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Hi there,
Just wondered where I stand with Minicredit. My situation seems to be broadly similar to others on here, but I could do with some relevant advice here. My wife took out a loan of £100 with Minicredit in January. She was charged the FastAdvance TransmissionFee of £19.50 so only received £80.50 in her account. In February, she wrote to Minicredit and offered a monthly payment plan of £30 per month and enclosed a postal order for £30. She sent a 2nd letter in March along with another postal order for £30. On return home after posting the 2nd letter, she received a letter stating that Minicredit did not accept cheques, and could she cancel the cheque. As the postal order hadn't been returned, my wife and I have no idea what has happened to the postal order. Minicredit continued to debit our account under CPA even though we had asked the bank to cancel the CPA. These payments have since been refunded to out account. I complained in March on my wifes behalf, but Minicredit basically ignored my comments and wrote to my wife offering her payment plans. I wrote again in May and they ignored my letter, stating that the account was being passed to OPOS wih a balnce of £844. Since then, we have had nothing but harrasement by OPOS.
Since the period has elapsed, I escalated the complaint to FOS, but based on the information they received from Minicredit, they 'reduced' the balance from £844 down to £382. FOS accepted this despite my comments about th postal orders and the fact that the statement sent by Minicredit was inomplete. I am getting nowhere with FOS and the postal orders still have not been applied to the account.
I have also since discovered that a default has been placed on my wifes credit file in May, despite me raising complaints with them in March and May. The default is for £418 despite the loan amount being credited to my wifes account being only £80.50. Minicredit have not applied the postal orders to my wifes acccount or returned them to her. I just wondered where I go from here. I can post the transcript that Minicredit have sent to FOS if need be. Many thanks.
Just wondered where I stand with Minicredit. My situation seems to be broadly similar to others on here, but I could do with some relevant advice here. My wife took out a loan of £100 with Minicredit in January. She was charged the FastAdvance TransmissionFee of £19.50 so only received £80.50 in her account. In February, she wrote to Minicredit and offered a monthly payment plan of £30 per month and enclosed a postal order for £30. She sent a 2nd letter in March along with another postal order for £30. On return home after posting the 2nd letter, she received a letter stating that Minicredit did not accept cheques, and could she cancel the cheque. As the postal order hadn't been returned, my wife and I have no idea what has happened to the postal order. Minicredit continued to debit our account under CPA even though we had asked the bank to cancel the CPA. These payments have since been refunded to out account. I complained in March on my wifes behalf, but Minicredit basically ignored my comments and wrote to my wife offering her payment plans. I wrote again in May and they ignored my letter, stating that the account was being passed to OPOS wih a balnce of £844. Since then, we have had nothing but harrasement by OPOS.
Since the period has elapsed, I escalated the complaint to FOS, but based on the information they received from Minicredit, they 'reduced' the balance from £844 down to £382. FOS accepted this despite my comments about th postal orders and the fact that the statement sent by Minicredit was inomplete. I am getting nowhere with FOS and the postal orders still have not been applied to the account.
I have also since discovered that a default has been placed on my wifes credit file in May, despite me raising complaints with them in March and May. The default is for £418 despite the loan amount being credited to my wifes account being only £80.50. Minicredit have not applied the postal orders to my wifes acccount or returned them to her. I just wondered where I go from here. I can post the transcript that Minicredit have sent to FOS if need be. Many thanks.
....!!!!
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