Tooth Fairy problem

[Carole 56]

My son-in-law took out a pay day loan from Tooth Fairy. He had difficulty making a payment and so my daughter agreed to make a one off payment using her debit card. Since then Tooth Fairy have been debiting her bank card and when she tried to cancel the payments she was told that having made the one payment for him she had become his guarantor be default. She and her husband have since split up due to his addiction to these pay day loans. She is struggling to cope on benefits and cannot afford to keep making the payments for him. Can they really insist that she is now the guarantor for his loan?

[Bombaymix]

I think they're talking absolute crap. Guarantor loans would be described as such.

 

Tell your daughter to 'lose' her debit card as soon as possible (if not sooner).

 

These additional payments (ANY payments other than the ones she agreed to) that this company have taken from your daughters cards are IMO fraudulent.

 

I'd suggest writing to this company and telling them that they must refund the payments as soon as possible and that the loan was not your daughters.

 

Hopefully those with more experience will be along shortly to offer further advice.

 

Get that debit card cancelled as a matter of urgency!

 

Regards

 

BM

[rippedoff15]

Hi, Sorry to here your issues , but you will not get any refund from this company. Just to give you some information: If you write to toothfairy loans your letter will not even be read as all their mail is to an empty garage ( I have been to the address ) Cancell cards NOW even better open a new bank account which we had to do we found --[edited]-- was great no credit checks and now within 2 days been with them for about 12 months. Back to the sharks.

 

--[link removed]--

 

1, You are not a Guarantor unless you signed paperwork which this company do not process.

2, Report them to OFT

3, You may get letters from the following : Marshalls hoares Bailiffs ( they are NOT bailiffs ) dont worry about them at all bunch of clowns.

4, Same with DR (( Northern Debt Recovery )

5, Same with Appleton Massey Solicitors

 

Note Marshall Hoares, NDR & Appleton are all the same company, if you did not take outr eh loans YOU do not have to repay them at all, check your credit file and if they have added information relating to the loans get the credit file company to remove them asap, dont worry they can not take any court action if you did not take out the loans.

 

 

Good look be strong

Edited November 3, 2012 by Conniff
Link remove as it lead to a fee taking company

[Nao]

That is probably the single most atrocious thing they have done to date.

 

There is absolutely no legal way they can insert a guarantor into a credit agreement where there was originally none.

 

Immediately report it to the OFT, FOS, Trading Standards as well as the Police.

Also report it to the media (watchdog).

 

Your Daughter also needs to take it up with Bank, those payments where unauthorized, the Bank must by Law refund them immediately. (the Bank won't loose a penny either as they can recover every penny refunded plus cost to do so from Toothfairy).