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Hi guys,

 

I'm really hoping someone can help me on here!

 

For weeks I've been reading some really good advice on here that has settled my mind regarding my short term loan with Toothfairy Finance.

 

However thought i'd sign up and get some personal advice! So here goes.

 

I was a student, I needed cash to eat. My job was just getting me by from day to day.

 

So I googled payday loans, out of interest.

 

First two that came up was Wonga (who are VERY helpful and professional) & Toothfairy.

 

I've taken loans out from both, £200 from Toothfairy with the idea I pay it back within 2 weeks.

Making the interest £218 (£9 per week interest)

 

then, I lost my job :( and then I had to move.

 

With all the confusion and lack of funds I couldn't afford to pay the amount owed back.

So I called them. I was polite and professional as always and I got the rudest women on the phone saying I have incurred late fee's and more interest.

 

They refuse me a payment plan. I know apparently owe them £420 from a £200 loan.

 

I have asked SO many times for a payment plan!!

 

I've since moved from my last address & I haven't been so stupid as to inform them where I live now.

What are my rights?

 

Can they send people to my previous address as the one stated on file I my mum's address?

Can they take me to court even though I've explained and offered a payment plan to them?

Can they even charge £100 late fee?

 

I'm so scared that it'll escalate and I really don't know what to do!!

 

I just don't have the funds to pay them that much back!

I'm back in work now but I have rent and bills to pay!

I sold my car, and was going to pay them back with that!

Then another more important thing cropped up!

How can they warrant beings rude an unhelpful?

I've never dealt with a company like these!

I've made a new bank account up. So they can't access my money & leave me skint.

 

I've emailed them saying I'll pay back £200 plus 2 months interest over a 2 month period.

Then email got sent back to me, saying they no longer accept incoming emails and to do it on there website.

 

Which I did! If anyone has the valid email I'd be grateful!

 

Any information, I'd be SO grateful for that too!! :( please help!!

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you will only ever owe the loan total + 1months interest

 

i've moved this too the payday loans forum

 

have a read of a few threads to get the info upon how to pay via internet banking ONLY

 

if they have your card details report it stolen.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Becci, i have had the same problem with Toothfairy Finance, i eventually got them to accept a payment plan but they told me the lowest they would accept was £150, i took out a £300 loan with them, mine is now at over £1000!! email them through there website, they will reply, dont worry about them sending people out to you, they have also threatend me with this but nobody has come, they are just trying to get you to pay

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please do NOT pay any payday loan company any more money in total bar....

 

the cost of the loan + 1 months interest

 

there is NO legal remit to add ANY charges at all as the agreement would have ended.

 

or reclaim them back

 

don't get spoofed.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks guys!

I've read so much about them being spoof artists!

 

I keep getting unknown call's from them! It's actually making me change my number it's that bad!

I wouldn't mind if there staff were friendly!

 

This is a lesson, I will NEVER use payday loan companies again. And deffo not these idiots!

 

So loan amount plus one months interest!

That mean's i should owe them £236.

Which I can afford to repay.

Why do they make it so difficult? They leave it so you rack up the interest and pay!

 

Will it stay on my credit file for the next 6 years? x

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what presently listed there?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi guys!

This company is a complete joke, I would love to take them down!

 

Had a call from someone who claimed to be from Toothfairy finance. When i refused to speak to them, he changed his mind and decided he was from NDR. i stood my ground but he insisted i pay £100 a month for 5 months.

Leaving my £200 debt to £500?

He reckons i've incurred recovery and legal fee's and my loan was actually £920 and he was doing me a HUGE favour.

I've agreed to the payment plan starting from next month but now i regret it.

I'm thinking of paying £200 plus maybe £100 interest and then blocking the direct debit.

 

Have i been stupid?

He wouldnt let me get off the phone and insisted he would send a recovery agent around

 

Thank you

x

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please HELP, I have been speaking with CIM Technologies Limited, who i believed would be able to help me with information on gogetloan.co.uk, i wanted to cancel my application after i have read all the bad press etc, i dont like the fact i cant contact gogetloans directly their email doesn't work and neither does their phone number, they have been helpful and also dont understant their practices. The thing is i was only funded the laon yesterday and they want 120 admin fee charge to cancel? What the hell, i have said i will pay back the £400 today yet the transaction wont go through? i am confused!! They said they will help and get back to me? but i am still liable, this has left me in a much worst position than before, This company is a joke!! Is it even legal that you cant contact them?

I feel i should block them from my bank, but i dont want a bad credit file! Please help anyone know what this company is? I feel i should report them, they have my details but i cant have theirs???

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please HELP, I have been speaking with CIM Technologies Limited, who i believed would be able to help me with information on gogetloan.co.uk, i wanted to cancel my application after i have read all the bad press etc, i dont like the fact i cant contact gogetloans directly their email doesn't work and neither does their phone number, they have been helpful and also dont understant their practices. The thing is i was only funded the laon yesterday and they want 120 admin fee charge to cancel? What the hell, i have said i will pay back the £400 today yet the transaction wont go through? i am confused!! They said they will help and get back to me? but i am still liable, this has left me in a much worst position than before, This company is a joke!! Is it even legal that you cant contact them?

I feel i should block them from my bank, but i dont want a bad credit file! Please help anyone know what this company is? I feel i should report them, they have my details but i cant have theirs???

 

 

please stop hi-jacking peoples threads

you have your own one already.........

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

please HELP, I have been speaking with CIM Technologies Limited, who i believed would be able to help me with information on gogetloan.co.uk, i wanted to cancel my application after i have read all the bad press etc, i dont like the fact i cant contact gogetloans directly their email doesn't work and neither does their phone number, they have been helpful and also dont understant their practices. The thing is i was only funded the laon yesterday and they want 120 admin fee charge to cancel? What the hell, i have said i will pay back the £400 today yet the transaction wont go through? i am confused!! They said they will help and get back to me? but i am still liable, this has left me in a much worst position than before, This company is a joke!! Is it even legal that you cant contact them?

 

 

I feel i should block them from my bank, but i dont want a bad credit file! Please help anyone know what this company is? I feel i should report them, they have my details but i cant have theirs???

 

 

i have no idea what tyou mean hi jaking other Peoples threads?? i have just joined

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i have no idea what tyou mean hi jaking other Peoples threads?? i have just joined

 

if you go to the top of this page

you will see someone else started this thread with 'their' issue

 

you have jumped on the thread

 

as posted to your postbox yesterday.

you alreadyhave your own thread here:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?317891-archie-amp-GoGetLoan-help

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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