (POOR) PEOPLE!

bump!

I had a response to the email I'd sent them the other day, it said the cheque had been sent. Ahhhrrrgghhhh! Well I didn't have it! I asked for it to be sent straight to my bank account instead, they promised to do this.... And I got my money back this morning. Minus the £5 "fee" allowed in the CCA, but after all the hassle, I'll happily let that slide. But of course there are others that may not get their money back, though.

Did you know there are 199 businesses at the address of minicredit? Of course,I know its a mailing address but I'd love to know exactly where these hoodlums are based!! BTW, Company documents show this muggins as an ex-director, he even has his own website - ahh http://norriskoppel.com/

I think this thread relates to my one - can they be merged?

Even after all this pants with the OFT and Minicredits pathetic reply to the Beeb, Minicredit still refuse to reply to my letters and my emails.

I bought a mobile phone from CC about 6 months ago now, it was fine at the time. I checked it before I bought it, everything was good to go. Until this weekend! The phone has now been blacklisted. Now, there are only two reasons this can happen, as you know. That the phone has been reported lost or stolen. And furthermore, there are only two people who would have been able to do this. Either myself, with my current provider as they have solid proof of my SIM being connected to the IMEI (the security serial number) of the phone, or the original owner, as they would have the paperwork relating to the phone and its original purchase. I bought it for quite a good price from Crap Convertors, I was under the impression it was an unclaimed pawn. Nothing new in a shop like that. What I'm thinking that may have happen recently though, is that the person who sold it to CC has pulled an insurance jobby, and told their mobile network that the phone has been lost/stolen. This may get them a nice new phone, but it has left me with a non working phone. It can only be the original owner, the networks don;t just let you give them any old IMEI and bar it, they do checks. But I do not intend to be out of pocket here!! What are m rights in relation to Cash Converters? I'm straight down there tomorrow asking for a refund but what if they try to say "it's out of warranty" etc? Surely there is no such defense when they have sold me a phone that has subsequently been blocked? I can't see anything on Google in this respect, I don't know which bits of Trade law relate to such an event. And if CC still want to muck about, should I report this to the police? Surely a fraud has been committed by the original seller of the phone here?

Just read your post, bit of an idiot. Funnily enough I had just emailed them regarding this matter when I saw your reply to my thread in my inbox. I haven't updated you all for a while but as you were aware, I got nowhere fast with not only myloan, but also Natwest and Visa. By god, Visa will be getting a vicious email from me. They spoke to me like a mug because, in their words, "you've taken out a lot of loans lately so you must have given them permission. No investigation, no nothing. Just the assumption that, because I was short of cash, I'm some kind of untrustworthy idiot. Natwest were no better, they said that technically, the taking of the money by myloan did not constitute fraud. Well, the next time I take money out of somebody's bank account without their permission, I'll use that one in court After much toing and froing with this company, I decided that my best course of action would be to cancel the agreement. I maintain that i never made one in the first place but the agreement was there regardless. I'd rather lose a fiver than carry on this malarkey, so sent the request in. They attempted to ring me that day, I did not answer them and emailed them again to remind them that i only wanted correspondence to be made via email. Myloan emailed me the day after and said they'd sent me a 'fraud pack' that they needed back with a load of documentation of mine required to make a refund. I told them that I had not received a 'fraudpack' and in any case i would not be sending them any documentation of mine in the post. No way pedro. No reply, no reply, no reply..... I sent another email a couple of weeks ago. This time, I used a bit of common sense in regards to the email recipients, in the hope that i could have it sent to the directors inbox too. And he received it!!! In total I had sent the same email to around eight employees or mailboxes within the company, including the directors email. The response was from their customer service supervisor, Emily Worthington, who said that the cheque would be sent to me on the 27th February. As of today,it is not with me, hence me sending them a query this morning. I'll keep you updated...

A bit of background. Currently owe around £1000 to PDL's. Also a debt of around £1400 to Welcomme Finance, although they haven't physically caught up with me. Various catalogues totalling around £300 gained around 4 years ago, and 2 old credit cards from 4-5 years ago totaling around £500. None of the debts are statute barred. Each of them want their money. I started work a few months ago but it hasn;t worked out. I suffer from ill health and will have to resign very soon. Te worry of this all does make me ill, I cannot pay the debts, I've never been able to. I'll have to go onto ESA now I believe (Incapacity Benefit has been scrapped now), so won't get much income, around £100 a week if I'm correct. I have been looking into a debt relief order and see this as my best option but it sounds too simplistic and I'm wondering if I'm missing anything. Please, please, no smug comments, I just need some sound advice. The questions are there, I'm reaching out for advice from those who have been subject to a DRO, and also some professionals out there.

I can't get the blasted lid shut on this thing.........

EDIT - The question was there, it was answered; I'm not sure what the point is that either of you are trying to make but you are free to air your opinions

I don't want them to add extra charges. Simples.

I was never questioning why she never came back, I said it was a shame she never came back. We all wonder how these things turned out, it's sometimes nice to know from the person themselves the outcome, but of course this cannot always happen. Neither did I underestimate the issues that spring up between us and our loved ones when we have these problems. What I meant, and I'm guessing you misinterpreted what that was, is that some of us become carried away with the worry of what others may think about our debts rather than the main issue, which is of course the debts themselves. We've all done it, Even now I hide my debt issues from some of my loved ones, but it's not exactly perfect is it?

it'a a shame grapegirl never came back - I must say her thread was a peculiar one, in that she knew she would default but was more worried that other family members would know she went to Wonga. In fact I made a guess from a few things that she was quiet young and to me that is a shame as it shows how society fails to educate the young properly on how to hand our finances. EDIT me being one of those who were never "shown the way" lol