Another Toothfairy story

[ROGERSNROGERS]

NDR Sending threatening Texts and Emails.

 

Hi all, A few months ago I couldn't afford to pay my rent so stupidly borrowed £400 from Speed credit who from reading the various posts on here go under various different names including Tooth Fairy Finance. Anyway to cut short a very long story I lost ,my job and couldn't afford to make the repayment on time. I tried to call them but my requests for more time fell on deaf ears and I now keep receiving emails letters and texts from them. I have tried to reply to the emails but they keep being rejected as "No Such Address" Anyway today I received an Email and Text from NDR saying that unless I Pay 1000 tonight (my original loan was 400) then the Bailiffs will be coming in and taking goods to the value of 9 times my debt. This scares me silly as I rent my home furnished so technically none of my possessions belong to me. I have spoken to citizens advice who told me not to worry (Easier said then done) I have also reported to trading standards. I am at my wits end and don't know what else to do. The email sent to me is as follows:-

 

Dear Mrs Rogers

 

Re loan ref: 447909512125 / 15531687 / 9

 

We have been passed your file by our client Speed Credit t/a Speed Credit Loan***. You took a loan with them on 04.08.12. They have made numerous attempts to contact you to arrange repayment and have offered to put you on a more flexible and affordable payment plan. As you have ignored all calls, emails, letters and sms your file has now been passed on to ourselves as well as solicitors.

 

If you ignore this letter and do not make contact within 5 working days on 0843 381 0843 we will be left no option but to send our Recovery Agents to all addresses we have on file for you in order to obtain payment. Should this also prove unsuccessful we will be liaising with solicitors who are in the process of obtaining a County Court Judgement against you. Once this is secured we will return with a W arrant of Execution from the County Court and certified Court Bailiffs to seize goods at 9 times the value of what you owe.

 

Legal and Recovery fees have been added to your file. Below is a breakdown of what you owe

 

Loan and Interest £784

Legal Fees £150

Recovery Fees £200

Repayments todate £0

Total £799

 

These fees may be reduced if contact is made immediately.

 

WE STRONGLY RECOMMEND YOU CALL US IMMEDIATELY ON 0843 381 0843. We can in certain circumstances put you on a more affordable payment plan but this requires your cooperation. This will freeze the interest and allow you to repay the balance over a more convenient period of time.

 

We, in conjunction with the Solicitors and the County Court will be pursuing you for the monies that you owe. This debt will only increase the longer you ignore it as interest will carry on accruing and Court fee s and Bailiff fees will ultimately be added.

 

If we do not hear from you within 5 working days you will be visited at all addresses by one of our agents. To stop this please call us today on 0843 381 0843.

 

If this debt has already been settled please contact us immediately so we can correct your file.

 

Yours sincerely,

 

 

DEBT MANAGER - Greg Campbell

NORTHERN DEBT RECOVERY

0843 381 0843

 

The attached is a complete lie as all they have done is threaten me and when I try to respond by email it is rejected and by phone they just threaten me so I have given up.

 

Can they really come to my house? I am happy to pay back what I owe but it will take time since I now have no Job!!!

 

Please help and Thanks for Listening

[renegadeimp]

They wont come to your house as they are not bailiffs. They have also been in the national media about their threats. Get that letter to the OFT in a full complaint. If anyone does come to your premises, refuse them access and tell them to leave immediately. If they dont, then call the police and tell them that someone is at your house demanding money with menaces and they will not leave.

 

Make sure to tell the police that they are not bailiffs and they have no legal rights whatsoever.

 

The letter you recieved is a standard threat letter designed to bully and intimidate you into believing they can do the illegal things they say they can do. We see it every day on here and it is a main reason why this outfit are currently under investigation, and its why you MUST make a full complaint about them to the regulators.

[princess901028]

I get this same letter once a week followed up by a text

[renegadeimp]

I can write up a letter in response if you like, but from prior experience, they normally ignore it. However, you can head it "Formal complain" which starts the official 8 week countdown so you can escalate the complaint to the FOS if it is not resolved.

[ROGERSNROGERS]

Thank You so much is there an address in particular where I should send my complaint to? It is so depressing when out of work and trying to make ends meet then getting parasites like this on your back 24/7 No wonder I can never sleep at night.

[renegadeimp]

If you are out of work and on benefits, then they only get £1 a month max, no matter how much they stamp their feet. I wouldnt worry about these idiots at all. Have a read of these forums and youll see that this company and indeed its owner is all talk and no action. No action because they know 100% that if they filed a court case and a defence was made, they would be guaranteed a loss.

 

They prefer to bully and harass until the debtor gives in and pays whatever amount they say just to get rid of them. It's why they're called legal loan sharks.

[ROGERSNROGERS]

That's just it I am not on Benefits, I can't get benefit because my NINO contributions ran out and my husband earns 1p over what benefit pays so we are not entitled. I am not paying them anything at the moment but soon as I am able to I am happy to pay what I owe including the original interest but nothing more!

[42man]

I have moved your posts to a new thread so it doesn't hijack anybody else's nor will it get 'lost'

[ROGERSNROGERS]

Received a letter from NDR today it says the following

 

Dear xxx xxxxxx

Re Loan ref xxxxxxxxxxx/xxxxxxxxx/xx

 

We have been passed your file by our client Speed Credit t/a speed Credit loans*** You took a loan with them on 04/08/12. They have made numerous attempts to contact you to arrange repayment and have offered to put you on a more flexible and affordable payment plan. As you have ignored all calls, emails, letters and SMS your file has been passed on to ourselves as well as solicitors.

 

PLEASE CALL US AS A MATTER OF URGENCY ON 08433810843

OTHERWISE we will have no option but to send out field agents to your addresses. We are also liaising with our soikitors who are in process of obtaining a County Court Claim against you. Once this is secured we will then be able to execute:

 

-a Warrant of Execution for court Bailiffs to secure goods

-an Attachment on Earnings to deduct sums from your income at source

- a Garnishing Order to freese your bank account

 

Legal and Recovery fees have been added to your file. Below is a breakdown of what you owe:

Loan GBP 400.00

Loan and Interest GBP 784

Legal Fees GBP 150

Recovery Fees GBP 200

Repayments Todate GBP 0

TOTAL GBP 1159

The fees may be reduced if contact is made immediately.

 

We in conjunction with the Solicitors and County Court will be pursuing you for the money that you owe. This debt will only increase the longer you ignore it as interest will carry on accruing and Court Fees and Bailiff fees will ultimately be added.

 

If we do not hear from you within 48 hours further action will be taken.

To stop this you MUST please CALL on 08433810843

 

Greg Campbell

Senior Debt Recovery Manager

 

I have also received the following email today:-

Dear xxx xxxxx

 

Re loan ref: xxxxxxxxxxxxxxxx

 

You have still not contacted us regarding your outstanding debt with our client Speed Credit in respect of your Speed Credit Loan***.

 

Please note that:

- all evidence and correspondence will shortly be sent to Solicitors and a case file prepared to be presented to the County Court for Judgement

- expect Recovery Agents to visit all addresses we have on file for you.

- your file is also with Bailiffs who will be pursuing this in conjunction with Solicitors.

 

We recommend you call immediately as we may be able to freeze any imminent activity on your file and come to a suitable arrangement with you.

 

You currently owe:

 

Loan and Interest GBP784

Solicitors - Case Preparation GBP 150

Missed Payment Fee 2 (day 43) GBP 10

NDR Accept Case File GB P 200

Missed Payment Fee 1 (day 29) GBP 10

Cash Transmission Fee GBP 5

 

Repayments todate GBP0

Total GBP 1159

 

You will be liable for the full amount and further Court fees if you do not contact us immediately on 0843 381 0843.

 

Yours sincerely,

 

 

DEBT MANAGER - Greg Campbell

NORTHERN DEBT RECOVERY

0843 381 0843

 

NOTICE: The contents of this e-mail are intended for the named addressee only.

 

It contains information which may be confidential and which may also be privileged. Unless you are the named addressee (or authorised to receive for the addressee) you may not copy or use it, or disclose it to anyone else. If you received it in error please notify sender immediately and then destroy it.

 

I have tried talking to these people and ended up almost losing it because of the sheer bullying. Never have they agreed a payment plan at a reduced cost. Any emails sent always bounce back as if they are refusing them or their email doesn't actually exist. Even contact through the NDR website bounces back Null or invalid.

 

Fed up of these people now. I have reported to OFT but not had reply, I have also reported to Citizens advice but they were not much help either. I am now very stressed out.

[42man]

The letter they have sent is deceiving, there is no such thing as a garnishing order - it is called a 3rd Party Debt Order....and will only apply if you are owed money by others....ridiculous, send it straight to the OFT

[princess901028]

@Roger - dont be stressed I get this letter once a week, plus texts, they won't come to you house they are dodgy beyond belief! take a deep breath and ignore them.

[Nao]

First of all, calm down, what they sent you is just their standard threatogram.

 

In order for an actual legal Bailiff to come to your house the following would need to happen first:

 

They take you to Court where you have a chance to defend yourself. What happens in that first Court involvement is essentially the Court deciding if the debt actually exists and if yes how much and the Court would then tell you to pay, however the Court will not make you pay it at a higher rate than you can actually afford.

 

If you would then not follow the repayment set by the Court only then could TF apply for enforcement.

Only once that has been approved a certified Bailiff (and Marshall Hoares are NOT certified Bailiffs) could then come to your Home.

 

Second, do not ever phone them.

If they do not respond to written communication from you then that is their problem and yours.

Just write to them that you will repay what you actually owe, original loan plus 1 month interest minus any payment already made and tell them to take you to Court if they want even one penny more.

 

None of the fees are enforceable and they are not allowed to add their 4000% or whatever interest rate after the credit agreement ended. There are actually ways they could legally claim 8% interest, but most Courts would just throw that out due to their massive violations of just about every guideline.

[ROGERSNROGERS]

Thanks ir just really gets to me. Thongs are not actually that great right now and this is just one thing I could do without. i am keeping all the emails and copies of letters I have sent as evidence. I have had payday loans before and fallen behind with payments but never in my life encountered threats like I am getting now as as a Women home alone with my very big dog it gets quite scarey to think that some heavies may turn up at my door and remove what little possessions I have.

[renegadeimp]

Get it to the OFT, take a deep breath and ignore it.

 

Also, make sure you keep that letter safe. You will need ti as evidence, should they, or you, take it to court.

[ROGERSNROGERS]

And the Saga Continues with Daily Text Messages, the latest one says:-

 

In 2 Days bailiffs will call to recover what you owe, this will damage your credit file and cause you further problems.Call us Now to avoid this action.

 

I have been getting this text for the past week with the days counting down and it is from NDR Recovery.

 

I have tried talking to them but they don't listen, I have tried writing but no replu and any email I receive, if I try to respond it gets bounced back as email doesn't exist etc,etc. They then have a cheek to say I have made no attempt to call them or resolve the matter which is simply not true. When I can I will pay what I owe plus the initial interest but I won't pay anything else!! Fed up of these people now

[renegadeimp]

Thats just the normal message they send out. You MUST report it. Do not ignore it. No bailiffs will come around, because there are none involved with the debt. The OFT take a dim view of this, and the more people that complain, the better. You could sent NDR a formal complaint, which you can then escalate to the FOS, but NDR will probably ignore it.

[ROGERSNROGERS]

And so it continues, more lies because No-One has been to my address and No-one has listened to my emails which are retutned and letters which will not be read because the address is void!!.

 

BY LETTER AND EMAIL

 

Reference: BAILIFF/INTR/

 

Client: Speed Credit - Speed Credit Loan***

Client Ref:

 

Date: 29/09/2012

 

Dear Rogers, (They can't even be assed to use my full name)

 

We are writing to give you formal notice that Speed Credit 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 1159 must be received in full no later than 13:00 SEVEN days fr om 29/09/2012

 

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. This will make it very difficult fo r you to get credit.

 

4. Credit reference Speed Credit 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

[renegadeimp]

Normal crap from MH. Report them to their local trading standards and the OFT.

 

Still love how they are misrepresenting themselves as Bailiffs and enforcement agents.

[ROGERSNROGERS]

After a two day break of No Texts, Calls or Emails I now get this

 

MH Bailiffs

 

You REFUSE TO COME TO AN AGREEMENT WITH US CALL 08433811111 TODAY or your file will be passed to RECOVERY AGENTS for persuit.

 

Very Badly written if you ask me and I thought MH Bailiffs supposedly were the recovery agents as this is what NDR said.

[renegadeimp]

Ooh. Theyre threating doorstep collectors now are they?

 

Also misrepresenting themselves as bailiffs too.

 

Ok. time to report them to their local trading standards office. Also, have a good read of http://www.consumeractiongroup.co.uk/forum/content.php?441-If-you-do-receive-a-doorstep-visit-we-give-these-suggestions-to-Members

[princess901028]

I got two lovely messages today;

 

You REFUSE TO COME TO AN AGREEMENT WITH US. CALL 08433811111 TODAY or your file will be passed to RECOVERY AGENTS for pursuit.

 

And

 

Home visit within 7 days.ToothFairy Finance Ltd £1294 file is now owned by MH Bailiffs.Check email & call 0843381111 to settle your debt & avoid extra charges

[renegadeimp]

Yep. A few others have had that message too. Time to get in touch with the OFT and file a complaint with MH, so you can get in touch with trading standards and the FOS. In the complaint, make sure you tell MH that they have bought a debt that was in dispute due to unfair charges/interest. If they ask for proof, dont give them any. It is up to them to get the details of the debt, not for you to supply them.

[princess901028]

Just got this email too

 

 

 

We are writing to give you formal notice that ToothFairy Finance Ltd - ToothFairy Pay Day Loan*** 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.

 

YOU WILL HAVE OR WILL SHORTLY RECEIVE A HOME VISIT

 

We intend to pursue you fully for all outstanding sums (GBP 1294) including any fees we incur collecting this debt. Payment in full must be received no later than 17:00 to avoid further door collection fees being added to your file. DO NOT IGNORE OR THIS WILL COST YOU MORE

 

Debt GBP 1336

Missed Payment Fee 1 (day 29) GBP 10

NDR Accept Case File GBP 200

Missed Payment Fee 2 (day 43) GBP 10

Solicitors - Case Preparation GBP 150

Missed Payment Fee 3 (day 57) GBP 10

Missed Payment Fee 4 (day 71) GBP 10

Missed Payment Fee 5 (day 85) GBP 10

 

Repayments todate GBP 442

Total GBP 1294

 

TAKE NOTICE: You should accept this letter as formal notification that unless payment is received within 4 days then your account will be fast-tracked and 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 in clude 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 any 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. This will make it very difficult for you to get credit.

4. Credit reference ToothFairy Finance Ltd 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”.

 

To AVOID A HOME VISIT or further action you should PAY IMMEDIATELY

 

1. online using a card by visiting:

http://www.marshallhoares.com

 

OR

 

2. at bank either over the counter at the bank or by electronic transfer to:

 

Barclays Bank

Account Number: 93462382

Sort Code: 20-50-94

Reference: Use your mobile number (447739382151) as a reference

 

This debt will not go away and should not be ignored

 

You can contact us on 08433811111 to discuss your outstandig debt.

 

Yours Faithfully

 

 

 

Anti - Fraud

Marshall Hoares Bailiffs

Telephone: 0843 381 1111

[renegadeimp]

Normal crap they always send out. Notice how they are also now accusing you of fraud.

[princess901028]

I know it's so shocking, ill be reporting this trow.

 

I've actually paid back the loan just £260 in interest I agrees to pay, however if they carry on like this they won't get a penny

 

It's just legal robbery isn't ir