Marshall Hoares Ground Agent

[Raghnall]

Hi guys, I took out a loan with toothfairy finance almost a year ago for £100 and after being unable to pay on the agreed date due to a change in circumstances I have been threatened and mentally tortured by this company. I've tried emailing them countless times to work out some sort of payment plan but I get the generic response. I currently have no job as i have just finished college and i literally have no money so I cant even make token payments. Yesterday a ground collection Muscle Man from marshall hoares came to my door and tried to pressure me into repaying even after telling him I had no money. I have send 3 letters to toothfairy in the past stating that I would not accept a door visit but they just dont seem to listen. I live in Scotland and I was under the impression that the laws are different up here but they wont stop harassing me 7 calls a day, 2 letters a week and constant emails and now this. I appreciate any advice you can give I just want to know what my rights are or what i can do?

[renegadeimp]

Get complaining to the OFT. Make sure you go into as much detail as possible. Their company has already had restrictions placed on them for the exact same things.

[Raghnall]

Thanks for the reply renegade. I've already complained to the OFT and Trading standards I was hoping for some advice on what I can do if they send these guys round again. I dont want these gangsters coming to my house is there anything I can do to stop that?

[renegadeimp]

If they come round, tell them to get lost. Same as you would with anyone else at your door that you didnt want. They have no legal rights at all.

 

As for stopping them from even thinking about it:

 

http://www.consumeractiongroup.co.uk/forum/content.php?441-If-you-do-receive-a-doorstep-visit-we-give-these-suggestions-to-Members

 

If they still come round, call the local police on 101 and say you have someone at your house who is threatening you and refuses to leave.