Kapama and minicredit loan

[fkofilee]

I'm going to have their heads!

 

Back a while ago minicredit decided to kill my loan off when I complained due to the fraud.

They advised it was all said and done.

 

Opos then got their hands on it and it was a battle to get them to follow suit and do as Minicredit said they were going to do..

 

Finished I thought....

 

NO! My Noddle credit file updated this morning and I have an entry against Kapama Ltd for the exact same loan!

 

Even though OPOS promised in writing that it was over and done with!? (Kapama are Opos)

 

Any ideas here? This is the third time I've had to deal with this...

[BankFodder]

Maybe you could explain the story a bit more motheodically please.

[fkofilee]

Sure Bankfodder... My Bad as ive been at work all day.

 

Right... This is a toughie as I thought I already had a thread on Minicredit.

 

Very simply in 2011, someone took a loan in my name. Minicredit were my first target on my way to clearing my CRA once I had woken up to what had gone on so................................

I contacted them and it was written off as it should be when I completed their questionnaire and included the Actionfraud reference.

 

Now heres the thing. As we know, Minicredit dissolved recently however and just before they did that, last year they sold their loan portfolio to Kapama Limited. This is when I started having problems. Kapama sent me a notice of assignment and I had to battle with them and even sent got Minicredit to email them about it.

 

Opos did half a job as in February this year I got another NOA from Kapama. When I rang and said the account was closed they confirmed it was and had been since December 2014 when Minicredit first emailed along with me emailing them.

 

I was told to "Ignore" the NOA and just "Get on with life"... So before I did just that, I sent a cease and desist notice on the 1st Feb this year Scott Dawson who is head of Kapama Group... And their complaints team... It was ignored. But to be fair, it may have been adhered to and they probably took it under advisement as I heard nothing from them until..............

 

TODAY! Or rather when I checked Noddle... And what do we have...................

 

[ATTACH=CONFIG]57653[/ATTACH]

 

Its the same bloody loan that Minicredit confirmed as being closed.

Technically it shouldn't have been sold in the first place but there is NOTHING I can do about that.

 

But I can do something about this. Kapama are now reporting on a closed account that shouldnt even be anywhere near my credit profile in the first place and that was written off by Minicredit...

 

I rang today to speak to their Customer Relations Team... "Sorry they are all at lunch"...

To be fair the guy was a bit of a T*****...

 

I have once again emailed today complaints and Scott Dawson who is the MD of the group and who is also on the FCAs register as the contact for the company. I feel like im banging my head against a brick wall.

 

Can i use the "14 day resolution otherwise its being referred to the Courts?" (LBA in this case)?

[citizenB]

Have you made a complaint to the Credit Reference Agency and supplied them with a copy of the email/letter from Mini Credit ?

[fkofilee]

I raised a dispute yesterday through Noddle to Callcredit CitB so hopefully this should work. Im worried that they will say they cant remove it.

 

Also knowing Kapama... Im not sure that it will be the end if it is removed.

[fkofilee]

Guys

 

Update;

 

Further to your email of 20h May 2015 and your subsequent call dated 20th of May 2015 and emails up to 22th May 2015, I am concerned to hear that you have been dissatisfied with the service Opos Limited has provided. At Opos Limited we always welcome customer comments as it helps us to put things right for you.

 

My understanding of your complaint is detailed below but please contact me if this is incorrect.

 

• You wish for the default entered on the 1st of April 2015 to be removed

• You believe this should not have been registered due to fraudulent activity being advised in December 2014

 

 

 

I can confirm that I have now had the opportunity to review your account along with the documentation from Mini Credit and the documentation submitted by yourself and my findings are as followed:

 

On the 10th of December 2014, Opos Limited was passed over this account via Mini Credit in order for further collections activity to proceed on a contingency basis for Mini Credit, as this was the basis of our relationship at that period of time.

 

On the 18th of December 2014, we had received an email direct from Mini Credit which was directed for yourself, advising that they have reviewed the account and subsequently decided that they were under the belief that the loan was highly unlikely that it was taken out by yourself, and consequently closed it off as Fraud. After we were in receipt of this email, we subsequently closed off the account as Fraud due to this information submitted to ourselves and no further action was to proceed in terms of Opos Limited proceeding further and Mini Credit advising that this would be struck from your credit file.

 

As it has been noted, a default notice from Kapama Limited has been applied to your credit file, however, after further investigation, I can conclude that this has been applied through technical errors, as Call Credit had recently applied this additional continuation of Mini Credit defaults on your previous default with Mini Credit on behalf of Kapama Limited, due to a portfolio purchase previously of Mini Credit accounts prior to them ceasing to trade. I understand that Mini Credit had wiped your previous default, however, it would appear that your account was not recognised as Closed once the initial report was sent out due to this.

 

Please accept my sincere apologies regarding this, I understand your disappointment and frustration regarding this issue, however this will be amended forthright and Call Credit will be advised to remove the default completely, as it was previously.

 

If you remain unhappy, you also have the option to contact the Financial Ombudsman Service, so long as you do this within six months of the date of this email.

 

Whats the chances I could sue them in the county court for this... Im not happy with the response "Technical Errors" This means for 2 months that I had this default sitting their when it was incorrectly placed...

Call me blunt, but I just feel it was unfair it got this far in the first place.

[Bazooka Boo]

Technical error eh, sounds a lot like Lowells 'Admin errors'!

 

Well if they are going to rectify your CRF, then I wouldn't worry.

 

If however, if in the last three months of this inaccurate data being on there you have been refused credit or it has affected you in some other way, then by all means sue them for defamation.

 

But unless you can show that this has affected you in some way, then I fear that you won't get any joy chasing this..

[fkofilee]

Thought as much , Yeah my end result was just hoping they would sort this out like ASAP

And to be fair 3 days for a resolution is not bad at all... They goes me bigging up a DCA lol

 

For reference, can we close the thread. Just for the record, I emailed their Complaints team @ complaints@oposlimited.com

Steve Dawson - MD @ sdawson@oposlimited.com

Margo Kidd - Compliance Exec @ mkidd@oposlimited.com

[Bazooka Boo]

[acid53]

fkofilee

- have just noticed a similar issue with kapama on a debt that was passed to opos over a year ago

 

- I had actually a complaint against minicredit upheld for unaffordable lending related to these loans

 

which of course they never honoured as they buggered off.

 

u can imagine my surprise when this little jewel popped up.

 

it seems they have the right to do this even though minicredit did not uphold their obligations

 

- anyway i got on to them with formal complaint and they have agreed to remove it.

 

I will be on to FOS with a new complaint if it doesnt done sharpish....