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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 replies
    • 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.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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hi i have had a loan from speedcredit a long time ago the loan was for £400 to date i have payed off £365 had a call yesterday from my banks fraud department saying that a firm called toothfairy had tried taking £439 from my account and have now put a block on my account was so stressed and worried that i told them i knew who it was does this mean that they will raid my account every time now

 

many thanks all

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What did the bank say exactly?

 

Speedcredit no longer exist and everything was passed to toothfairy ( same company, same ethics).

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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that a card transaction had tried to be taken and as it was an unusual transaction they put a block on it and my whole account think i have messed up big time telling them i knew who it was as i was really embarrassed as i phoned them using the banks phone and it was packed so everyone could hear me....i knew speedcredit had gone as i had a letter from web loans processing a while back telling me the debt had been passed to them i have been getting emails from marshall hoare for a while and the occasional one from ndr they want over £4000 for a £400 debt. i had reported them to oft before about it but that was a long time ago now.

thank you for your help

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You havent messed up. The block is temporary while they investigate. You can still go to the bank and withdraw money in person. They will just disable card payments etc while they do what they are legally obliged to do.

 

ignore webloans/toothfairy for now. They are one of the worst companies around and try and lie and cheat so you give them more money. You do NOT owe 4000. You owe the original loan plus original interest. Not any of the silly charges they try and say.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Why on earth did they try to take so much.. they are bound by any terms agreed with Speedcredit ?

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Dealing with Customer Service Departments? - read the CAG Guide first

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1: How can BCOBS protect you from your Banks unfair treatment

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4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thats how this company operates CB. It's well documented.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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If it was another PDL company demanding money: Negotiate affordable repayments on what you actually owe, set up payment plan and repay.

 

With this particular company however I would not waste too much effort on trying to negotiate anything as they are notorious for ignoring Customer communication, breaching regulations and various other things.

 

Just send them one single letter by recorded delivery (and keep a copy) that outlines how you are going to repay what you actually owe (amount borrowed plus interest for how long the loan was originally for minus any payment already made), plus make it clear to them that if they want one penny more they will have to take you to Court where you will take any and all legal action necessary to defend against their claims. (don't worry, they won't take you to Court).

 

And don't be afraid to prioritize other debts like Council Tax, Rent and so on over PDL debts, the Courts would do the exact same.

Even if its just a fiver a month or whatever, they can be happy if they get anything at all.

 

Also go to a branch of your Bank and ask for all CPAs from CIM Technology, Toothfairy, Webloans processing, MHB, NDR and any other connected company to be cancelled, get it confirmed in writing (signed by Branch Manager) that the Bank has done so.

 

If Toothfairy should then somehow manage to help themselves to money the Bank will be legally required to refund it immediately (and the Bank can then try to get their money back from Toothfairy).

 

Also please collect any and all communication you receive from this lender and forward it to the OFT, a lot of their emails and letters are "potentially" in breach of a whole bunch of regulations.

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  • 9 months later...

hi all i havent heard anything from speedcredit/ toothfairy in a long long time but woke to this email anyone else got one???

 

Dear customer,

 

Total Due: £5095

 

Your debts due with Speed Credit is now legally owned & controlled by Digital Finance Services UK ltd. This email is to officially notify you that Digital Finance Services UK is now in full ownership of Speed Credit.

 

We, Digital Finance Services UK hereby contacting you with your outstanding balance which is unpaid .Due to the overdue status of the loan it has incurred extra charges and the present the balance outstanding is £5095 .

 

We request you to visit our website http://www.digitalfinancialservices.co.uk and click on ‘PAY NOW’ section to make the payment for your loan. Alternately, you may use our bank details and pay via faster payment, CHAPS or wire transfer service. Our bank details are provided below-

A/C: 43266351

Sort Code: 406080

 

Please bear in mind that every day you are delaying will add more charges to your outstanding balance. Therefore, to avoid additional cost and come to a fast settlement of your loan we expect your response urgently.

 

Our contact details are attached below. We thank you for your business with us and look forward to a continued business relationship.

 

Kind Regards,

 

DFS collection team

Digital Finance Services UK ltd

Phone: +44 203 026 0796

Email: [email protected]

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And they just revealed way too much by chasing you for that debt.

 

Please do not reply to them, please do not pay them.

 

I can't post it in the thread here just in case Digital Financial Services has ears here, but I will send you a private message with information that I would then like you to include in a complaint to the FCA.

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They cant add any charges. I would report them to the FCA. I wouldnt be surprised if this new company was set up by the owners of speedcredit. They seem to be doing the exact same thing even down to the wording of the letters.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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thanks for the reply both...have been doing some searching on them cant seem to find anything i tried looking the license number up and got nothing..going to goolge the address see what that comes up with..have just reread the email and its dear customer not my name no ref number so if i was to pay into their bank account who would they know who its off all seems strange to me..

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At least its a house this time and not a disused Garage:lol:

 

(those who had dealings with the Toothfairy when they where still around will know what I mean)

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I've received almost identical mail just now. Anything to worry about?

 

Dear Customer,

 

Total Due: £3055

 

We are following up with our previous attempts to reach you in regards to your outstanding loan account with Digital Finance Services UK. Your loan for £3055 is still outstanding with us and appearing on your credit file.

 

We have informed you on different occasions prior to this email with clear information about your dues and

repayment options. Unfortunately, we are yet to receive any response from you.

 

Please note that your credit report will continue to have default mark unless we receive information from you about your intended debt settlement plan. We will request you to note that every day you are delaying is reducing our options to help you with your debt.

 

Therefore, please visit our website and click on ‘PAY NOW’ section to make the payment for your loan. Alternately, you may use our bank details and pay via faster payment, CHAPS or wire transfer service. Our bank details are provided below-

A/C: 43266351

Sort Code: 406080

 

As a responsible Debt collection entity we are aware of our limitations under FCA guidelines and also our rights to claim outstanding dues.

 

We will strongly suggest you to respond to this email and inform us how you wish to settle your loan account with. Alternately, legal initiatives will be introduced in our current process to recover your dues. Our contact details are provided below with this email.

 

We wait for a prompt reply

 

Kind Regards,

 

DFS collection team

Digital Finance Services UK ltd

Phone: +44 203 026 0796

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Sounds very much like a letter designed to intimidate, is full of errors/misleading information and looks to be created by the same team that did toothfairys letters.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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This company has had a write up about them in CAG before.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?367625-Speed-Credit-website-down

 

It seems that Teppo Oranne has had,or has his fingers of a lot of pies.

 

http://companycheck.co.uk/director/916206391/TEPPO-TAPANI-ORANNE/directors-secretaries#people

http://companycheck.co.uk/director/916206391

 

Regards,John.

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Damn.... I thought fin ally we would see the last of Toothfairy etc bu im guessing that isnt the case and Yes, the site itself... It certainly looks like toothfairy!!! ;/

 

"6. All money owed per this agreement is due and should be paid in full upon us giving notice if:

(a) any balance is overdue by more than 14 days;

(b) you provided us with false or fictitious information when you entered into this agreement; or

© a statutory demand is served by you or any other person, causing you to be bankrupt.

 

Additional charges may incur if we need to apply for a County Court Judgment or Warrant of Execution (from £45), engage with solicitors (from £150), Debt Recovery Agents (from £200) or any other agencies (£ tbc) to recover money owed to us."

 

Sounds like the £150 fee that used to charge passing it along a desk!

 

We could do with some help from you.

 

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Receptaculum Ignis

 

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Hi,

 

I also have received this e-mail after hearing nothing for a long time... shall I ignore? Surely this is not legit... has anyone received a default on their accounts like the e-mail suggests?

 

Please get back to me, I paid all debts off other than this one as it was dodgy and the company refused contact and wacked on fees. It's now £4500 and I am extremely anxious, hence writing this post at 23:51!

 

Thank you

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They also sent an email to an address they have no clue if its still in use, instead of a letter to a registered address.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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