Took out a minicredit loan stating I was in receipt of benefits (got screen shots to prove that)
My credit file was clearly shot , frankly I wouldn't have lent myself 10p let alone £200
Failed to pay, debt went from £220 to over £1100 in a matter of weeks ( it took me a few weeks to contact minicredit because I had more pressing personal issues)
Serious harassment from MC
Defaulted me but amount on file was c £700
Last letter I wrote to them was rather strongly worded and is possibly on here somewhere
Have been getting phone calls and texts from OPOS , offering 50% discounts but nothing to say how much
Today received a letter stating I owe 1361.20
The last communication I had from minicredit was in late 2012 and did not receive a NOA, in addition just before they went belly up the amount owed on my credit file nearly doubled, I suspect in order to inflate the 'book' value of the debt
I have all the letters and emails from them although it will take some time to get them into chronological order
Any thoughts, do I tell them I have no NOA and to bugger off or do I ignore. My preference atm is just to ignore
Also as I said I have had no communication and made no payments or acknowledgements since Sept 2012, should I have been getting 6 monthly statements showing increase in charges etc ?
I am so out of the loop at the moment
My credit file was clearly shot , frankly I wouldn't have lent myself 10p let alone £200
Failed to pay, debt went from £220 to over £1100 in a matter of weeks ( it took me a few weeks to contact minicredit because I had more pressing personal issues)
Serious harassment from MC
Defaulted me but amount on file was c £700
Last letter I wrote to them was rather strongly worded and is possibly on here somewhere
Have been getting phone calls and texts from OPOS , offering 50% discounts but nothing to say how much
Today received a letter stating I owe 1361.20
The last communication I had from minicredit was in late 2012 and did not receive a NOA, in addition just before they went belly up the amount owed on my credit file nearly doubled, I suspect in order to inflate the 'book' value of the debt
I have all the letters and emails from them although it will take some time to get them into chronological order
Any thoughts, do I tell them I have no NOA and to bugger off or do I ignore. My preference atm is just to ignore
Also as I said I have had no communication and made no payments or acknowledgements since Sept 2012, should I have been getting 6 monthly statements showing increase in charges etc ?
I am so out of the loop at the moment
Minicredit OPOS
0 commentaires:
Enregistrer un commentaire