Minicredit / Opos

[graham1973]

Afternoon All,

 

 

I have been paying these people through Payplan for a few years now and I am coming to the end of the plan.

 

 

I contacted Opos Ltd to see what the balance was and to make sure it matched the Payplan estimate.

 

 

To my shock I found that I still owed over £1000 after having already paid over £500 on a £100 loan.

 

 

Opos tell me that the interest and charges were added to the debt by Minicredit before Opos took over the debt.

 

 

I have now emailed them giving them 7 days to clear the debt otherwise I will be taking the matter to trading standards and the FCA.

 

 

I have not asked them to refund anything just to clear the balance.

 

 

Is there a route through the courts I can take if nothing works ?

 

 

Any help would be appreciated.

 

 

BTW. I will keep you informed as to what happens as I am going after a few companies, its become a matter of principal now

[renegadeimp]

Theyre the same company. Just a different desk in the same office.

 

you have already paid more than what you owe, so tell them to do one.

 

The courts wont be interested. Use Trading standards, FCA and FOS.

[graham1973]

Thanks for the reply renegadeimp.

 

 

Is there anyway I can prove they are the same company?

 

 

I have done a search on the net but cant find anything linking them

[renegadeimp]

Read this forum. We had a few people a year ago who chose to do a pretty deep indepth investigation into these companies.