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JadedGirl

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  1. I agree with renegadeimp, write to OFT and relate your case. I would also suggest filing a complaint with FSO. These solicitors probably don't know the whole story about your transaction with Tooth Fairy. I got a letter from them myself asking to pay a lower amount...It would have been relief to me except that..HOW IN THE WORLD DID THEY CALCULATE THAT AMOUNT?? I wrote them back and told them that while they were trying to collect this lower amount from me,the triplet companies(Toothfairy, Northern Debt and Marshall Hoares) were at the same time emailing and texting me to pay an amount double than theirs. No way of course, am I going to make arrangements for 2 amounts and with 3 different companies! I've had transactions with some payday loans and have made arrangements with them, but I'm telling you...this is the ultimate dirty bunch.. Don't get stressed out. Go to OFT and FSO.
  2. Thank you for the update. I hope they shut down Marshall Hoares and Northern Debt Recovery, and even Tooth Fairy. I myself was a victim of these 3 companies an was in the process of filing a complaint with the with FSO. I have also liaised with OFT regarding them, and yes, they are collating evidence. I received emails, phone messages from all 3 of them. Lately I've been receiving 2 different amounts. I just do hope they all close them so they can stop preying on happless people. Thanks again and looking forward to further updates on this issue
  3. Did My Loans inform you of the £69.99 broker's fee? It would have been different if they were not able to help your son get a loan, but they did direct you to Wonga(OMG, the broker's fee is higher than the actual loan itself!). My Loan is a broker, not a lender so the loan issued to your son would have been dependent on the the payday loan itself. The brokers don't care how much money has been issued to you. They don't even care whether you got a loan or not. What's important to them is just to get their broker's fee from your account. Tell your son next time not to avail of the services or liaise with any company(brokers especially) promising to lend you money, or any payday company for that matter.
  4. File a complaint with the FSO they will help you get your money back(if you did apply with them, you will eventually get your money back less £5.00). If you never applied with them, then you have a concrete case and can get all the money back. I stupidly applied with this company and never got a loan through them, but FSO helped me get my money back(albeit, less the £5.00) Companies such as these are never able to get money from your account, unless you give them your account number, account name, and more importantly, the CV number(that 3 digits at the back of the card). Although I wouldn't be surprised if some companies are able to get money now without any authorisation or without one giving out his card details-blame it on some of the destructive wonders of the internet.
  5. If I were you, I'd file a complaint them against them with the OFS(Office of the Financial Ombudsman). Their strategies are tantamount to harrassment. Collate all the letters, emails and if possible calls you or they have made, as these could be made as evidences or proof of what they've been doing to you. You can also report them to the OFT(Office of the Fair Trading). Something should be done about these loan sharks, really.
  6. Good day, caggers. Today I received a claim form from the Northampton Court, for Safeloans. I have checked with the www.moneyclaim.gov.uk and it is legit; however, what annoys me is that they have recently agreed to a repayment plan with a review of 3 months and in fact I have made payments for the token money and the first payment as well. Then I suddenly got this claim form. I do not know how to respond to this; however I am not going to take this sitting down, because I find it very scheming and cunning. They have not acknowledged the payment I made as part of the repayment plan. If this is going to be case... should I bother making monthly payments then? I made a payment so by now the amount being claimed is now different. Can anyone advise me on this? I have not made any move to respond to the claim because I need advice first. Any advice will be greatly appreciated. Thanks.
  7. Yes, that's good, keep copies of all correspondences, whether it be email, post or even text messages, and recorded calls. I have started submitting copies to OFT. It's a bit tedious, but I'd rather do it just to put them in their own place. Also, I don't want them to keep victimizing and taking advantage of more people in the future.
  8. I myself am in the process of filing a complaint with them at the FSO. I have already complained to them to the OFT, and OFT is currently getting more evidence and witnesses against these companies. OFT needs lots of witnesses and evidences to pin them down. You're doing the right thing in filing a complaint with OFT. File a complaint with FSO as well.
  9. Good day. I am in the process of filing a complaint against ToothFairy, Northern Debt Recovery and Marshall Hoares and Bailiffs.Not only with FSO, but with OFT and the Trading Standards. It's not so much as avoiding paying exhorbitant amounts, it's not trying to avoid the responsibilities in making payments; it's about fighting for principles and ensuring that they will not prey again on people like you and me.Oh and yes, it is right not to ignore them; it is best to report them and make them pay for all their nefarious and unethical tactics.
  10. Hi, I've found this link which basically says all there is to know about MCO and Tooth Fairy and their associations/non-associations with each other. http://saynotopaydayloans.co.uk/blog/controversial-payday-lender-links-exposed/
  11. Also got a text message from Red Castle today which says : This is an important message for Mis XXXX. Please call RedCastle today on 08448940615 quoting ref xxxxx. Do they really think I'm so stupid that I would call them just like that? And spend my hard-earned money on useless phone calls? What an unethical and unprofessional company!
  12. I am quite confused. What is really ToothFairy Finance's company? Web Processing Limited or CIM Technologies? Isn't it illegal to be using different company names? Also....I filed a complaint and then they replied sending Speed credit's Terms and conditions as attachments. And my loan was with Tooth Fairy's! Isn't that illegal as well?
  13. Just call the FSO and explain your case. But don't be hopeful that you'll be able to get your money completely; it will most likely be deducted £5.00(better than not getting anything back, right?). Companies like these keep preying on hapless people(like you, me and the rest). We all just have to be wary next time. Just write them a letter first asking for a refund(make it recorded delivery), give them a deadline, and if they don't respond, call FSO. Good luck.
  14. They will not be able to get from your account unless you or anyone gave them your bank details(and that includes the 3 digits at the back of your card). Send them a letter first and if they do not respond within 10 days, call the Financial Services Ombudsman and report your case. They will write to EFS and EFS will send you some paperwork you have to fill out(some sort of refund/cancellation form). Fill this up, send it back to them, make sure it's recorded delivery. If within 8 weeks of reporting them to FSO they have not returned your money or you have not heard from them, file a complaint form with FSO(FSO will be sending this complaint form to you via post). May take some time, but you will definitely get your money back(less the £5.00). Have done this to 2 other brokers who tricked me, and FSO helped me get my money back.They are a big help, really.
  15. Got a similar letter from Safeloans as well(are they making this a hobby-sending letters with practically the same format??) What if nobody wants to negotiate with them in the end?? (name of debtor) address of debtor Letter Date Your account reference number: Please quote your account reference number in all communications Re: Safeloans Ltd v (name of debtor) Court Case Number: xxxx Balance owing on your account as of today's date:17/05/2012: £600.50 REQUEST FOR JUDGMENT IMMINENT- FINAL SETTLEMENT OFFER Dear Ms. X This is our final formal notice informing you we are at the legal stage "Request Judgment" where the issuing of your (CCJ) judgment is imminent we will inform the court that you have not paid the debt owing and we will ask the court to "Request Judgment," you will then be registered with a "CCJ." A judgment will have a very negative impact on your credit rating and will make it near impossible for you to gain any form of regular credit or finance for a whole 6 years from when registered. IMPORTANT PLEASE READ- As you are aware we have tried to negotiate with you throughout the arrears status on your account. The Courts directive is to try and "mediate settlement". Even at this late stage we offering you 2 discounted option's to settle our claim. 1/ A substantial 30% discount off the balance owing, your new discounted balance is £420.35, to take up this offer the account must be repaid in one payment and by 31/05/2012. For this offer the payment must be made by a valid Debit Card and we will set up an automated collection for the date agreed with you.This action will settle your account and stop proceedings. Please note you must contact us no later than 27/05/2012 with your proposal 2/ A 15% discount off the balance owing, your new discounted balance is £510.43, this payment arrangement is set over two months. The first payment must be made on / before 31/05/2012. This action will settle your account and stop proceedings. For this offer the payment must be made by a valid Debit Card and we will set up a payment plan on our system for automated future payments on the date agreed with you. Please note you must contact us no later than 27/05/2012 with your proposal If you have any queries please do not hesitate to contact the litigation team who will be able to assist you on 020 82534132 / 020 82534133 or 020 82534140. You may also send a letter or email your queries to: [email protected] If your first re-payment date is more than 7 days away you will need to make a “Token” (Goodwill Payment). Because of the seriousness of the account status a minimum token payment £20.00 must be paid to allow us to enter in to payment arrangement with you. Regards Safeloans Ltd 1st & 2nd Floor 30 Church Street Croydon CR0 1RB I have made a payment of less than £20.00 before; why would they still be needing a token payment in the first place?? It's like some sort of subtle extortion. Any advice on how to deal with the above? It's beginning to sound like some marketplace transaction, where a lot of haggling takes place. Besides, I do not want to give out my debit card details and that is one of their conditions. I do not trust the phrase "automated future payments" because that phrase has been very much abused and misused( based on my experience). Any advice would be appreciated. PS. Prior to this letter, there was a four month payment agreement which did not push through.
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