Mini Credit Complaints
Posted on Jun 10th, 2011
Mini Credit Complaints get out of hand!
Over the last few months we have been contacted by an alarming number of people wanting help and advice regarding Mini Credit.
“We have found that Mini Credit are completely unwilling to assist their clients in any way “… “By refusing to assist their customers Mini Credit are breaking the law”
We have listed some common Mini Credit Complaints below
- 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.
Read more Mini Credit Complaint, writen by actual customers by CLICKING HERE.
We believe that it is disgusting that a company behaving in the manner that Mini Credit have appeared to, are still legally able to trade and nothing has been done about their business methods and tactics.
What next
Fresh Start UK has raised a formal complaint with the OFT about Mini Credit and forwarded details of specific complaint raised by our customers through us. The more complaints we are able to raise the greater the likelihood something will be done about them sooner.
We would urge anyone who has experienced the dreadful service that many have brought to our attention as a customer of Mini Credit or any other company, should raise a formal complaint with the Financial Ombudsman Service (FOS). The FOS is an independent complaints handeling service that were setup to assist consumers with complaints and dealing with companies that are not treating consumers fairly.
Unable to Pay Mini Credit
We would suggest that if you are struggling to pay Mini Credit that you do not feel bullied or threatened into further borrowing to pay them off. Regardless of the contract you have with Mini Credit there are certain rights that you are unable to sign away and as a consumer you are entitled to be treated fairly and receive help from a company you are a customer of.
We can help!
For more information about Mini Credit or making a complaint about Mini Credit then please call us or send us an email Mini Credit Complaints.
For help with an overdue Mini Credit account as well as other Debts, you may want further information about Debt Management.
Contact me personally on 07533 924 610 (call or text) or email tom@freshstartltd.co.uk
More info about Mini Credit
Mini Credit is actually a trading name and the London Based company is called MicroCredit Limited. Mini Credit offers small short-term loans, typically around £100 for 1 month, with a typical APR of 4144%.
Many of the enquiries we have been receiving, from clients and non clients are about how Mini Credit is dealing with people unable to keep to the agreed repayments. We see lots people using Payday Loan Companies as a last resort, spending the money they get on essentials to get them from month to month. Often this creates a vicious cycle that is hard to break and many people end up defaulting on the agreement simply because they have no other choice.
As a Debt Management Company we are used to dealing with a very wide range of account types and increasing numbers of Payday Loan Companies. We very rarely have any issues with these Companies or any others, however, Mini Credit is an exception. We have found that Mini Credit are completely unwilling to assist their clients in any way when they are unable to repay under their original agreement. By refusing to assist their customers Mini Credit are breaking the law.
Mini Credit is regulated by the Office of Fair Trading (OFT) and hold a Consumer Credit Licence, Number: 0621701. The OFT set out guidelines on how companies should treat customers and set rules and laws that have to be kept to in order to hold that licence and it is required by law that Bank, Payday Loan Companies and Debt Management Companies hold this licence.
Story by Tom
Fresh Start UK
Offering Debt Management Solutions, Debt Management Plans as well as Individual Voluntary Arrangements (IVAs) and Bankruptcy. If you are worried about Debt, contact us now on 08009 247 244