TOOTHFAIRY Finance HELP!!!!!

[lovewishx]

Hi i foolishly taken out a 100 pound loan with tooth fairy fiance in oct 2010. I not long after lost my job and could not repay the loan. i did not receive any information from tooth fairy no credit agreement or anything to say i had taken the loan out. now my file has been passed onto NDR which is now in 750 arrears which is absolutely ridiculous. I have been trying to set up a payment plan with NDR and they are not accepting anything i offer as i am expecting a baby in less than 5 months and no employer will take me on at this time. i don't know what to do i have had threatening texts no letter at all and now my file has been passed onto MH Baliffs saying if i do not pay the loan back in full they will visit my address.

 

i am sick with worry i am sure they cannot leagally do this

[Delboy01]

Hi lovewishx have you had no communication from toothfairy like a default notice or something?? If they have passed it onto NDR they should have told you. You should email toothfairy for a thorough breakdown of charges and interest and a copy of your agreement. Perhaps email NDR asking for a copy of your agreement with toothfairy and inform them you do not acknowledge the amount they are claiming. Hopefully someone will be along soon to advise you properly. Above all chill, time is on your side, move at your pace not theirs. You are amongst friends who will help.

[lovewishx]

No i received absolutely nothing. No letters about my account being passed on or anything i have been told they cant legally do anything as i did not receive letters of my case being passed on but i don't know really.

[stressedx]

No i received absolutely nothing. No letters about my account being passed on or anything i have been told they cant legally do anything as i did not receive letters of my case being passed on but i don't know really.

 

Hi, sorry not much help but i am also trying to sort some payday loans out and 4 months pregnant. I spent about a month sick with worry but after i started bleeding i realised baby is more important. My baby is ok, try and relax hun, easier said than done i know x

[robjam1969]

Hi Lovewish. NDR or their associates have no more right to visit you than I do. Bailiffs will need a court judgement against you and for you to fail to pay it. You are a long way from that. I think you have two options 1- tell them to get lost and that you will see them in court or 2 make them a monthly offer to pay back say £125 in total. Either way their £750 'balance' is a joke. Make sure you keep a copy of all correspondence. I am 99% certain they will never take you to court.

 

Good luck and don't worry about it.