Speed Credit/NDR...Cheeky little work around for the email and postal problem

[Haylezz123]

Hey Guys

 

I have been battling with Speedcredit/toothfairy/NDR/Marshall Hoares for months and months.

 

I finally got them to agree to a payment plan. On a £100 loan they had hiked up charges to nearly £1500, through sheer grit and determination I managed to get them to agree (in writing) to 3 payments of £58 to settle and close the account.

 

All was fine, I made the three payments (Oct, Nov and Dec) as instructed on their email (via bank transfer with a reference number)

 

Those jokers have now said they cannot find my November payment and I still owe them £58 and unless I pay they will start recovery for the full amount of £1560. I have called them and replied via their useless web pages numerous times, and numerous times I am told their account department is looking into it, then 2 days later I get another round of emails telling me I still owe them money. In my last phone call I told them that I have my bank statement to hand to prove that the payment has made, I have even instructed my bank to run a trace on the payment..... I was told to email it to them......Idiots! I was then in a later call told to fax it to them....!!

 

Now being in the 21st century I do not own a fax machine and my work do not own a fax machine. So what was I to do, the lovely man on the phone told me to seek out a corner shop and get them to fax the sensitive documents over...... again REALLY!

 

Soooo here is my cheeky work around.

 

I have found a online fax service offering a free 30 day trial. The service gives you your own fax number and will fax whatever you upload to any other fax machine number (after the 30 days its £7.99 a month but you can cancel it anytime during the trial)

 

http://www.efax.co.uk/

 

It works a treat! Sent my letter, copy of their letter accepting a payment plan and copy of my bank statement proving payment (with my bank account number and sort code blocked out, not having the cheeky buggers try and get any more money out of me!) via fax to NDR at this number 0203 137 0794 and a few minutes later got a fax receipt telling me my transmission was successful, sent to my email address.

 

To be fair that fax machine at NDR could actually be their local corner shop but that is the number they gave me and I have a receipt to prove I have sent the letter should anything come back to me later.

 

I wanted to share this with you guys as I know everyone has trouble emailing and sending letters to this company and indeed getting recorded delivery proof via royal mail.

 

Perhaps going old school and faxing will help some of you

 

Keep on plugging at them guys.... you can do it!

 

Love

 

H xx

[renegadeimp]

If they cant find it, and you have proof through your bank statements that it was sent and the bank can confirm it was recieved, then its THEIR problem to find it. These companies are well known for lying through their teeth to extort more money.

 

Do NOT phone them or use their silly livechat feature. Deal with everything through email and recorded delivery letters so you have a clear and accurate paper trail.

[Haylezz123]

I just want to cover myself from all angles. Plus I want them to find the payment so they can mark my credit file accordingly and I can get on with my life

 

I did however just have a very interesting conversation....

 

I just checked my credit file and Web Loans Processing (who are used by speed credit etc) performed a recorded credit search on my file in December 2012 which I found strange as I had not authorised any such credit search so I called Web Loans Processing from the number on their website to query it. Toothfairy automated service picked up, I then pressed a few options and got through to Marshall Hoares Baliffs who after a lot of explaining as to why I had called, they had no idea about my payment plan and no record set up. Which is strange as I have an email from them and NDR confirming such! I was told that they are just a call centre and don't have dealing with the other companies.......When I pointed this out to them that it didn't matter who I spoke to they are all the same and I had emails from them both detailing my payment plan, they backtracked and said ahhh yes there is just one payment of £58 to close the account can you pay this today....... face palm! I repeated that I had made this payment and have now faxed them all the documents this morning and was told by the guy (who actually wasn't that bad to talk too, much better then the usual numpty that answer the phone!) that he would investigate this mess up and sort it asap for me.....We'll see!

 

When I finally got round to the actual reason for my call to Web Loans Processing, and asked why a credit check was performed they could give me no answer, they said usually a credit check was only done when the loan was applied for or a default was being added...... this all happened 2 years ago! So iv lodged a dispute with call credit

 

Strangely enough, according to my credit file there is just an outstanding balance of £58 on this account (not the £1560 it used to say......)

 

I know they don't have a leg to stand on and I know I have made my payments as agreed so that nothing can come back to me, I just want to get this closed down once and for all.

 

Fingers crossed.

 

H x

Edited June 30, 2013 by citizenB

[renegadeimp]

Why did you phone them? Keep things in writing so you have full proof of what they say.