Toothfairy/Marshall Hoares/Nothern Debt Recovery

[amy_louise]

Just need a little advice on this situation,

 

I had a loan from Toothfairy Finance, couldnt repay on time due to financial reasons, this was over a year ago now! The last text i had from them my loan was well over £3000 from a £400 loan, I have had all the letters/emails/texts that everyone else is getting then i had a man turn up at my door claiming to be from Marshall Hoares, he explained to me that he was going to get someone on the phone for me to speak to and that we would try and resolve the problems and set up a payment plan, the lady i spoke to said as a gesture of good will they would remove some of the charges from my toothfairy loan, she also claimed that another loan of mine from speedy dosh had been passed on to them and that she couldnt remove any of the charges as it is not a loan with them, i thought bonus!! finaly something was getting sorted, i agreed to pay £60 to both loans so £120 in total via standing oder, the woman on the phone said she would email and text me the details i needed to set up the standing order and confim the payment plan, i recieved the text but no email, the guy that was at my door went away with no hassle and i thought i was on the right track.

 

I paid the first installment on the date we agreed, i got a text from Northern Debt Recovery a week later saying i had not stuck to the agreement and that i needed to contact them, i phoned and said i had paid the £120 on the agreed date and the lady on the phone said she would sort it out at there end. Again i paid the £120 this month on the agreed date and again they have sent me the same text and a voicemail saying they are going to send someone to my home???????

 

I am beyond confused now with these 3 companies, i wanted to send them a letter but when i have just gone to get it from there websites i have seen a post on another website saying there address is incorrect and that building is empty!!!!

 

What do i do? i dont want to call these people as they are agressive and in general horrible to deal with, should i cancell the standing order if as they say the are not recieving it, i dont want to be giving them money and them pretending they havent got it if they have.

 

Any help would be gratefully recieved

[amy_louise]

Also i forgot, in the last couple of weeks i recieved a letter from Speedy Dosh saying if i didnot contact them they would pass my account on to a debt collector, if NDR have my debt doesnt this mean it has already been passed on?

[debt mess]

i have no experience on legal side of things but if you have paid you have proof, i have been paying my agreement with them over 16 weeks have paid on time every time and still had these sort of emails texts, please dont pay back more than you should look around forums they are a good help