toothfairy/ndr/marshall hoares bailiffs

[collie12]

I am worried sick. i took out a loan from toothfairy in april. i wanted £100 as i have had them before and payed back in time. on the day, it said i had to choose a higher loan as £100 wasnt available. i got a £200 one and then something happened so i didnt repay. i have since had numerous calls/texts/emails every day form them, and NDR wanting money. the debt has risen to £715 and will rise again if i dont pay within 3 days. today i have had a text from marshall hoares bailiffs sayig they will be at my adress in 3 days and will take things to 9times the value of the loan. i have emailed them, told them on the phone and through the contact us on all 3 websites asking how to repay an affordable amount each month/fortnightly. i am on benefits and get £148 every 2 weeks. i am worried sick for me and my young daughter. i have been sitting with blinds shut and not making noise/not answering door if i am not expecting anyone. i really dunno what to do. they wont give me an answer to repay what i can afford. oh, forgot, i had a text yesterday saying i had agreed to pay today in full but i never did. because i got the text yesterday, i went online banking and switched the money i do have in (my rent) to my savings account so they couldnt take it. anyone have any advie?

[collie12]

yet i still recieve daily emails from toothfairy saying i can now apply for a loan as i repaid the previous ones!

[havinastella]

Collie, firstly 'KEEP' that text saying they will collect your goods in 3 days.

 

Second, a real bailiff will only attend your property with a Court Order, for that to happen, they will have to take you to Court, Win in Court and for you not to pay what a Judge orders. As you are on benefits, thats about £3 a month.

 

They are trying to scare you and it looks like it's working. DO NOT speak to these on the phone and keep everything in writing. The most you owe is £200 PLUS 1 months interest whatever they tell you.

 

Don't be scared of these bullies, they can do nothing.

 

Jogs

[renegadeimp]

Looks like theyre doing a final last ditch attempt.

[collie12]

yes its working, i have only used payday loans 3 times, i payed the first 2 and now this one. on monday it was 365 i owed and by yesterday it was 715 through costs. of what, i don't know. if they come to the door i really don't know what to do. my daughter is only 4 and don't want her seeing anything like that. i actually wish tey would take me to court so it could be over with. i have tried to repay what i can afford but they won't give me the option. but the text i recieved yesterday saying i agreed to repay today is a lie. how can they say that? i am so worried

[renegadeimp]

Dont be worried. They are bullying you into paying an amount you dont owe and at a rate you cant afford.

[collie12]

so they cant make me pay? its not that i dont want to, its that they wont give me a payment plan. could they try take the money from my account? coz then i would be overdrawn and be taking on bank charges to

[renegadeimp]

Theres a lot of things they can try. But even if they took it to court, all you would have to do is show the judge full written evidence that youve tried to get a plan going but theyve refused completely.

[collie12]

i dont have written evidence, i have tried sending emails and the contact us forms, also when they have rang upto 20 times a day. i now ignore the calls the from them. should i write a letter to them?

[Jamie Kingston]

the only reason why they keep calling is because you ignore the calls. Trust me answer every one of them and explain to them your situation and repeat it again and again, I'll put money on it that the calls will stop. Ignoring them gives them a reason to call again, a letter isn't going to help.

[collie12]

just recieved a new email saying they have tried contacting me but i havent replied, i ignore the phone calls and when they have sent people to the door i have ignored it! i have answered some of the phone calls but got sick so ignored them, no-one has came to my door! it says next it will be going to court if i dont repay by 1pm next friday! they know i cant afford it, they know i am on benefits. what now?

[collie12]

so i should answer the calls? i only stopped coz they were asking the same questions over and over and every time i told them i was on benefits and could only afford a small amount

[renegadeimp]

Make sure you record the calls. You are dealing with a company who has a very long history of bullying and intimidation.

 

Do NOT call them unless you can record the call as they will bully you into an agreement you wont be able to keep to or get you to agree to giving them more money in charges.

 

Phoning them up is one of the worst things you can possibly do with this company and honestly i have no idea.why jamie is advising you to do so, given this companies well publicised history of intimidation.

[collie12]

i don't know how i could record the calls. i only have a basic mobile which cant really do much.

[collie12]

BY LETTER AND EMAIL

Client: ToothFairy Finance Ltd - ToothFairy Pay Day Loan**

Date: 10/08/2012

Dear stephenson,

We are writing to give you formal notice that ToothFairy Finance Ltd has legally assigned the rights of the above debt to Marshall Hoares Bailiffs. This means that Marshall Hoares Bailiffs Limited now legally own this debt.

Our records show that you have failed to make payments / not come to an acceptable payment arrangement/ not responded to correspondences / when agents have visited your addresses you have not answered.

We intend to pursue you fully for all outstanding sums including any fees we incur collecting this debt. Payment of 714 must be received in full no later than 13:00 SEVEN days from 10/08/2012

TAKE NOTICE: You should accept this letter as formal notification that unless payment is received within 7 days then your account will be considered for the following:

Consequences of inaction:

1. Court Judgement legal action will be automatically started in the County Court for recovery of the full amount outstanding. Any such proceedings will include additional claims for legal costs and interest which will increase the amount you will be required to pay.

2. Warrant of execution will be applied for to enable us to seize goods at your addresses and or an attachment of your earnings.

3. Register of Judgements the judgement will be entered in a public register, the Register of Judgements, Orders and Fines Credit Reference Agencies, who will supply them to credit grantors and others seeking information on you financial reputation. Th is will make it very difficult for you to get credit.

4. Credit reference Toothfairy Finance have already advised the Credit Reference Agencies of your Default. This may seriously affect your ability to obtain credit in the future. Once the balance is paid in full, only then will the default be shown as "Default Satisfied".

Yours Faithfully

 

Marshall Hoares

Bailiffs & Enforcement Agents

t: 0843 381 1111

this is latest email

[renegadeimp]

Get that to the oft in a full complaint. It breaks the oft guidelines on debt collectio in multiple ways.

[collie12]

oft?

[collie12]

just had a thought, surely if it has been passed onto NDR and now marshall hoares, toothfairy shouldnt be texting me saying i have agreed with them to repay today? is that right?

[havinastella]

Collie, they have passed it to the table next door, I'll pop in later with some letters to send.

 

And I know its hard, but they really cannot do a thing. Have a cup of tea or something stronger and relax knowing you have now found CAG!

 

Jogs

[collie12]

I've now read quite a bit about them and see how awful they are. when next Friday comes Will i get taken to court? is the worst that i pay back in installments? god, I've never been this worried and Will never get another pay day loan. doesn't matter how skint i am!

[renegadeimp]

No. Court is a very very long way off, if it even happens. If it ever does, simply post here and we can help you every step of the way.

 

You also dont need to worry. Calm down, take a deep breath and go grab a cup of tea. The PDL wants you to worry and stress so you break down and do whatever they say. Thats how they operate.

[collie12]

ok, so had email today from Marshall hoares saying basically, the debt has now risen to 760 and more costs Will be added on 24th august. if i pay now they Will reduce it to 600! or i can pay 100 per month til i have payed 760 and no more money Will be added. what now?

[renegadeimp]

That means there is something very wrong with the debt. Either bad charges or an unenforceable debt. They know you are panicking and worrying and are using you as a cash cow. They offer "discounts" to make themselves look as if they are doing you a favour.

[havinastella]

Have another cup of tea!

 

Oh and that advise just cost you £200. Will you be paying me the £200? Of course not and you won't be paying them £760 either.

[collie12]

so do i reply to them? or ignore it? what if they try takin money from my account? can they do that? i don't wanna be overdrawn!