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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

kb2011

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Everything posted by kb2011

  1. kb2011
    I had a horrible feeling that could be the case. On another note, this was settled a fair few months ago (which they've acknowledged) and the current status is in default with some extortionate make-believe figure in the thousands (for a £200 loan). Should this not have been changed to settled or at best satisfied default?
  2. kb2011
    Just plowing through mountains of emails and it'd appear the nearest I would have to anything is this: But a separate email preceding this contained the following:
  3. kb2011
    Having just tonight checked my Call Credit report as a one off, I've noticed that Toothfairy Finance have registered a default against my name, however are they correct in doing so? I've had a fair few problems with TFF/NDR/MHB in that they would not accept a repayment plan via my debt management agency nor would they then accept the repayment plan I was offering them. Finally I came to heel with a repayment plan of their choosing and have cleared the debt. In my honest opinion, there was a period of around three months where I wanted to pay but they simply made it an impossibility. In short - I don't believe they've ever notified me of my default status, rather just consistently threatened me with "poor credit" (obviously - that's why I used them) and intimidation from an impending "visit" - what is my stance with this? Should they have provided me with a notice of my default and by rights can I get Call Credit to remove the default? Alternatively, being that this was settled months ago, should this not be listed as a satisfied default (for what little effect it has on your score)? Whilst I know that writing to the lender is the first port of call, I can't imagine Toothfairy to abide by any sort of rules set for them or to actually treat the question with general human decency. It would also appear that they've searched against my name in recent months when I've NOT been searching for credit and when I've no longer had an outstanding balance with them - would there be any reason for this? Thoughts?
  4. kb2011
    Definitely get in touch with the OFT about them.
  5. kb2011
    Just so you're all aware, I've now finally paid my debt off with TFF. I have however, filed an MCO claim for the amount that I've overpaid (at worst, I guess I won't see the fee for that back) - TFF have replied with the response "We are fully compliant with all laws, legislation and the OFT Guidelines and we will defend ourselves vigorously in any action brought against us.", which they forwarded to me FIVE times. I did have to do a little chuckle!
  6. kb2011
    I may have to PM you a few questions later Sillygirl1 if that's okay?
  7. kb2011
    I'd finally come back to post that Mirror article - glad to see others have already seen it. My issue is still unresolved - I'm currently in a payment plan with them which is admittedly stupid but regardless the stress of everything is killing me ha.
  8. kb2011
    Unbelievable state this country is getting in to.
  9. kb2011
    I love it - quite clearly shows it was sent from TFF too, despite them being "seperate" companies.
  10. kb2011
    They use the phrase "we are at a loss" a lot. It's hard to explain but PEOPLES SITUATIONS CHANGE, GAHHHHHHHHHHHHH. As far as what has changed, that's none of their business unless the court states otherwise, but that would mean GOING TO COURT. I wonder if the guy who sent that is the guy who called me? Seems very coincidental! Did he have his own email address or was it the generic recoveryteam@northerndebtrecovery.com?
  11. kb2011
    I've just noted that it seems they won't sign for any recorded delivery mail going to them and it's heading its way back to me; combined with the fact that their email will bounce me around constantly, where can I go from here? I have kept proof of posting - I know this is the case here as The OFT have signed for their 50 page epic which was sent the same day.
  12. kb2011
    Unfortunately for the guy who refused to give me his name when he called me earlier, NDR don't have any privacy for their colleagues either - he's not Australian, he's South African and he's called Jason. Well Jason, congratulations, you now have a name to a recorded, threatening call.
  13. kb2011
    Just had the annoying Aussie/NZ bloke from NDR call - believe he actually called me from MHB once. When I asked him who legally owned the debt, he just gave me a spiel about how I'd be trembling when someone comes to my door and if I'd be so brave as to ask a load of questions to their face. Oh right, well I thought it was MHB dealing with this, so why the call? He didn't tell me they were recording the call until about five minutes in when I asked. He wouldn't give me his name despite numerous requests, and when I told him I'd made a payment, his tone changed. When I questioned him about sending me everything they have on me on file, y'know, like I'm obliged to see (calls and letters) he just said, "well, if you pay us some more money, we'll talk a bit more" - because in his words I'm "a big man with a lot of time to type letters when he should be paying his loan". They also don't acknowledge receipt of my recorded delivery letters. How surprising. I should add that they're refusing acknowledgement of payment - the bank begs to differ. Hello to the constant "guests" on the NDR threads.
  14. kb2011
    I'm inclined to say they do only exist for the purpose of justifying the "solicitors fees", as they don't seem to want to deal with the cases themselves over the phone.
  15. kb2011
    Jog on, surely? Haven't they already applied "solicitors fees" when they passed it on to NDR? Two sets of solicitor fees?! One of which at least is definitely unsubstantiated?!
  16. kb2011
    Another update of where I'm up to: An SMS this morning: Followed by the email: Well, I've already paid £27.20 several days ago so that total is wrong. But really, a formal demand for ALL the disproportionate money in the next seven days? As for the "DEFAULT" - TFF/CIM/whatver don't even show up on any of the three credit agencies with a file, merely a credit search, so is that a lie? I've ignored the conditions of the email at the bottom, seeing as they've ignored everything I've sent to them.
  17. kb2011
    Just spoken to Consumer Direct who've added to my complaint and referred me to the FOS. The FOS are in agreement that these lot cannot just enter your house and would need to obtain a court order before hand which as he said "is a long winded process", we already knew that but it's nice to be reassured. The FOS have launched a complaint against them on my behalf so I would advise everyone in the same boat to get on to them as it was relatively easy - they have advised that all debt collection procedures should be halted for eight weeks whilst they can investigate the case - they've also advised me to send off the template letter to request they stop harassing me via text, email, phone etc. Would recommend everyone else goes that route! Hi to the constant visitor to this page.
  18. kb2011
    As mentioned, I sent those terms recorded delivery - I also sent an email to TFF using the generic question form on their site as it appears I can't email NDR/MHB (have they blocked me?) and rather than reply to the actual question posed, they sent this drivel. So you don't do payment plans at all? That's not what you said on the phone. That balance is wrong. I've already paid some (£27.20, y'know 10% of the actual loan). A rollover? Yes, that seems reasonable.
  19. kb2011
    I'm all over that! ...And Watchdog... And The Mirror...
  20. kb2011
    If it goes pear shaped with TxtLoan, their DCA is Fredericks who don't seem too bad to set up a payment plan with, the downside is you'll probably incur additional charges from them for looking after the debt.
  21. kb2011
    In other news, bailiffs are going to be in touch with me in two days! I hope I get to go to the imaginary court hearing between now and Friday.
  22. kb2011
    You NEED to get your complaint in to Nigel.Cates@oft.gsi.gov.uk as well as enquiries@oft.gsi.gov.uk - Nigel Cates is heading up the complaints at the moment, it really needs as many as possible!
  23. kb2011
    Aye! Whilst their response was swift, I don't hold much hope for any action on it in the foreseeable future (that's my defeatist attitude). As far as things go, I'm going to tell them all (TFF, NDR, MHB) that because communications have essentially broken down I am reverting to my original offer of £272 (not 276 as previously stated - my bad) to be paid outside of my DMP due to them working on a pro rata basis, i.e if TFF say the bill is now £8000 - they'll change it to that, which I argued with and was not overly happy about. If I make direct payments, say 10 x 27.20 for arguments sake and can prove it, then surely this shows I've not been unreasonable?
  24. kb2011
    Also, is there anything I can do ref: nuisance phone calls, bombardment of emails and SMS?
  25. kb2011
    So anyway, TFF tried to charge me the £36 last night and obviously it failed but unlike the night before they didn't add the £36 on to the current total. I'm confused as I thought MHB owned the debt now, yet NDR contact me about it and TFF try to charge me for it? Anyhow, I was actually sent an email with their payment details and I'm told that they'll try and take the money again tonight - obviously it won't be there. Another two texts from them. I've basically had enough of this now - I've emailed the OFT and although they're looking in to it, I assume this will get a lot worse before it gets better - is there another particular route of writing I should go down here? I've already contacted all of the above "creditors" and the OFT...

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