Hi there,
First time posting on here but i always look around CAG. glad you guys and gals have this lovely little help service
Im also in trouble with Minicredit which has now escalated to Opos debt collection
I orginally took a loan out just after i lost my job to help pay my rent,
i took a £100 loan which they charged me £20 fee for transferring the money
i defaulted on the loan and they email me with
"you owe us £233"
thats to start with,
after 2 months i recieved a letter through the post (delivered by the postman)
stating they are charging me £100 for doorstep collection.
.. nobody has ever knocked my door or i would have spoken the representative,
a month later the same thing, postman delivered letter, £100 charge added, no person knocked my door,
i email them 3-4 times saying i would not pay the amount they asked for
and used an idea of offering the original loan amount plus 1 month interest,
i had no response from minicredit....
3 months passed and i recieved a lovely death threat email from Opos saying i needed to pay £1062 immediatly
or court proceeding will be filed with 28 days,
i emailed them just now and told them to send it back to minicredit as i will not pay £1062 for a £100 pound loan
far as im concerned they can come collect the orginal loan amount and 1 month interest tomorrow if they want i got the cash in my kids saving account.
what action can anyone recommend as i feel very worried that my son's saving account may be empty by christmas 2013
please help me