indebt00 - help with minicredit please

[indebt00]

i have managed to make a complaint about these horrid lot!!! thanks for everyones advice. i also asked minicredit for a breakdown of charges and this is the reply:-

 

1) You took out the loan for £100.00

2) The first penalty of £25 was added on the 7th of May 2011

3) The second penalty of £55 was added on the 9th of May 2011

4) Interest is 1% of the loan amount per day in total £90.26

5) Attempt fees (when our system attempts to receive the funds from Your debit card) £3.00 per every empty attempt in total £282.00

6) Debt expense recovery fee of £100.00 that was added on the 30th overdue date when the matter was given to a doorstep collector.

We have received partly payments 2*£25 on the 7th of May, £4.50 on the 3rd of June and £150.00 on the 7th of July 2011

In total outstanding balance at the moment is £447.76

 

 

i didnt make payment on the 7th of may it was the 9th and i dont recall making a payment on the 3rd of june it was the 6th of june. and oh my goodness to number 5 (attempt fees) i wasnt told about this!!!!!!!!!!

 

 

Kind regards

MiniCredit.co.uk

Client Support Team

[sillygirl1]

Get that to the OFT pronto - they CANNOT charge £282 to attempt to get funds, totally wrong, so is the £100 doorstep collectors fee, very much agaist the OFT guidelines.

 

All you do owe is the original loan amount and one months interest, nothing more.

 

Should they try court with that lot they will be the ones squirming in fromt of the judge....

[karlito78]

Oh goody, i'm on to the Fredrickson International stage. These people are equally odious tbh. It's quite fun to phone them up and get them squirming when you point out all the ways they've acted illegally, though.

 

Being threatened with court action, although I think we both know that it won't get that far and what the result would be if it did. Let them keep threatening. I'll just enjoy the sunshine.

[indebt00]

hi all,

an update with whats happening so far.........after paying minicredit £150 (only took a £100 loan) to settle my account, which they refused to settle my account but i still paid them. they have passed this debt onto fredrickson international and they are asking for £590!!!!!!! any advice please???? x

[dx100uk]

freddies can do nothing to you.

 

sit tight

 

dx

[indebt00]

what reply shall i give e.g.. send a letter o some sort, or do i just ignore them???? thankyou

[dx100uk]

sit tight

 

dx

[sillygirl1]

Ignore them, they will pass it to Bryan Carter (who is in the same office) You then tell Mr Carter you can prove you have repaid the original amount borrowed (which is what a court would ask) and the game is well and truly over.

 

What you must now do is report the companies involved to the OFT and Trading Standards, Minicredit in particular should not have passed this alleged debt on and Freds can't justify the sum they are asking.

[roxy2010]

Dear sillygirl

 

My minicredit account has been passed on to Fredricksons. I already paid Minicredit over £200 and they said I still owed £510. I have wrote several letters to Fredericksons telling them I wont pay another penny I have told them to take me to court on Minicredit's behalf so will just hang fire and see what they say next.

[indebt00]

hiya all just a update, ive recieved a letter before action from fredricksons asking to pay up etc what do i do????? X

[karlito78]

hiya all just a update, ive recieved a letter before action from fredricksons asking to pay up etc what do i do????? X

 

Do absolutely nothing. You could phone and/or write to them informing them that you have no intention of paying.

 

Either way that letter is just a bullying tactic and you shouldn't be scared by it. They rely on enough people being scared by the threat to make it worthwhile i/e the poor folk who don't know about this lovely forum.

 

They're greedy selfish money grabbing parasites who thrive on misery. You've given them enough already so i wouldn't even give them the dignity of a response.

[indebt00]

ok thankyou for the response x

[sillygirl1]

Send back a text or email stating you have been trying to contact them about a repayment plan and are now going to report them for non communication to the OFT and Trading Standards - play them at their own stupid game.

[indebt00]

i have sent a letter recorded delivery to fredrickson telling them i aint paying another penny as i have already paid £150 to minicredit on a £87:50 loan!!!!!!!

[indebt00]

hiya all, i have today recieved a yellow card/letter which says CONFIRMED RESIDENT. And goes on saying that this account is seriously in arrears etc what do i do

[BRIGADIER2JCS]

Was this an open post card with

details of the debt for anyone to

read????

[indebt00]

no it was in a envelope, it says tje above plus - despite trace enquiries showing you as living at this address. also says contact us on........ or your account may be passed to solicitors to consider legal enforcement without further notice x

[BRIGADIER2JCS]

No specific answer to the letter

mentioned in post 66#?

[karlito78]

no it was in a envelope, it says tje above plus - despite trace enquiries showing you as living at this address. also says contact us on........ or your account may be passed to solicitors to consider legal enforcement without further notice x

 

Solicitors have no more power to 'enforce' the debt than Postman PAt. It's a meaningless threat tbh.

 

They can only enforce the debt once you have been taken to court. Which they won't do. Ignore them.

[indebt00]

it was like a postcard in a envelope xx sorry if i dont make sense

[BRIGADIER2JCS]

Karlito

If you had read the post it refers to passing the matter

to solicitors to consider legal enforcement ie., issuing

a county court claim and it will indeed fall to solicitors

to enforce any judgment through the court system.!!

[BRIGADIER2JCS]

No reply to your RD letter as in post 66#???

[indebt00]

what should i do???? Xx

[BRIGADIER2JCS]

I would repeat the the letter you

have sent to Freds, the debt has

been more than paid any further

amounts claimed seem unfair.

[BRIGADIER2JCS]

I would repeat the the letter you

have sent to Freds, the debt has

been more than paid any further

amounts claimed seem unfair.