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

thats great thankyou, will send tomorrow

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.

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 The second paragraph of their letter reads "Therefore the licence you state that has been revoked is irrelevant which for the avoidance of doubt we do not agree to, is not binding on us as it does not fulfill the relevant principles of contract law" I have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,

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 The second paragraph of their letter reads "Therefore the licence you state that has been revoked is irrelevant which for the avoidance of doubt we do not agree to, is not binding on us as it does not fulfill the relevant principles of contract law" I have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,

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?

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

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

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?

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

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.

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.

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?

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

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.

hi cant find any bank details for minicredit, anyone know how else i can pay them without the use of a debit card, all my money is secure and wont be giving them details of my new debit card, they are ignoring my emails so am expecting a battle with them, do i pay what i can afford each month, when i know how i can pay them,or wait until it goes to a dca?

has anyone got the bank details for minicredit at all, i have details for the other payday loans ive got and trying to deal with but cant find anything for minicredit

hi, i had a payday loan with minicredit and should have paid £117 a couple of weeks ago, they have added so far £25 and £55 for NOT paying, i can pay by 20th november, what should i pay? the £117 and the 1st default of £25? (£117 was for a £100 loan but 19.50 was taken out before i even got the £100) i have a couple of others too, one with wonga who are being a nightmare at the moment, but do i pay what i can each month,have the bank details for them, and pay only the original loan plus ?? how much? any further letters to send to help to get them to accept a payment plan would be much appreciated please, i dread to see how much more theyve added on, need to be a bit firmer with them i think but what do i say?

hi 2009dg, i emailed them with a 3 month payment plan, it is one of the lowest payday loans ive got so wanted to get rid of first, they accepted, but since paying the 1st one on the date i had agreed, via online faster payments, so it got to them the same day it was promised, they have emailed to say how did i pay as they had not got it on time!! its still not come off my account,ive now emailed back 3 times to say it HAS been paid but no replies! next payment is due by 7th nov, if i dont get a reply by then im not sure whether to pay or no!

any advice please on following,from minicredit, have received this this morning in response to an email i sent asking for a repayment plan and that we were having advice from payplan,Did not say i was having a dmp but advice only at present, i should have paid £117 a couple of days ago , my account today now is apparently £214! i also said can i pay by online banking as i do not have a debit card at present and this is the response. Microcredit Ltd does not deal with debt management agencies directly due to the Loan Agreement and the payment methods we have to accept under it. All Customers have to make payments with a debit card according to the Loan Agreement and that is something the debt management agencies usually refuse to do. If You would like a Debt management company to act on Your behalf they would still need to honour the Loan agreement You have signed with our company. The debt management plans also last over 120 days from the due date so that the default on the credit reference cannot be avoided. When the loan is defaulted the account will immediately be forwarded to our Debt recovery and Legal action partner. They will then decide whether a payment arrangement can be set up with You if the payment offer is reasonable or start Legal action to have the Court order set on the payments. You are able to choose between 3 payment options: settlement amount paid in full immediately, settlement plan and payment plan. The settlement amount has to cover the loan principal amount, interest 1% of the principal per day and overdue penalties of £80, the debit attempt fees are decreased depending on when You notify us regarding the financial difficulties. The settlement payment can be made with a one-off payment with interest added up to the date we receive the payment. You may also clear the settlement payment by partly payments latest by the 120th day overdue if You wish to avoid the default status on the credit reference. The interest calculation will end with the date of the last payment. The settlement amount with default date interest can be repaid over a longer period through our debt recovery partner with a payment plan but this option will include a default on the credit reference. Microcredit Ltd has provided the Customers, who wish to apply for the payment plan, the possibility to fill in the hardship form on the online account. Many Customers do not wish to set up a long term payment plan with our debt recovery partners as they are able to settle the account within 4 months from the due date. what should i do next please??

hi, after reading this fantastic website for the last month and followed loads of the advice given i am still having trouble with wonga, PDE and today minicredit, 247moneybox have immediately accepted a payment plan so that one is fine, i have emailed daily with a basic I & E to pde and wonga but just keep getting back same automated, i think, email with interest continually being added, i have told them i will NOT speak to them on the phone, what do i do next, i have a disabled wife and just cannot carry on rolling over each month, have secured my wages but what do i do next as im having no joy with them, also i should have paid minicredit on the 20th of this month but just had no money at all to pay, ive already been hit with a £25 charge and tomorrow theyve said another £55 will be charged, what shall i do? any help most welcome please