Minicredit Advice - JOKERS!

[jmurphy1919]

hello

 

i checked my credit fine and saw an entry from microcredit for £500 back from 2012.

 

I didnt not reconise the debt so i sent off the standard CCA letter with enclosed fee ect..

 

I got a letter back yesterday from micro credit. No signed agreement or statement as requested.. Just a load of junk advising i should go to the police if i think that someone has taken out the application in my name as it could be fraud.. bla bla bla..

 

anyone else received such a response?

[renegadeimp]

Minicredit are very well known for doing things like this. Are you 100% positive you have NEVER had any dealings with minicredit in any form? If so, we can advise on the next course of action.

[jmurphy1919]

hello all,

 

long time since i posted here. Ill cut to the chase.

 

I recently obtained my credit file to see i have a few payday loan companies have defaulted me on there. These are from many years ago and i am now taking responsibility for my stupidity.

I am all taking responsibility for these debts but some of the addons are outrageous ( particularly MINICREDIT) so i have decided to try my luck with CCA requests firsts and see if i can get some headway.

 

So i sent off the standard CCA template to all the companys with my £1 and recorded delivery and had a few letters back. Pretty basic reply i believe but i need some advise on where to go from here and what actions to take.

I will shortly be posting each reply letter and if i can get some advise on how to respond that would be fantastic. Im doing everything i can to clean up my credit file and so far going very well, im actually starting to get accepted for things again ( phone ect)

 

so anyway thanks in advance!

 

Here is the first one from MEM.. This is the first page of the letter, the rest was just t&c with no signature or electronic signature on the document what so ever. They also sent a breakdown of accounts.

Any advice would be great on how to respond

Thanks

 

link below

 

http://postimg.org/image/layobif03/