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    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
    • To which official body does one make a formal complaint about a LPA fixed charge receiver? Does one make a complaint first to the company employing the appointed individuals?    Or can one complain immediately to an official body, such as nara?    I've tried researching but there doesn't seem a very clear route on how to legally hold them to account for wrongful behaviour.  It seems frustratingly complicated because they are considered to be officers of the court and held in high esteem - and the borrower is deemed liable for their actions.  Yet what does the borrower do when disclosure shows clear evidence of wrong-doing? Does anyone have any pointers please?
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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How to Deal with Toothfairy finance?


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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

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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 :)

 

We could do with some help from you.

 

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Receptaculum Ignis

 

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  • 1 month later...

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.

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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.*

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 2 weeks later...

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!

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TFVCzP.jpg

 

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) :jaw::-D

 

We could do with some help from you.

 

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Receptaculum Ignis

 

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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...

 

We could do with some help from you.

 

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try this :)

 

1a, Sheffield Road,

Southborough,

Tumbridge Wells,

Kent,

TN4 0PD

 

Moonpod |

15 Lyndhurst Terrace |

Hampstead |

London

NW3 5QA

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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  • 2 years later...

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

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  • 2 years later...

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

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as a dca they are totally toothless

they are not bailiffs

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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three threads merged to the toothfairy forum.

 

 

as this has been going on since 2011

safe to ignore

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...

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?

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Post 17

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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! :p

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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