minicredit doorstep collector

tell_it_how_it_is

Coke-fuelled 3am rant there by any chance, doseduk?

Gra76

doseduk wrote: »

...Minicredit are a company I sadly am defaulting with...

That's all you needed to say.

The fact you can't stick to your side of the legal agreement you signed up to clearly doesn't mean anything to you?

You talk about a lack of ethics, a lack of fairness, a lack of being reasonable and how Minicredit are scum and how they're taking advantage of you...yet it's you that have broken the agreement you had with them. What am I missing here?

All the ranting and raving about a company (and a system in general) that you dislike isn't changing anything. It's you, and not Minicredit, who are defaulting on an agreement.

You made a choice to sign up to an agreement, no-one put a gun to your head. You clearly know the consequences of not sticking to your side of the agreement. Being mad about it isn't doing anything to make you look any better.

emmie42

Get yourself over to the Consumer Action Group website where they have a specific paydy loan forum and they will help you. There is a letter you can send to Minicredit re their threat of a doorstep visit.

They cannot visit you without an appointment and I very much doubt you will make one!

Change your bank card or your bank account and start to repay them a little every month. by standing order. Someone on CAG will have the bank details for Minicredit. Do not give them your new debit card details! You borrowed it so you need to repay it.

However you only have to repay the original loan plus one month's interest. You do not have to repay them the extortionate charges which they have added on.

[Deleted User]

doseduk wrote: »

If a company chooses to make its money out of alcoholics, other drug addicts, already insolvent individuals, divorces, homelessness, desperacy, dispair and no doubt tactics that bring about suicide, and many of the previous anyway - then that is bad enough...

What has the X Factor got to do with all this? :think:

poppasmurf_bewdley

At least if DozyDuck does go bankrupt he won't be able to scam and con any more loan companies for a while!

geoffky

malcolmffc wrote: »

It's surely not too much to ask for English-speaking posters to know of the basic rules of spelling and grammar.

hexactly...:)

KingElvis

Doorstep collector?

My doorstep is held in by like concrete, bricks and stuff......wonder what they do with them? is there a market for previously enjoyed doorsteps?

RobertoMoir

doseduk wrote: »

J
The reality that I think escapes the more overly moralistic of the people in this post who keep not realizing why there is a difference between minicredit going about business the way they do, and making their money with their profit margins the way they do - and between an individual that for one reason or another was in a desperate enough position (more than likely) to take out one of these products,

I don't think anyone but a fool would nominate any of these kinds of businesses as "most caring and ethical business of the year", but at the same time its rather tedious to read post after post by people calling them "thieves" simply for wanting their money back.

You're right, some of the moralising on here is overly simplistic, but at the same time borrowers who choose to lie down with PDL dogs cannot be surprised at the fleas they end up with.