Hi Guys
Well its not often I need advice haha and this one is a right mess to deal with.
Basically as some know, I ended up suffering from Identity Fraud... And im still dealing with it today.
So Minicredit wrote of a Balance of £1k and determined themselves it was fraud.
However OPOS purchased the account and we started to go through this whole situation of dealing with a 3rd party for a company that doesnt exist.
for the 3rd time in a year and a half, I got an email as per below;
Quote:
05/04/16
Dear Fko-Filee
Statement of Account
I refer to your outstanding balance due to Microcredit Limited (www.minicredit.co.uk) as detailed above. For your information, please find a statement of your account attached.
It should be noted that this debt was purchased in December 2014 by Kapama Limited (FCA Full Permissions Number 672065) and as a result is now being managed by Opos Limited (FCA Interim Permissions Number 616281).
This statement is being sent to you as required under the Consumer Credit Act 1974 because you failed to repay the balance in line with the agreement with your original creditor.
All payments and communication must be made to Opos Limited on 0141 428 3990, at 2nd Floor, 15 Meadowbank Street, Dumbarton, G82 1JR unless you are advised otherwise. You can manage your account online and make payment via the secure website www.oposlimited.com .
If you currently have a valid arrangement in place to repay the outstanding balance there is no need for you to do anything at this stage. I am obliged to advise that failure to adhere to agreed payment arrangements will result in collections activity continuing on your account so it is important that you contact Opos Limited if you are ever having difficulty making your payments.
I can confirm that we work closely with the Credit Reference Agencies and update them regularly with any payments you make towards your debt. Other lenders will look at your credit file to make lending decisions based on the overall payment performance of your financial commitments. Failure to repay your account will continue to negatively impact your credit rating. Therefore it is important that you contact me or a member of my team on 0141 428 3990 to make arrangements to pay the outstanding balance on your account or discuss what options are available to you.
If you are experiencing financial difficulties Opos Limited's Money Advice Section would welcome the opportunity to speak with you. They can set up a payment arrangement over a longer period of time and in line with your affordability. If you contact one of our trained advisors on 0141 428 3991 they will be happy to go over your income, expenditure and talk through your situation. Alternatively please see our help and advice section of our secure website www.oposlimited.com for details of non-profit organisations you can contact for free advice.
Yours sincerely
James Wilson
Collections Manager
Opos Limited, Authorised and Regulated by the Financial Conduct Authority. FCA Interim Permissions No. IP616281
Registered in Scotland Company Number SC 338837.
Registered Address: Opos Limited, 2nd Floor, 15 Meadowbank Street, Dumbarton, G82 1JR
Please consider the environment before printing this e-mail.
LEGAL NOTICE: The information contained in this communication is confidential and may be legally privileged. It is intended solely for the use of the individual or entity to whom it is addressed and others authorised to receive it. If you are not the intended recipient, please notify the sender immediately and you are hereby notified that any disclosure, copying distribution or taking of any action in reliance on the contents of this information is strictly prohibited and may be unlawful. The document and any attachments are not guaranteed to contain no computer viruses and you are advised to check for such viruses before downloading. Opos Limited is neither liable for the proper and complete transmission of the information contained in this communication nor for any delay in its receipt. Calls may be recorded for training and quality purposes.
So I had already told them 3 times already that the account was closed from their end, etc and that I shouldnt be hounded for this... But alas, they still do hound me.
I threatened them with a C+D notice last year, and still they persist even though Minicredit confirmed the account was closed due to Fraud etc and OPOS even closed their account.
Today i also recieved a statement from them, and this is a shocker;
Period Covered: 25/02/2015 to 25/02/2016 Your Account Summary
Loan Amount £100.00
Interest Charges £118.00
Debt Collection Charges £100.00
Default Charge 1 £25.00
Default Charge 2 £50.00
Attempt Charges £670.00
Paid £0.00
Adjusted £0.00
Outstanding Balance £1,063.00
£670 in attempt charges?!?!?!?!
Anyhow the response i got back last year was to the tune of the below?
Quote:
Further to your email of 20h May 2015 and your subsequent call dated 20th of May 2015 and emails up to 22th May 2015, I am concerned to hear that you have been dissatisfied with the service Opos Limited has provided. At Opos Limited we always welcome customer comments as it helps us to put things right for you.
My understanding of your complaint is detailed below but please contact me if this is incorrect.
• You wish for the default entered on the 1st of April 2015 to be removed
• You believe this should not have been registered due to fraudulent activity being advised in December 2014
I can confirm that I have now had the opportunity to review your account along with the documentation from Mini Credit and the documentation submitted by yourself and my findings are as followed:
On the 10th of December 2014, Opos Limited was passed over this account via Mini Credit in order for further collections activity to proceed on a contingency basis for Mini Credit, as this was the basis of our relationship at that period of time.
On the 18th of December 2014, we had received an email direct from Mini Credit which was directed for yourself, advising that they have reviewed the account and subsequently decided that they were under the belief that the loan was highly unlikely that it was taken out by yourself, and consequently closed it off as Fraud. After we were in receipt of this email, we subsequently closed off the account as Fraud due to this information submitted to ourselves and no further action was to proceed in terms of Opos Limited proceeding further and Mini Credit advising that this would be struck from your credit file.
As it has been noted, a default notice from Kapama Limited has been applied to your credit file, however, after further investigation, I can conclude that this has been applied through technical errors, as Call Credit had recently applied this additional continuation of Mini Credit defaults on your previous default with Mini Credit on behalf of Kapama Limited, due to a portfolio purchase previously of Mini Credit accounts prior to them ceasing to trade. I understand that Mini Credit had wiped your previous default, however, it would appear that your account was not recognised as Closed once the initial report was sent out due to this.
Please accept my sincere apologies regarding this, I understand your disappointment and frustration regarding this issue, however this will be amended forthright and Call Credit will be advised to remove the default completely, as it was previously.
If you remain unhappy, you also have the option to contact the Financial Ombudsman Service, so long as you do this within six months of the date of this email.
Yours Sincerely,
Derek Caldwell
Any advice on this one? Im really stuck. The original complaint was resolved but its still apparent that it hasnt and the 6 months to refer to the FOS have passed. I am also concerned because if an account is shut down due to fraud then no further balance remains, however the FCA confirmed to me that I shouldnt be getting statements for an account that doesn't exist no longer where I am not a debtor?
And Breathe...........