Minicredit

iaintw

Mini Credit Payday Loan – Dont Pay Them



Now to apply for a Mini Credit loan, you would have had to have provided your debit card details for them, so they can collect payments from you. So the first thing is to cancel it. Mini Credit will ignore any letters/emails/calls from you saying you cant pay, as Mini Credit have your details and using a pos machine, will debit your card anyway. So you think £20 is being debited and when you check your account online, you realise that the entire amount has gone, leaving you no money in your account. You cancel them by contacting the fraud team at your bank ,as only they can completely lock down your card (say it has been stolen and someone has your pin number). Now, Mini Credit can no longer debit your account. Request a new card with new details, so you can access your cash, remember to reactivate any direct debits for essentials such as mobiles so they still work etc



Write to Mini Credit now , saying that you have been selected for redundancy at work, as the company is failing and as a result, you wont be able to make the payment date and wish to go on reduced payments.Mini Credit will write back and suggest a payment arrangement. You have a choice now, either to suggest any amount that you are happy to pay, or simply ignore Mini Credit . Mini Credit will try and call you and text you, one tactic is to call you at work, so first of all send Payday Uk a letter saying they are in breach of the administration of Justice Act 1970, and the Protection from Harassment Act 1997, that will put a stop to that.



Now send Mini Credit a CCA request (consumer credit agreement) you would be surprised how many payday loan lenders do not actually have the correct authority, to actually operate as a lender. Make sure they send you the original document.



At this point, Mini Credit will be sending texts and emails saying just pay off the loan,no charges or apr. At this point, write to them saying you are happy to pay off only 30% of the overall loan, as you are being taken to court for non payment of council tax and other essential debts. Mini Credit know this means if it went to court, a judge could decide you only pay back 70p a month, if that is all you can afford.

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• Mini Credit told me I would get £100, but actually only put £80 into my account;
• Mini Credit refused to help me when I fell behind with my payments;
• Mini Credit refused to stop interest and charges on my account when I fell behind with payments;
• Mini Credit never returned my emails or calls;
• Mini Credit’s phone number, Skype number and email don’t work;
• Mini Credit swore at me when I finally did speak to a person;
• Mini Credit ignored my letters and refuse to deal with my complaint;
• Mini Credit refuse to deal with my appointed Debt Management Company.

Minicredit used nasty tactics on people
http://www.bbc.co.uk/news/business-17127951

Apples2

Maybe there is another option here.....

Don't be a clown and take out loans when you have zero intention to repay it.

Your whole post is a feeble attempt at how to steal money, a poor one at that.

dealer_wins

I really hope scummy people like the OP have !!!! life full of illness and suffering.

[Deleted User]

Mini Credit DOESN'T ignore letters actually
and
a Judge can award you to repay with charges included!

Stop living in fairytale land

broad-sword_2

Is the bit at the end the OP's personal experience? Well good luck to the fellow - if he is so uncreditworthy he has to try to rip off payday lenders, he'll be looking at lending off Frankie Barrow next. (I understand Frankie's lads keep the Wilkinsons's freshly stropped for these rogues...)