Another Minicredit Mess

[sarahlil]

Hi all

 

I have recently got myself into a mess with several payday loans. I have set up payment plans with except for minicredit.

 

My original loan was for £100 and taken out 2 months ago. (yet only received £80.50). As usual they've refused to accept payment plans and my total is now £400+. Looking at my online banking, they've taken around £200 from me in small chunks, £15-£25 a go.

 

I received a letter about a month ago threatening a doorstep collector. I emailed them at their 'claims' email address and received a respsonse saying because a payment was made on 17th jan, the visit would be postponed for 30 days so I had til the 16th Feb to make another payment. Despite making another payment, I have today received a 'final doorstep collector' letter, saying someone will visit between 21st-28th feb.

 

They're also stating they'd consider a settlement offer, which I am tempted to do even though they've already had more than the original loan plus a months interest. But I'm not sure how much to offer, considering they've already had £200. I just want them off my back.

 

Any advice?

[quackquack]

if they turn up on ur door step dont answer the door /or tell em to get lost never invite them in ur home ever /if u can afford to pay them off now id do it less stress and free of them good luck:-x