Mini credit loan and Opos

[Snf0113]

Hi all, 

 

so long story short

 

I opened a small £100 loan with Mini Credit back in 2013.

Missed the payments as I was also paying back Wonga, Lending stream and Quick quid at the same time so naturally it meant that it climbed up to £691 and only having around £700 a month meant money was hard (I was in part time employment but was only receiving £250 in wages). 

 

forgot about the debt,

saw it on my Noddle credit report but thought it would go away,

all other loans have been paid or written off.

 

I was looking through this forum for advice on Kapama/Opos when I thought about checking my emails as I’d never heard from Opos about my account.

I found a few old emails in an account I never use but opened on dated Dec 2018 stating that my account was being sent back to Kapama as they couldn’t get hold of me.

 

Any idea what that means?

I’m trying to clear my credit report so anything would be helpful. 

 

Thanks 

[dx100uk]

irresponsible lending complaint time 

[Snf0113]

Hi all, 

 

Firstly apologies for the very late reply. I totally forgot I had posted this until I logged in today to post about the same company. 

So Kapama/Opos Limited have sent me a statement and a signed 'credit agreement' from when i opened the Mini Credit account but the signed credit agreement only has the final sum of £520 that I would have been paying back for the sum of £100 that I had borrowed. 

 

The Kapama statement states the £100 I borrowed, £121 interest charges, £100 debt collection charges, £25 default charge 1, £50 default charge 2, £350 for attempted charges = £746 minus £55 I paid. 

 

does this sound correct to anyone? 

 

I'm not sure what to do about the irresponsible lending. I'm still searching emails for emails from the other debt companies. 

 

thanks 

[dx100uk]

get an IRL complaint in to the OC

all those charges are unlawful penalties anyway .

[Snf0113]

Sorry I don't understand all of this stuff.

 

How do I go about doing that and setting things in motion? 

 

thanks 

[dx100uk]

 

[renegadeimp]

Have a read across the forum about minicredit.  They are easily sorted and just rely on people not knowing their rights or who get scared and pay them something.

None of their charges will ever get through court. In fact, hardly any of the loans actually went to court as they were too scared to let the court see how many bogus charges they were adding.

[Snf0113]

Sorry for the very late delay, sometimes I post in a panic and then forget I’ve posted at all. 

 

I emailed Kapama/Minicredit for a statement from when I took out the loan, received the letter then haven’t done anything with it as I’ve been busy. 

Today I’ve looked at my credit report as a change was reported on there and realised the Kapama/Mini Credit file has disappeared completely. I haven’t had any letters or emails regarding it. Does anyone think that means I’m going to have bailiffs knocking on my door sometime soon? Or a court date? 

[dx100uk]

bailiffs..how did you work that out???

[Snf0113]

I haven’t worked it out, I’m just worried that as it has disappeared from my credit report that might be the next step. 

 

Surely if they were going to remove it from my credit report for any other reason they would have let me know somehow? 

[dx100uk]

where have you got the idea from that a debt being removed from a credit file = bailiffs?????

and

that bailiffs could ever be involved in a consumer credit debt ??

 

that's what I meant...

[Snf0113]

Ooh sorry. To be honest I don’t have a clue. I don’t have a clue about this stuff at all so have gone straight to the worse case scenario. 

 

[dx100uk]

a DCA is NOT A BAILIFF

and have

ZERO legal powers.

 

on consumer debt, bailiffs could only ever be involved after you lose a court case and fail to pay

and even the.. there is no right of forced entry on consumer debt anyway.

 

so did you raise an IRL complaint?

no good just asking for a statement SAR them.

get everything.

 

I would suspect, as this debt stems from around 2013 that you were defaulted around then too

and what has simply happened is the default has reached its 6th birthday

thus the whole account is removed from all files under industry guidelines

but that does mean the debt is dead, nor not owed.

 

you've been here more than a 1years self help is part of CAG too!!

 

dx

 

 

[Snf0113]

I have been looking through the forum for an answer to my question, I was just reading some of the other Opos/Kapama threads but none had any information on this specific problem. 

 

As I have said I haven’t done anything as I’ve been busy and to be honest totally forgot. 

 

 

[dx100uk]

so.

all the way back to the top then.....

 

[Snf0113]

Thank you, reading now

[Snf0113]

Sorry last question from me then I will work this out myself. Do I send all/any correspondence to Kapama/opos? 

[dx100uk]

Opus/Kapama ARE minicredit. Same people run it.

[Snf0113]

Brilliant, thank you for your help