Hi. I'm by no means at all an expert and only speak from my experience but I too had debt with mini credit, £861 from a £100 (£80 after their admin fees) in 2012, long story short I paid back just over £250 then had a stay in hospital when I came out the debt was over £500 so I regretfully ignored it and haven't paid anymore. Hence it being £861. Anyway. I found on another website an email to send with the view of complaining that they didn't act fairly. I sent the first email and within 15 mins was offered to pay a further £122 and get a partially satisfied on my credit file. I replied asking for all charges to be dropped as I had paid back over £250 and get a partially satisfied. (Knowing obviously the debt hasn't been fully satisfied so a partial is fine) however they have just replied today offering if I pay the £122 I get a fully satisfied.
If I was you I would google 'unaffordable loans' that has all the info there. There has been lots of people getting their money they have paid back and the amount owing written off.
Sorry if it's not ok to mention other sites on here. Feel free to delete if not allowed.
