Have been ignoring my 6 Payday loans and 4 other debts for several months now, the other companies don't appear to have put disproportionate amount of interest on to the debt but my Toothfairy loan has gone from the original amount of £300 up to £1438 since I took the loan out in late July and I get this email from them every 5 days:

We are writing to give you formal notice that ToothFairy Finance Ltd - ToothFairy Pay Day Loan 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.

YOU WILL HAVE OR WILL SHORTLY RECEIVE A HOME VISIT

We intend to pursue you fully for all outstanding sums (GBP 1438) including any fees we incur collec ting this debt. Payment in full must be received no later than 17:00 to avoid further door collection fees being added to your file. DO NOT IGNORE OR THIS WILL COST YOU MORE

Debt GBP 1408

Missed Payment Fee 1 (day 29) GBP 10

Missed Payment Fee 2 (day 43) GBP 10

Missed Payment Fee 3 (day 57) GBP 10

Repayments todate GBP 0

Total GBP 1438

TAKE NOTICE: You should accept this letter as formal notification that unless payment is received within 4 days then your account will be fast-tracked and 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 app lied for to enable us to seize goods at your addresses and or an attachment of your earnings.

3. Register of Judgements any 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 for you to get credit.

4. Credit reference ToothFairy Finance Ltd 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”.

To AVOID A HOME VISIT or further action you should PAY IMMEDIATELY

1. online using a card by visiting:

www.marshallhoares.com

OR

2. at bank either over the counter at the bank or by electronic transfer to:

Barclays Ba nk

Account Number: 93462382

Sort Code: 20-50-94

This debt will not go away and should not be ignored

You can contact us on 08433811111 to discuss your outstandig debt.

Yours Faithfully

Anti - Fraud

Marshall Hoares Bailiffs

Telephone: 0843 381 1111

The content of this email should not be considered as an acceptance of any offer unless we previously review and expressly approve in writing your terms and conditions relating to the subject matter of this email.

The information in this email is private and confidential. If you are not the intended recipient(s) or have otherwise received this email in error, please delete the email and inform the sender as soon as possible. This email may not be disclosed, used or copied by anyone other than the intended recipient(s). Any opinions, statem ents or comments contained in this email are not necessarily those of Marshall Hoares Bailiffs Limited. If you wish clarification of any matter, please request confirmation in writing.

Marshall Hoares Bailiffs Limited.

Registered Company No.: 6871092

Consumer Credit License: 631168

We take precautions to minimise the risk of this email containing a software virus but you should use virus checking software.

How should I even begin to deal with this lot as from looking in this section of the forum they don't look very easy to deal with

Same thing with me for MHB... they are inhouse DC,

I would ignore them... they wont take you to court, they pounce on innocent people who dont stand up for themselves and dont know the law... I had a case with them in which they had to wipe the whole loan clean and i only paid Capital and 1 months interest

If you don't mind me asking Fkofilee, how did this come about? As my OH is having problems with these and it's quite worrying as we live with my parents and I don't want them to get caught up in this? Thanks

i took a payday loan out with them for £200 in june 2011 paid them £226 i owed £5 which i then thought nothing else about it until i stared getting emails in november saying you have failed to pay back your loan then i read down the email it said you have occured interest and charges the total you now owe is £1925.17. for owing £5 its jumped up £1920.17 that is a complete joke. since then i entered a debt relief order in november 2011 for my other debts which this 1 was included up till today it has now jumped up to £2625.17 and they want me to send a copy of my debt relief order which i have done 4 times by post and via the toothfairy finance website aperaently they cant red my document i have sent it in every file format possible. this company is the bigest joke you will ever see and a pack of cowboys. i have taken it to the fsa, trading standards and my friend who is solicitor who is now pursuing them for harrasment. if they call dont answer they cant do nothing to you as they wont appear on your credit report.

i took a payday loan out with them for £200 in june 2011 paid them £226 i owed £5 which i then thought nothing else about it until i stared getting emails in november saying you have failed to pay back your loan then i read down the email it said you have occured interest and charges the total you now owe is £1925.17. for owing £5 its jumped up £1920.17 that is a complete joke. since then i entered a debt relief order in november 2011 for my other debts which this 1 was included up till today it has now jumped up to £2625.17 and they want me to send a copy of my debt relief order which i have done 4 times by post and via the toothfairy finance website aperaently they cant red my document i have sent it in every file format possible. this company is the bigest joke you will ever see and a pack of cowboys. i have taken it to the fsa, trading standards and my friend who is solicitor who is now pursuing them for harrasment. if they call dont answer they cant do nothing to you as they wont appear on your credit report.

* Please be aware that just because a debt is not on the individuals credit files, does not

mean action to collect the debt is not possible.

After 6 years with no written payment or acknowledgment the debt becomes statute barred but still exists, and unless the debtor informs the creditor that the debt IS statute barred and therefore they will

not be paying action to collect the debt short of enforecement can still take place.*

I took out a loan with them for £300 last November and now they're trying to collect £1,014.00 from me! Of all the creditors I've dealt with, they are the most abusive, unethical, unprofessional bunch of B------s. They've sent me emails and letters without even the breakdown of their charges, and have been threatening and rude in their tone. I will be reporting them to the OFT and FSO. If I were you I should do the same. This company should be put out of business for preying on poor and hapless people like us!

Look at the man who owns them ^__^ ... Yes... they are how they are... complain to them.... let the send a letter of deadlock and then when that happens... OFT TIME ^__^

Ive ignored them as im still getting emails for something i thought was settled.... total amount is currently £1700...

TFF wont take you to court because there "legal buffs" dont have a valid explanation for continuing to charge interest....

It is actually against FSA & OFT guidelines to continue to charge interest on a debt that doesnt reflect true costs of DCA (Debt Collection Action) in which said interest is not a true reflection of collecting the debt... Ask them over the phone and via letter if this is the case (hehe)

Can anybody tell me what address is best to send a recorded delivery letter to toothfairy. I don't want to send anything to the PO box that they've advertise. Thanks.

hmmmm.... not sure the PO box is a good idea mind.... or hunt around the forums...

Out of interest.... I wonder just how sound these companies are.... my friend just applied for another wonga loan.... using the same detail he used a year ago for it... He showed me his overdue account and he owes 600£

He has just been accepted for another one and they have paid out.... ?!?!?!

Would it surprise me toothfairy might do this? I doubt they would surprise me but i think they would do it...

I think the PO box is a no no

try this

1a, Sheffield Road,

Southborough,

Tumbridge Wells,

Kent,

TN4 0PD

Moonpod |

15 Lyndhurst Terrace |

Hampstead |

London

NW3 5QA

I had loads of payday loans and paid them off, I did not pay off Toothfairy finance as they were trying to charge me extortionate amounts and were aggresive when I tried to deal with them.

I have ignored them but have noticed recently that I have been getting emails from DHR Capital, They have sent me the following today and I am not really sure what to do with it, any suggestions would be appreciated;

Notice of Assignment

Broxton Old Hall,

Chester

Cheshire

CH3 9HS

Date: 19-Dec-2014

Dear Customer,

Loan ID:

DHR Capital Limited is writing to notify you that it has appointed Capital Resolve Limited, a Debt Collection Company (Interim Permission Number 376968) at the below address to collect the amount outstanding on your ToothFairyFinance Ltd loan.

If you wish to get into contact to discuss your loan, please call Capital Resolve Limited on 01386 425400 or email them on . Please note that there will be a ch ange to the payment methods. You are further notified to direct all payments to the undersigned:

Capital Resolve Limited

Fountain Court Vale Park

Evesham

Worcestershire

WR111LS

Barclays Bank PLC

Bank Account Number: 00604178

Sort Code: 20-98-61

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

Yours faithfully

-------------------------------

Justin Bannerman-Lloyd

Director

DHR Capital Limited

I've had exactly the same but I'm just ignoring it as its the first I've heard from them for over a year!

Please look through the TFF forum. These guys are pretty much another part of the puzzle...

Haven't heard from them for 2 years then they appear again,

Anyone else had this?

Any thoughts on advance collections as there doesn't seem to much on them here?

My original debt was about £200 and its from 2009 or 2010...

Re: £Stg800.00 outstanding to our client DHR Capital Limited remaining from your loan with Tooth Fairy Finance.

 

We have not received a reply to our previous notice concerning the above outstanding matter.

 

This matter must be concluded and you are required to contact our offices immediately to either arrange settlement or advise of any other reason which is preventing you from making payment.

 

Please call 01707 252 909 or use live chat to arrange payment or discuss this matter with an account manager. Alternative payment methods and other information are listed below.

 

If you would prefer to deal in writing only

please email your offer or enquiry to collection@advancedcollectioncouk

 

Our company operates a 'Treating Customers Fairly' policy and our trained account handlers will ensure any proposals or enquires are resolved in a reasonable and fair manner.

 

Failure to respond to the notice may result in further action being commenced to recover the amount claimed. We trust further action will not be required and we look forward to hearing from by return.

 

Yours sincerely

 

Alan Peters

Collection Department

 

Ways to Pay

 

By Phone - call us on 01707 252 900 to make a payment using your debit card. If someone is paying on your behalf, or you are using their card, please ensure that they are available to authorise the payment.

 

By the Internet - visit advancedcollectioncouk/payonline You will need your account reference number

 

By Online Banking - you can use your online banking service to make a payment to:Sort Code 20-92-54 | Account No 10060291. Please quote your ACS reference to ensure your payment is allocated correctly.

 

At Your Bank - pay over the counter at any branch of your bank, building society or Post Office, quoting your reference and account details as above.

 

By Cheque - made payable to ACS Limited and sent to our offices at:Steele House, 126 Great North Road, Hatfield, Herts, AL9 5JN.Please ensure your ACS reference is written clearly on the back of the cheque.

 

By Pingit - you can use Barclays free Pingit service to make a secure payment fromyour mobile, even if you don't bank with Barclays. Just launch the Pingit app onyour mobile phone and use the short code PINGITQZQ910.

If you don't have the app you can download it by texting Pingit to 62555.

 

In Financial Difficulties?

 

If you are having difficulty paying, please contact us as soon as possible. Ignoring your situation won't make it go away and we may be able to help.

 

There are also lots of organisations* that can offer independent advice about debt. Here are a few:

 

Business Debtline | bdl | Freephone 0800 197 6026**

 

Step Change |stepchange | Freephone 0800 138 1111**

 

adviceguide

 

Advanced Collection Systems Ltd, Steele House, 126 Great North Road, Hatfield, Herts, AL95JN

Tel: +44 (0) 1707 252900 Fax: +44 (0) 1707 252901 Email: admin@advancedcollectioncouk

Authorised & regulated by the Financial Conduct Authority under licence number 664331

Registered in England & Wales at: Steele House, 126 Gt North Road, Hatfield, AL95JN. Co No: 4096010

as a dca they are totally toothless

they are not bailiffs

dx

Ignore them!

three threads merged to the toothfairy forum.

as this has been going on since 2011

safe to ignore

dx

Received the same email as Jack and then received a phone call asking for payment. I stated that I previously made payment but couldn't find it in my emails as the loan is over 5 years old and haven't had any contact for 4 years. I have also changed banks since then and my old bank Nat West said they have no transactions for me on their system. What action if any do I need to take?

Post 17

Post 17

Should have read the posts first, just thought I would post after watching the BBC documentary.

Should have read the posts first, just thought I would post after watching the BBC documentary.

Understandable...

All i would say with tFF debts, they have been going round the houses for years... Somebody would have done something with them now dontyathink?

Plus TFF doesnt exist anymore... Any chance of paperwork etc... Nonexistant!