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devon1985

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  1. Having taken out a £200 loan with Toothfairy I was pleasantly surprised with the speed and ease of the loan and service until like others I found myself unable to pay it back, not because I didnt have the money but because although they state in their FAQs 'the day before the loan expires we will send you a reminder with our bank details etc' or something to that effect, i received no email. I knew that it was due, but despite emails to the company I had no bank details and was therefore racking up the late charges! Eventually they made contact with me last week, with a phone call threatening third party debt collection etc... well eventually I was relieved that I at least could speak to someone! Fortunately having read some of the posts on here I took a very firm approach with them (something I'm not normally very good at) and argued my case. At first the guy (Sebastian) was adamant it was my fault etc, he was pretty unprofessional to the point that when I said it was the first time i'd used them, he replied 'you've never used me!'.... I the asked for his name etc and asked to be put through to somebody more senior. I was promptly passed over and 'Gary' said they would waiver the late fees as there had obvioulsy been a problem with their automated computer system that sends out the text reminders.... Cowboys!! Clearly this is something they do to make more money??? In the end I argued that on the website the account details of where people should pay back their loans should be displayed. I also mentioned the negative remarks that can be found on the internet about the company and if they cared about their reputation they would do something about it! Today I was pleased to see that the website has changed and the account details are displayed under the FAQ section! I was lucky not to have to pay the full amount they were demanding and I hope that others can benefit from the changes to the website!
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