Super Daz, I might just do that, I just want to get it sorted out at a reasonable fee and they're not cooperating very well, granted it was my own fault to begin with but it should have been dealt with by now, im still waiting on the complete breakdown. They've contacted via email, nothin vicious though, just "how to pay" emails. Nothings happened since I received that letter really.

did ya? ah that's great, thanks for telling me, gives me more confidence to ignore it, thank you

so I still sit tight for the breakdown, phew, that's a relief, thank you

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Just had a letter from DRS (Debt recovery services): FINAL NOTICE OF INTENT "We have been advised by Opos Limited that you have refused to make payment or agree a suitable repayment plan on your account despite them being unaware of any reason you may have for avoiding this matter. We are therefore left with no alternative but to consider your account for recovery of the outstanding balance through your local County/Sheriff Court. Court fees and Solicitors costs will be added to the balance for which you are liable, plus statutory interest, which will accrue at a rate of 8% P.A above base whereby the following action will be considered upon receipt of judgement/decree:- Arrestment/attachment of your earning at your place of employment securing monies owed via an inhibition charge order against your property We trust that you will now give this matter full attention and remit to ourselves the full balance outstanding within 7 days receipt. Unfortunately should you choose to ignore this document then proceedings, if instigated, will be done so without further notice. We recommend that you take this opportunity to resolve this issue Should you wish to discuss this matter further you must contact within 7days receipt on #" scare tactic or legitimate? please advise

Hey, they still haven't sent me a break down, but they have sent a settlement offer via post... which is obviously unfeasible to pay within the fourteen days, i still haven't responded- and the settlement offer date has passed. Is it worth sending another letter asking for the breakdown, or should i just leave it at that?

That gives me great confidence Renegadeimp. I have emailed: To Opos Limited, I am writing to request to see a full breakdown of the amount due before I begin to make payments. Please get this to me as soon as possible. thank you *name* Obviously including all relevant reference to my account __________ will send a letter via recorded delivery tomorrow

So once i get the breakdown I can tell them to take off the extra charges? Ill write to them as soon as possible, and update this thread when i get a response. Thanks very much for the advice

So I should email/ send recorded delivery asking for a complete breakdown? are they likely to respond because Mini Credit Never did, even when i mailed by recorded delivery. Here's the info i got from Mini Credit We are able to accept the amount of £1064 as a full and final settlement repayable under a payment plan through our debt recovery partner. The settlement balance consists of the original repayment amount £400, interest of £584 and the overdue penalties of £80. The contractual interest rate is 1% of the principal per day from the date of issuing until default date the 120th day overdue. The first overdue penalty of £25 was added on the 3rd of June 2012 and the second overdue penalty of £55 was added on the 5th of June 2012. The above described overdue charges and interest is in accordance with the Loan Agreement original loan was £400: "Microcredit Ltd received the loan application for £400 on the 7th of May 2012. The due date was chosen to be on the 2nd of June 2012" The amount i was meant to repay, a believe was £520 on the 2nd june I have print screens of the following information too if that would help: By the 7th June it was upto £672 13June £718 20 June £806 27 June £889 28 June £908 the outstanding balance that Opos have contacted me with now is £1064

Hi there, sorry to sound like a broken record and i have had a look through some Opos/Mini Credit threads on here, but i need some tailored advice. My account has already been passed through to Opos. I contested charges with Mini Credit, but of course they refused to waiver the charges. Opos emailed me yesterday to get in touch with them to start the process. Firstly, before i call them, are they known to be rude/not very understanding? i ask because i need to prepare myself to deal with them as I'm not very strong-willed/minded when it comes to such things which will make it easier for them to screw me over, and i fear that i will just pay back what they ask instead of standing my ground- which i know i should do. Also how would i go about bringing the figure down, and paying just what i owe, as opposed to the charges they've added (yes i know if i paid on time i wouldnt have to pay those charges, it is my own fault, but it would really help if i could minimise it) this is the information Mini Credit sent me: We are able to accept the amount of £1064 as a full and final settlement repayable under a payment plan through our debt recovery partner. The settlement balance consists of the original repayment amount £400, interest of £584 and the overdue penalties of £80. The contractual interest rate is 1% of the principal per day from the date of issuing until default date the 120th day overdue. The first overdue penalty of £25 was added on the 3rd of June 2012 and the second overdue penalty of £55 was added on the 5th of June 2012. The above described overdue charges and interest is in accordance with the Loan Agreement. What of that can I ask to be taken off the settlement plan? and how would i go about this? Am i allowed to tell Opos to bring the figure down? and if i cant pay back the reduced amount in full there and then, does anyone know if i'll still be allowed a payment plan at the reduced amount? *headache* I think that will be all for now, would really appreciate the advice guys. cheers *edit* also can anyone give me any jargon i can blurt out so when i call them it sounds like i know what i'm on about please