Some companies are so unreasonable!

jamespounder1

Hi

I am currently self negotiating with my creditors as I dont have enough disposable income to go onto a DMP.

One creditor in particularly is being very unreasonable and quite aggressive in their emails.

The company is minicredit.co.uk

They are a payday loan who I owe £130 to. When I contacted them to say I couldnt afford the agreed payments and that I wish to set up a payment arrangement they came back with a totally unrealistic option. I advised them that this wasn't an option for me they then became very rude and aggressive.

The have said on a number of occassions that my actions are CONSIDERED FRAUDULENT! I have cancelled my debit card and havent given them the new details and they have mentioned that applying for a loan that you cant afford is also fraudulent.

They have threatened to inform my employer and also take legal action about this fraudulent behaviour.

If anybody has had any dealing with these please let me know or if you have any advice please help.

Many thnaks

James

Tixy

Hi James

The only advice I can give is that if you are speaking to them by phone to stop and to only deal with them in writing. Its likely they may be a bit more reasonable and less threatening in writing. If they call you refuse to confirm who you are or just hang up.

They cannot inform your employer - to do so would be totally unacceptable and against the data protection act.

PNPSUKNET

if they email you this type of things all the better, make a complaint to the oft / fso Im sure they will like this underhand trick and end up them paying you.