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dylan02

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  1. dylan02
    hi yes please, do you have a letter that i could send to fos etc. minicredit are being so threatening and im worried sick, the latest email says if i dont pay by feb i will owe £1866!! for a £100 loan! i geniuely have a very serious illness and the stress is making me worse, i have had managed to get repayment plans with wonga, txt loans (who were brilliant i have to say and the best so far for sorting out) and payday express, who are also a pain, any help you can give would be brill
  2. dylan02
    thats great thankyou, will send tomorrow
  3. dylan02
    ok will def send the cca request off tomorrow, and will report to the oft no problems, as ive said im not even sure what this debt is for, thank you.
  4. dylan02
    thats the letter i sent to them and then got back this back.... ."Resolvecall informs me that as part of the credit agreement I signed and entered into, I agreed to pay the full outstanding balance and that where necessary the creditor could recover the debt by outsourcing the debt to a third party which included by way of doorstep collection. The second paragraph of their letter reads "Therefore the licence you state that has been revoked is irrelevant which for the avoidance of doubt we do not agree to, is not binding on us as it does not fulfill the relevant principles of contract law" I have no idea what this means or to what is refers. They end with stating that they are entitled by law and under contract to recover monies outstanding and can take reasonable steps in accordance with regulatory guidance is there another letter to send please,
  5. dylan02
    thats the letter i sent to them and then got back this back.... ."Resolvecall informs me that as part of the credit agreement I signed and entered into, I agreed to pay the full outstanding balance and that where necessary the creditor could recover the debt by outsourcing the debt to a third party which included by way of doorstep collection. The second paragraph of their letter reads "Therefore the licence you state that has been revoked is irrelevant which for the avoidance of doubt we do not agree to, is not binding on us as it does not fulfill the relevant principles of contract law" I have no idea what this means or to what is refers. They end with stating that they are entitled by law and under contract to recover monies outstanding and can take reasonable steps in accordance with regulatory guidance is there another letter to send please,
  6. dylan02
    thank you will look for the letter and post to them, ive not cca'd them so i assume to do this at same time?, mainly because i am not even sure what debt this is for, firstly they said they were acting for phoenix now it says arrow global, but not original debtor. do i offer to make a small payment each month that i can afford just to stop them coming?
  7. dylan02
    Hi, could someone help me with the next letter to send, i had a visit from resolvecall last week, my partner answered the door and confirmed i lived here!! he was caught off guard! anyway i sent the doorstop letter and got this back today, the creditor is arrow global, resolvecall came to do the doorstop, but return letter is from scotcall, assume they same company?? i think the debt is from a catalogue from a couple of years ago, cant remember last time i paid but at least 12 months ago, and money has been very tight since. this is letter i had today ::Resolvecall informs me that as part of the credit agreement I signed and entered into, I agreed to pay the full outstanding balance and that where necessary the creditor could recover the debt by outsourcing the debt to a third party which included by way of doorstep collection. The second paragraph of their letter reads "Therefore the licence you state that has been revoked is irrelevant which for the avoidance of doubt we do not agree to, is not binding on us as it does not fulfill the relevant principles of contract law" I have no idea what this means or to what is refers. They end with stating that they are entitled by law and under contract to recover monies outstanding and can take reasonable steps in accordance with regulatory guidance, which I assume means they can send someone round?? what do i do next please? any help most welcome, if anyone can draft a reply to help please
  8. dylan02
    i bank with natwest and did everything was advised from this great forum, cancelled cpas etc etc,and thought they wouldnt be able to take any money from my account, today £25 has been taken and microcredit sent an email to me with a receipt for the payment, method they used was paypoint! waiting for manager from bank to ring me back, but anyone advice what to do next please, had a loan for £100 was due on 5th/11 and as at today i apparently owe £273, i assume thats after the £25 has been included! i should have paid back £117,so what do i owe?? any help most welcome thank you
  9. dylan02
    ive had an email back form minicredit who have now said i owe £353, should have paid back £117 only 2 weeks ago!! i asked for a hardship application, which they have said its available for me to fill in when i log on, and then have to fax it to them, dont have access to fax! do i fill it all out as they have asked, its seems quite intrusive, anyone know whats best thing to do please?
  10. dylan02
    hi aww thank you all so much, feel bit better already, i have a serious illness and have had major surgery and cant cope with much more, whats best way to complain to fos etc and what do i put in email to them? any help is def welcome, thank you
  11. dylan02
    ok thats brill thank you, but ive got to try to get minicredit to send it to opus first! i know its their inhouse dca but at the moment the debt has gone from £117 owing to over £300 in 2 weeks!! but will keep those details in the hope that i get to deal with opus.
  12. dylan02
    the trouble with minicredit, and have read this alot on here, you dont seem to be able to pay them any other way, they wont give you bank details or let you pay by any other method than a debit card, so not sure what do to.
  13. dylan02
    really appreciate your reply, thank you. did you do the hardship activation online? did you do the oft complaint by email and if so do you have their email address to hand?
  14. dylan02
    how long did it take for them to pass it to opus? and did you ask them to do this? and how did you pay? i really dont want to give them my new debit card details? thank you
  15. dylan02
    having problems with minicredit, and from a loan of £100 it has already jumped to over £300 in 2 weeks, ive read and read these forums and cant find anyone that has been dealt with positively, there is no proper email address for them,have sent some via their website but they are not traceable so no proof as to what ive said, no other method of paying them apart from debit card, mine has been cancelled and money secured etc, anyone got an email address for them? anyone got bank details for them? how can i pay them without a debit card?? any help with letters or info for them would be great.

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