Has anyone had a letter from GPB solicitors? I got one earlier this week... what does this mean?

It's been a while since I been on here (before xmas i think) - and those Toothfairy idiots are still in business?!! I've had a so called 'debt' for nearly 2 years now and have been paying £1 a month until £354 has been deposited to them (still got a long way to go until its payed off) yet I was still getting e-mails and threats of bailiffs and court, but i can tell you that after nearly 2 years they have not carried out a single threat... Ironically I have not heard from them at all so far this year - I told them the only way they can contact me is throuh writting as I have blocked any of their calls to come through. I had a little look ealier and apparently i now owe them £3101. Well they know for sure that they wont get a penny more than £354 from me (original amount plus 1 month interest)... the secret is to play stubborn with them as they know they have no legal legs to stand on! Get in touch with the FOS and eventually you will speak to one 'Joseph xxxxxxx' one of the directors of the organisation (though i am convinced this was not his true identity and that they all hide behind 'stage names'). Oh also, has anyone noticed, that their APR has gone up from 2750% to over 5000% now?... hmmm...

Have u ever sent a letter to them at that address and had a response? I can guarentee u that I have not, and upon further investigation of that address it is a dead end - a used paper recycling facility

exactly what ripped off said! you have nothing to worry about!!! I been pestered for the past nearly 17 months now and nothing has happened!!! If you call them, they play silly little games with you and make you chase about for unnesesary things such as your p45 - they have no right what so ever to see that information and they will still try and screw you out of more than you should pay. Can i advise you NOT to call them, or they will just make things 10 times more diffcult for u! Oh - also get those e-mails straight of to the OFT: "Yours sincerely ANTI-FRAUD" big - big naughty!!! They are practically accusing you of fraud, which is a big no-no if they can't back it up in the eyes of the OFT so please get it of to the OFT or you are wasting your time posting on here 4lter

perfect ... get that e-mail saying u can only contact via website or by calling them to the OFT!!! That is gold! Also explain that you have asked them for an e-mail address/ a way to communicate by writting so you can keep a written account of the goings on between yourself and these scumbags and that they are basically refusing because you dont have an account of what you have written and they will attempt to use this in their favour by saying you are not contacting them... One more chip into Toothfairys armour ... Have you made a complaint through the FOS yet?

It will be on hell of a fight, but stick to your guns and DO NOT BACK DOWN! You owe the original loan amount, plus contractual interest - not a penny more! Offer them this 1st, then if they still want to play silly sausages, offer them £1pcm until the balence is paid off unless they accept your final offer of loan plus interest on whatever you can afford each month. They will make u feel small and like you are in the wrong, but just ignore all their threats - they will not visit you again because they know they are naughty and playing with fire! Bloody cheek them just turning up when you told them not to! Make sure u get a copy of that unoffical looking letter, plus your evidence of telling them to sod of into the OFT! These Idiots need to be closed down! Bloody PDL companies really are immoral!

I'm in the same situation as you dude; the latest is i owe them £2580 for a £300 loan - pah yeh right!!! Im paying £354 - because this is all i owe! You signed a contract, but theres a difference between signing a contract and Law. I've been threatened with bailiffs and solicitors for WELL OVER a year now and nothing has happened - why? Because they know they have NOTHING to back them up! They KNOW they are in the wrong, they KNOW they prey on the vunerable and less educated and they KNOW I'm right and they are wrong and thinking they can use big posh words to try and confuse me and others. Anyway - you need to think about covering you're behind incase (even though it will never happen) they try and get you done. I've told them I am making £1 monthly payments until I have paid them off, and they will only get the full £354 if and when they accept my final offer and they can try and get more out of me but they will have to take me to court, and it has been 3 months now and not a single threat about court, just them saying i owe silly amount still lol... moral of the story - stay strong and if you get stuck or uncertain, there are plenty of people willing to help on here

OMG! what a bunch of imcompetant IDIOTS! Have you got any proof that MH came to visit you? And did he say he was from Marshall Hoares, or Marshall Hoares Bailiffs?! Either way let the OFT and trading standards know that they turned up willy nilly and that you refused them permission to come - and you have proof that you told them they were not allowed to turn up?

yeh - and the amount he's screwing out of people as well... Think of applying for his job ya know. Must make a nice wage being a sewer rat like him!!!

Don't contact them - they make it impossible to have any form of written proof so you can't have any evidence that you are making an attempt to pay back! My advise is to get any correspondance from them over to the OFT and not worry at all. You have more chances of winning the lottery than these idiots carrying out all the empty threats they will throw at you. You owe them THE ORIGINAL AMOUNT + CONTRACTUAL INTEREST no more, no less! Forget all these bloody fantasy charges they have added on! They think they can bully you. You have to put up a fight and only pay what you owe!

they are all one in the same - and they all opperate in the same ignorant manner... as for them getting their account details wrong, surprise, surprise it just goes to show what an incompetant bunch of idiots they all are!

lol - they must be MI6, CIA or SAS... Or stalkers... Especially if they cold call and leave music playing. Next thing you know Tinkerbell they will breathe heavily down the phone and say 'we know where u live, now pay up or we will take 9 times the value of what you owe in your possessions'. right back on track lol - Not heard from Joseph as to why they were trying to contact me yesterday. I did ask him to reply as a matter of urgency - obviously he's to busy to reply to me, so I may be too busy to reply to his next e-mail

doh lol and thank u now edited ;-) no i stopped getting those e-mails a while back, i dont know why. Originally i tried to block all their e-mails coming through to me cuz they were really p***ing me off, but they are not on my block list. I think MHB have maybe just given up with me cuz i spoke my mind to them and kept catching them out and now its NDR that are going to harass me. Only ever had 1 letter from NDR and this was like sept last year, and it made no sense, full of nonsense!!! I'm waiting for them to call me again, im going to start answering and playing them i think .... and we all know TFF/SC/NDR and MHB are full of it and won't carry out any threats, they just prey on the innocent which is disgusting! PDLs are disgusting in general and should either not be allowed OR they should have a serious shake up so that they are fairer on people and do not abuse their powers!!! I love how MHB act like they think they are secret agents though - they always used to say to me that it is an urgent matter and that they know its me they recognise my voice and tried it on loadsa times lol - goofballs haha

yes - they like to put words in your mouth, then make it IMPOSSIBLE to contact them so that you look like the baddie, when in fact we know their game and they are the baddies!!!

More from good olde Toothfairy this morning! Loan Ref: xxxxxxx/xxxx/ x 30/11/2012 Dear Mr johnston, You agreed to automatic payments to settle your ToothFairy Pay Day Loan . You are aware that these payments are necessary to avoid further charges, recovery and legal action. You were committed to pay GBP 54 by 30.11.2012. The following payment of GBP 54 in relation to your loan ToothFairy Pay Day Loan - Ref 2078734 has been DECLINED by your bank today. Your transaction reference is: xxxxxxxxxxxx / x Error Code: DECLINED - The supplied expiry date is in the past This may appear on your statement as a transaction processed by: tf-f or London Treasury Services Your outstanding balance is GBP 2580. By failing to honour this agreement all charges will immediately become due. Recovery Agents will be sent to all addresses we have on file for you in order to obtain payment. Should this also prove unsuccessful we will be liaising with solicitors who will obtain a County Court Judgement against you. Once this is secured we will return with a Warrant of Execution from the County Court and certified Court Bailiffs to seize goods at 9 times the value of what you owe. It is essential that you honour your commmitment . You should pay GBP 54 by: 1. going online at www.northerndebtrecovery.com and clicking Pay Now; OR 2. making payment to: Barclays Bank Account Number: 93462382 Sort code: 20-50-94 Reference: Use your mobile number (xxxxxxxxxxx) as a reference so we can match it correctly Please ensure that these funds reach us by the end of business. Note: We reserve the right to contiune to automatically debit your account for the agreed scheduled amount OR the full amount if payment is not received. If you have alread y repaid and this is not reflected in the above statement please contact us so we can investigate this further and correct your file. Thanks Collections Team Toothfairy Finance t: 08000 882 222 ïï€ Please consider the environment before you print this email. _____________________________________________________________________ NOTICE The views and opinions expressed in this email may not reflect the views and opinions of any member of Toothfairy Finance Ltd.The information contained in this message is confidential and may also be privileged. It is intended only for the addressee named above. The unauthorised use, disclosure, copying or alteration of this message is strictly prohibited. If you are not the addressee (or responsible for delivery of the message to the addressee), please notify the originator immediately by return message and destroy the original message. This message and any attachments have been sc anned for viruses prior to leaving our network. However, we do not guarantee the security of this message and will not be responsible for any damages arising as a result of any virus being passed on or arising from any alteration of this message by a third party. We may monitor emails sent to and from our network. Toothfairy Finance is a trading style of Web Loans Processing Limited which is a company registered in England and Wales whose registered address is Web Loans Processing Limited, 15 Lyndhurst Terrace, London, NW3 5QA, United Kingdom. Company registration number 7275227. Web Loans Processing Limited is licensed by the Office of Fair Trading under Consumer Credit Licence number 637426. Right, so did a bit of picking apart - once again theyre taking '9 times the value' of what i owe. OMG - I so wish they even attempted to do this! Apparently they are allowed to carry on debiting my account as well?!? They can't spell already and lets put the icing on cake, and the cherry on top they are asking me to consider the enviroment before i print this e-mail :whoo:maybe they are not that evil after all? Oh, one last thing - this e-mail was from toothfairy, whom are asking me to pay off to Northern Debt Recovery... YOU'RE ALL THE SAME!!! YOU HAVE THE SAME BANK DETAILS YOU IDIOTS!!!

Yeh been reading some people been having problems and it amazes me how useless certain banks are and theres one in particular and I have gone through my conspiracy theory on this forum and i still stick to that until the day I have been proved wrong!!! Would have thought the banks would be on our side after all they have a duty to help us out as well as screw us over as they do!

Full of hot hair dude! They will not carry out a SINGLE threat. 16 months now and no solicior letter, no court action, no home visit... NOTHING!!! I'm starting to think that I have more chance of winning the lottery than for these idiots actually carrying out a single threat lol

correct! bunch of blooming idiots! also getting texts again, so i just e-mailed Joe reminding him i have revoked permission for him to contact me on my personal numbers, so he had better stop!!! they can try and take money, but i sorted this out a year ago! theyre sneaky little **** bags, they will say you're only paying x amount, then multiply it by god knows what and the next thing u know you are hundreds of pounds overdrawn and your bank slap on charges as well and they just screw you over. They don't give a flying duck! Have u cancelled you're CPA tink?

ooops!!! Literally just got this through!!! Loan Ref: xxxxxxx / xxx(x) 29/11/2012 Dear thaiboxer This is a reminder that you committed to pay back your ToothFairy Pay Day Loan debt. This debt is now very overdue. We have allowed you to extend the loan as a goodwill gesture. As part of settling this debt you are committed to paying GBP 54 by 30.11.2012. In accordance with the Standard Terms and Conditions you agreed to, we will be automatically taking payment tomorrow as agreed to therein. Please ensure the amount of GBP 54 is available by midnight tonight. IT IS ESSENTIAL THAT YOU HONOUR THIS AGREEMENT AND THE PAYMENT. If there are insufficient funds in the account and/or the payment fails, your file may be fast tracked to Door Recovery Agents and failed payment fees of GBP10 per transaction applied. If payment continues to be non- forthcoming, then the file will be passed to our Solicitors for review. This may lead to a County Court claim (or Sheriff Court claim if you are in Scotland) against you. IF YOU DO NOT WISH FOR US TO TAKE THIS PAYMENT YOU NEED TO CONTACT US ON 0843 381 0843 IMMEDIATELY SO THAT YOU CAN ARRANGE FOR REPAYMENT, STOP YOU INCURRING FURTHER LATE PAYMENT FEES AND ESCALATING ACTION! If you have any questions regarding this, or will be unable to pay contact customer services NOW! Yours sincerely, COLLECTIONS NORTHERN DEBT RECOVERY 0843 381 0843 NOTICE: The contents of this e-mail are intended for the named addressee only. It contains information which may be confidential and which may also be privileged. Unless you are the named addressee (or authorised to receive for the addressee) you may not copy or use it, or disclose it to anyone else. If you received it in error please notify sender immediately and then destroy it. Northern Debt Recovery Limited (NDR) is a company registered in England and Wales whose registered address is Northern Debt Recovery Limited, 15 Lyndhurst Terrace, London, NW3 5QA, United Kingdom. Company registration number 6956396. Northern Debt Recovery Limited (NDR) is licensed by the Office of Fair Trading under Consumer Credit Licence number 631166. YAAAAY I have missed getting these E-mails. This is also a new format that they are using saying they can add on more charges if they fail to debit my account (as highlighted in red)... Well good luck lol

:rofl:250 is a JOKE and that is the 250 they are telling us about. I bet there is at least double that! And how many of them are run by the same entity ie: toothfairy finance - think they have at least 20 different trading names One would imagine that this investigation is going to be going on forever becbe easily dealt withause the OFT have so much to deal with. So long as they CANT remove money from your account we know there is no real major issue apart from the continual harassment. But we just have to keep reporting it and pray that other people are doing that as well!!! It is just a shame the Police wont really get involved, because in my eyes it is a criminal offense they are commiting, but we all know about one Oliver Larholts past ...

i sent in the £1 for this SAR thingy on monday and informed joseph, but nothing as of yet and I am not expecting anything lol... if u read about on this forum somehwere it says the OFT has basically told a few PDLs off but I can't tell u what ones as my PC keeps crashing whenever I try to access it. But what surprises me is how many PDLs there actually are. They are in the 100s!!! Or try the BBC website - either way the OFT has told them to buck their ideas up when it comes to collecting debt or they will get sanctioned or closed down... Not good enough in my opinion! One PDL to one licence and don't let them play the system like toothfairy are doing!

unfortunatly that is one major issue - i too have had many e-mails offering me all sorts of things i would never dream of wanting, daily i get at least 5 txts from companies attempting to offer me PPI refunds, and loans etc etc... It's all a marketting thing and no doubt it is a way toothfairy make a little bit more money and there is not an easy way out of it... my advice is wait for someone to call you and demand they remove you from their system or you will report them. I did this a while back and i have not been getting as many e-mails/texts or calls and it is just a case of continuing this and filtering out spam mail

cheers tink - i really cba to write back to him yet, im going to enjoy me weekend, just like he enjoyed his holiday a couple of weeks ago, and i will reply in my own time. The cheek of him pointing out that i made charge backs - you should have given me more than 24hrs notice that you were going to debit my account for extortianate amounts that did not reflect the true cost of debt collection! pompus idiot!

ok todays e-mail from joseph - please bare in mind I asked him to provide me with a copy of the T+Cs that i signed and this is the reply i get - so if anyone has some wise words of wisdom, please, please help as I'm not sure my stance from here: Dear thaiboxer24, Thank you for your email. If you would like to make a request under the Consumer Credit Act 1974 sections 77-79 you need to make payment of ?1 as set out in the legislation. As you have made numerous chargebacks, you will need to make this payment via cheque to Marshall Hoares Bailiffs, PO Box 154, Sheffield S98 1HU or by making a bank transfer to: Barclays Bank: 13492192 209561 Please use reference number:xxxxxxx Kind regards, Joe xxxxxxx

ABSOLUTLY rippedoff! get every little peice of info over to the OFT and the FOS, so that if you appeal the FOS have more evidence that you are trying to come to a decision. Send EVERYTHING to the OFT even if it equates to the size of an encyclopedia! Oh and I bet that e-mail was from speed credit or toothfairy finance - who are telling you to pay via ndr website, but is it not mhb who 'legally own you debt'? Once again - proof that they are all in one!