indebt00 - help with minicredit please

[karlito78]

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.!!

 

That isn't technically 'enforcement' though is it? It's making a claim. A claim which would fail.

 

The word 'Enforcement' has been deployed to create a false image.. i.e one of bailiffs etc, rather than undertaking a course of action that would be highly likely to fail.

[BRIGADIER2JCS]

That isn't technically 'enforcement' though is it? It's making a claim. A claim which would fail.

 

The word 'Enforcement' has been deployed to create a false image.. i.e one of bailiffs etc, rather than undertaking a course of action that would be highly likely to fail.

The post you placed with reference to me being employed

by mini credit just shows how little you know of the real

world, that comment only appears in my inbox it seems

not on the open forum.

[dx100uk]

nope it went out to everyone with alert emails

OTT IMHO, very uncalled for.

watching

dx

[BRIGADIER2JCS]

Thanks DX, I can't understand the logic of

some comments.

[indebt00]

thankyou, for your responses.....so now i will send a letter explaining i have paid more than enough etc....... thankyou again x

[indebt00]

sent a letter to fredricksons, and they sent me a reply. And told me they will put the account on hold untill further investigation. X

[drjiffy]

hi is all this debt accumulated because the loan was not paid back on the first due date? I have just taken £150 with a repayment of £193.27 on nov 14th. Surely if i pay this back on that date no extra charges will apply?

[indebt00]

hi, yep if you pay back on the due date no extra charges will apply x

[sillygirl1]

No, you owe the loan and the interest on the loan on the due date. No other fees should be added on.

 

This, I think, is where people don't realise the amount the interest actually racks up, it would be nice if it was pegged at say £25 per £100 seeing as it is a short term loan and not meant to be long term finance.

 

You will get nowhere trying to repay the £150 only and won't have any grounds should they take you to court.

 

Loan and interest for the period you borrowed applies.

[indebt00]

hiya just a update....as i said i sent a letter to fredrickson explaining that i already have made payment to minicredit etc and that i will not be paying anymore, also saying they can do what they like even take me to court!!!!

 

I recieved a reply from fredricksons which says ' please find account documents, provided by our client, as requested. We hope this clarifies matters and look forward to hearing from you with your proposals for the discharge of this account'....

 

I didnt ask for this informmation???? And also all they sent me was minicredit terms and conditions wit my address and email address and thats all. It does not state my account details, what ive paid, or what i originally borrowed???????

 

What do i do next, any advise much appriciated x

[indebt00]

anyone??? X

[dx100uk]

ignore

dx

[indebt00]

hiya a update on my account... i recieved a letter from fredricksons a couple of weeks account which said my account has been passed back to minicredit... and today i recieved a letter from OPOS, who are now asking me to pay up etc Anyone heard of them???? any iddeas on what to do next please.... thankyou

[indebt00]

Opos

 

Ingram House/227 Ingram St, Glasgow, G1 1DA

[dx100uk]

same

 

dx

[indebt00]

until when???? Do i just completely ignore them...Thankyou for your help x

[sillygirl1]

Ignore them and report to the OFT/Trading Standards, Fredericksons pulled out of collecting debt for Payday loan companies due to the interest of the OFT/Trading Standards and other parties - so this lot have got hold of a lemon.

 

http://www.consumerdirect.gov.uk for the OFT, remind them that Freds had it previously and dropped it and that the OFT are investigating payday loans

http://www.tradingstandards.gov.uk for Trading Standards

 

Passing a debt between multiple collections people is against the OFT Guidelines on Debt Collecting.

 

You could also contact Walthamstow MP Stella Creasy who is active in the payday loan area... she has people waiting to name and shame these companies.

[sillygirl1]

Just ignore them, its been passed around and one company refused to collect for this market so there is little chance a second one will have any more luck, but please do report them, otherwise you are wasting your time posting on this forum.

[indebt00]

ok, thankyou very much or your reply... Will do that!..

[indebt00]

just a update!!! i have made many complaints about this company!!! but today i recieved a letter from DERS a final notice of intent!! also in the letter it mentions if i dont payup in 7 days they will seize my wages etc!!!

 

i dont understand why they dont get the message that im not paying anymore then i already have!!!! Anyone have any ideas please??? xx

[dx100uk]

they can do nothing of the sort

 

read the letter properly

 

if,but,might,could, intend, etc etc

 

ignore them

 

and post that letter up please for ref:

 

scan the required letters/agreements/sheets

as a picture[jpg] file

remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

 

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf

than many single ones

or if you have PDF as an installed printer drive use that

or use word and save as pdf

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

then hit reply button

dx

[renegadeimp]

just a update!!! i have made many complaints about this company!!! but today i recieved a letter from DERS a final notice of intent!! also in the letter it mentions if i dont payup in 7 days they will seize my wages etc!!!

 

i dont understand why they dont get the message that im not paying anymore then i already have!!!! Anyone have any ideas please??? xx

 

As dx said. They cant and wont do anything. They are simply scaring you into paying it back. As for DERS, they have NO legal rights to do ANYTHING in relation to your debt. Tell them to go "eff themselves".

Think about it. How would they take your wages? If they touched it without your permission, then they would have stolen it and would be under a heavy police and government investigation.

[heathersperry2]

Hi guys I have a DERS letter today regarding Minicredit for an £80.00 payday loan which is now £940.50 in 6 months ! I have ignored all their letters, texts phone calls etc but how long can I keep ignoring them for !!

[renegadeimp]

Ignore it. Theyre the same company.. They will NEVER be able to justify an £80 loan escalating to almost £1000 in just 6 months.

 

Can you post 1 or 2 of their letters in a separate thread, minus any personal info? We can then advise you on what to do next, although your first step is to sent them a notice of dispute and get a complaint with the OFT. The dispute, basically holds the account in limbo, and they cant proceed with any collection attempts, adding on charges and interest etc. Coupled with the OFT complaint, the only people that can resolve the dispute is either the OFT, a judge, or them backing down and agreeing that you only pay the REAL amount you owe.

[heathersperry2]

Of course yes, I will scan in tomorrow. I dont have a scanner at home, just a quick note is there a letter template I can copy from and how do I lodge a complaint?Thanks