Issues with Minicredit... Please Help!

[gloryninja]

hi,

 

im new to the forum and was recommended by someone whos been through problems which i am going through right now... nd please don't judge me for taking out these pay day loans as im living a very difficult which force me into the payday game.

 

basically... iv applied for couple of payday loans to pay of some bills and for basic needs. ive paid of 1 loan already and awaiting to pay of the other two... the problem im having is that since i joined CCCS to help me out, i done a payment plan with TxtLoan which were easier to handle and weren't really rude over the phone but with Minicredit they wont budge. i took out a £100 loan which to be paid back next month and note that i have taken loans of them in the past but paid them back promptly.

 

i had difficulties paying mini credit back because my money was cleared from my account by other direct debits and return fees. i was panicking and did not know what to do. i emailed them and notified them telling them my situation but all i can see in there website is my £100 loan going up to £180 in a week. since i could not get a payment plan of them i joined CCCS which helped me alot with my other creditors.

 

in been 2-3 month now and still mini credit is refusing payment options and go they don't deal with management plans etc. i decided to call them and it was a bad mistake, they women who picked up was rude and just kept saying i need to pay them back. my loan is gone up to £500 now and they have sent me letters saying they are going to send door step agency to my house. i have contacted CCCS but they keep telling me to send those template letters to them which i have been doing, but all i get from mini credit is more threats.

 

i really don't know what to do, i am a full time student living with parents and working part time. i have done some overtime during the Easter break but that is all the overtime they have to offer and i can partake in. i really cannot offer minicredit more then £20 a month but they just wont agree.

 

please help!!

[sillygirl1]

Do not talk to them, email them so you have a record of their stubborn attitude, if this got to court your other creditors would be taken into account and the fact that Minicredit don't want to come to an arrangement of any kind would go very much against them.

 

Work on the basis of the original loan amount plus one months interest, that is what the courts have been approving for payday loan companies, due to the high interest rate and short term nature of the loan.

 

Get another bank account, Halifax Easycash is a good option, online and telephone banking and you get a debit card - do it online and there is no credit check (not to say though that Halifax won't get another company to credit check you... haven't had this confirmed yet).

 

Keep off the phone and keep emailing Minicredit on any email you can find for them, that way you have a record of what they are like.