Yet another one! Toothache fairy/Marshall Hoares

[renegadeimp]

There they go with that last part yet again, threatening to add all their ficticious fee's and charges that hold no weight anyway. Including the interest which they cant add on as per FOS regulations.

 

They also start threatening something completely wrong in point 3, which MUST be sent to the OFT, as it breaks guidance and the terms of their credit licence.

[Bombaymix]

Hmmmm! It's looking promising!!!

 

Just once again, just email with the points in my post ^ and see what they have to say. You might have caught them on a rare good day afterall!!

[tinkerbell_2k12]

Theres something that doesnt feel quite right about that. Just keep an eye on it.

 

Totally agree ren, dont think ive read a thread where theyve backed down so easily

[Haylezz123]

I have sent them an email as per bombaymix advice, lets see what they say.

 

In both emails it mentions accepting my offer to pay £176 in 3 installments, in the NDR one it says to close the loan, and in the title of the email it says payment plan confirmation.

 

Eeek! Lets hope this isn't all too good to be true

 

H

[Bombaymix]

Nice one Haylezz! Let us know what they say

[renegadeimp]

One thing to add. You dont want the loan simply closed upon paying those amounts. You want it settled in full. With no chance of them passing on the debt to another party and you want any markers on your credit file removed.

 

You might not get the markers removed, but the main thing is that those bogus charges dont get sold on.

[ROGERSNROGERS]

Hi H

 

Can you send me the email address you found then as I am having nothing but hassle from these people. I have emailed (emails just bounce back) I have written. never get a reply and I have called (they don't listen) yet today i get the following:-

 

BY LETTER AND EMAIL

 

Reference: ********

 

Client: Speed Credit - Speed Credit Loan***

Client Ref: 155*****

 

Date: 29/09/2012

 

Dear Rogers, (Cheeky Feckers didn't even address me by my correct 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]

As said before, ignore it. It is a standard letter designed to threaten and intimidate. The only thing you should do with it is contact their local trading standards and the OFT.

[Sillyboywyn]

Does anyone have working emails for these clowns? I have Josef xxxxxxx and Oliverf Larholt but they are now ignoring me.

Edited December 1, 2016 by alanfromderby

[renegadeimp]

Just remember guys. These guys are extremely hard to deal with. Plus their registered addresses arent actually anything to do with the companies. The OFT know this and are investigating.

[renegadeimp]

Just send them emails to their registered addresses. If they bounce back, make sure to keep the bounce back email. You could send them normal letters, but they dont actually own or rent any of their registered addresses. They are empty properties that have no association with the companies. One of them is even a residential apartment that the owner got evicted from a few years ago for breaking his tenancy agreement.

 

Another is an empty garage that also has no association with him. We even had a poster on here go to the addresses to see if they were actually real.

[Haylezz123]

Just keep emailing the registered email address, bombard them if you have to. eventually they will email back.

 

I just kept sending the same email over and over again, think I annoyed them into submission more than anything.

 

Good Luck! It can be done!

 

H x

[Haylezz123]

Heeey guys

 

Just wanted to give you all a quick update on the situation.

 

I too like some of you were concerned that the email sent by toothfairy/ndr agreeing to a much reduced balance paid off in 3 installments was a fake.

 

Today (the day before my 1st payment was due) I received an email from them gently reminding me that the 1st installment of my payment plan was due, again detailing the 3 payments of £58.67. I logged into my online account on the ndr website to check and low and behold they have stuck to what they agreed and my balance is now £176 (not the £1400 they were stating before).

 

So as per their email I made my 1st payment via bank transfer with the correct ref numbers and have emailed them to confirm I have done this.

 

2 more payments to go! By 2013 I will be done and dusted with toothfairy!

 

Keep at it guys!! You can do it!

 

H x

[ROGERSNROGERS]

Hi Guys,

 

I have also agreed a payment plan with Speed Credit at only £10 per week £40 per month to pay off my loan they have also agreed to the initial borrowing plus 1 month interest as apposed to the thousands of pounds initially requested. I have it all in writing I have mad my 1st installment by bank transfer and they have backed off. Have to thank some people on here for keeping me sane and also giving me a contact email of someone who actually spoke sense and helped me a lot. Will be a while before I am Speed/Toothfairy free but at least for now I am not being bombarded on a daily basis.

[thaiboxer24]

this is interesting - i have been e-mailing joseph xxxxxxx (one of the directors of toothfairy) and he will not let me pay less than £2000, even though I have caught him out a number of times trying to twist what I have been saying.

 

Nether the less, well done guys!

Edited December 1, 2016 by alanfromderby

[sillygirl1]

Send the bounced email history to the OFT - if you do not complain to them you are wasting your time posting on this site.

[tinkerbell_2k12]

Well done guys

 

Maybes i should stop dealing with joesph and try emailing speed credit directly again, but maybes that goes against marshall hoares sayin they legally own the account

[Nao]

I doubt they would notice the difference, after all all their various trading names are being run from one and the same office, they all use the same bank account and so on.

[Haylezz123]

I emailed speed credit, toothfairy and marshall hoares! You have to use the contact us on their web pages as the emails will bounce back if you do it direct, but persevere, eventually someone will get back to you.

 

H x

[tinkerbell_2k12]

No way would i use the.contact us form, its their way of not allowing you not to have proof of what you've sent, they do have a working email address info@speedcredit.co.uk

[Haylezz123]

I did both, direct email so I had proof and through the contact us form.

 

I literally bombarded them! Seemed fair, seeing as they bombarded with with nonsense for months

 

H

[tinkerbell_2k12]

Very true since they do harrass everyone

[Haylezz123]

Heeey Guys

 

Little update for you! After a long and drawn out battle this is all finally done and dusted! After setting up a payment plan last year, and sticking to it, Speedcredit/Marhsall Hoares/ NDR tried telling me they had not received my payments, even after getting my bank to run a trace on them and faxing them proof they still insisted that although I had paid what was agreed this was not enough to close the loan. After goodness knows how many emails, faxes and calls, I finally got them to agree to close the account and have confirmation that this loan is paid off! Logged into the site and it says " good news, this loan has been paid off" 8 little words have made me so happy, and a huge weight off my shoulders

 

Altho the cheeky buggers do go on to say, please feel free to apply for another loan. Hmmm no thanks, id rather stick pins in my eyes than deal with this lot or any other payday loan company ever again!

 

I have learned such a hard lesson from all this and will never get myself into this situation again.

 

Thank you so much CAG for being so helpful and full of non judgmental advice! You guys are legends!

 

H x