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Sophia1205

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  1. Hi all Received this email from the OFT today, has anyone else had one?? Dear ********** Our records show you submitted a complaint to the Office of Fair Trading on 5 May 2012 in relation to Toothfairy Finance. There are some serious issues in your complaint we would like further information on in the form of a witness statement. Complaints such as yours are vital in helping us to evidence business practices that might cast doubt upon the trader's fitness to hold a consumer credit license. I have attached an information sheet on providing a witness statement to the OFT. The process usually involves one phone call from us to you of approximately half an hour to 1 hour where you talk us through your experience with the trader. We would then write this statement up and send you a copy to sign. If you provide a witness statement which is relied on by the OFT in any subsequent enforcement action, the details of this statement would be disclosed to the trader and their associates. If the case were to go to the Tribunal, you may be called to stand for cross examination on the contents of your statement. If you would be happy to provide a witness statement please contact me on 020 7211 8635 or via email to arrange a time suitable for us to call to take this statement. Kind Regards Alexandra Alexandra Ivett | Debt Collection Team | Corporate Services | Office of Fair Trading Fleetbank House | 2-6 Salisbury Square | London EC4Y 8JX | T: 0 20 7211 8635 |
  2. Hi guys Have been following advice and complaint made to OFT. Also had some advice from CCCS who are willing to help me if I send back the paperwork - still trying to sort them out myself though. Anyhoo, just got this from Marshall Hoares: PRE-VISIT Notice Client: Speed Credit - Speed Credit Pay Day Loan* Client Ref: ****** Amount: 639 Date: 07/05/2012 You have failed to make suitable repayment arrangements concerning the above arrears which remain outstanding. Our recovery Agents will now visit your premises to arrange payment . This will involve a person visiting you to demand payment. Should the payment not be forthcoming, further visits will take place until we have payment in full. All visits may be chargeable. You must make the IMMEDIATE FULL PAYMENT of all outstanding amounts (as shown above) to prevent this action from commencing or contact us to arrange a suitable repayment plan. YOU HAVE 3 days FROM THE DATE STATED IN THIS NOTICE TO MAKE PAYMENT NOTE: THIS IS YOUR FINAL CHANCE TO AVOID COURT ACTION. NO FURTHER WARNING WILL BE GIVEN A fully prepared case will be sent to your local County Court for Judgment against you as well as agents instructed to your door. After a successful judgement we would seek a Warrant of Execution to seize goods and / or obtain an attachment of your earnings to have this debt deducted directly from your salary, this would require us to liase with your employer. WE ADVISE YOU TO CONTACT US IMMEDIATELY on 08433811111 Yours Faithfully Door Collections Marshall Hoares Bailiffs Telephone: 0843 381 1111 Should I still not be worried by this? (I am rather) Can anyone help me write an email to them? Can't help feeling like I should defend myself somehow - I don't want them saying "she never replied to our emails" to a court?? Advice please!!!
  3. Yes I saw that and thought she portrayed the anguish, worry and desperation these companies cause, very well. I hope by bringing the terrible issues with these PDL companies to prime-time TV will help in getting these loan sharks shut down.
  4. Hi all An update: as predicted I am now receiveing texts and this email from Marshall Hoares: Dear ****** Client ref: ******* We are fully compliant with all necessary laws, legislation and the Office of Fair Trade (OFT) Guidelines. Our company registration number is 06871092 and our Consumer Credit License Number is 631168 details of which can be verified on the Office of Fair Trade website. According to our records you took out a 14 – 28 day SHORT TERM loan on 21.02.12 for £100. You currently owe £605. You agreed to repay your short term loan within 14 days. Payday loans can become expensive if you do not keep to the terms and conditions that you agreed to when you take out your loan. Please note that as you borrowed £100, you are being charged £24 every 14 days. This is CLEARLY STATED in the terms and conditions YOU agreed to. YOU agreed to the terms and conditions with your double digital signature by way of entering your email address in twice then clicking \'I accept and agree to the terms and conditions\'. The terms and conditions that you agreed to are legally binding under The Consumer Credit Act 1974. Please remember that your original loan was for 14- 28 days ONLY. You will be incurring additional interest charges on the 01.05.12 making your total outstanding £629. If you would like to pay in monthly installments please call 0843 381 1111 and one of our agents would be happy help you. Failure to make a payment will lead to ground recovery agents being dispatched to all addresses on file and if no agreement can be reached, proceedings will commence against you in your local county court. Yours Faithfully Rebecca Franks Door Collections Marshall Hoares Bailiffs Telephone: 0843 381 1111 (129) My move I guess, do I respond? Thankyou xxx
  5. Just about to switch off pc and this pings up on my email: Debt Management You have confirmed that you have instructed a debt management company / advisory body to act on your behalf. IMPORTANT NOTICE: As per the Office of Fair Trading Guidelines on debt management: 1. We are not obliged to accept reduced repayments or to freeze interest as suggested by your debt management advisor. 2. Repaying the same debt over a longer period of time will lead to an increase in the total amount you have to pay. 3. We are obliged to deal with such third parties only to the extent that they propose a reasonable offer. In the event that this is not forthcoming or that they do not respond to us within a reasonable timeframe we are entitled to, and will return, to corresponding with you directly. 4. Todate we have not received any acceptable offers. 5 . Full interest and costs will continue to accumulate during the time they negotiate with us. - Any cheques received from third party companies will be cashed and credited against your account but are NOT deemed acceptance of any repayment plan that we have not confirmed as suitable. If you CALL US DIRECTLY to arrange settlement we may be able to REDUCE some of the fees charged. This will speed the process and reduce the extra interest that is continuing to be added to your debt whilst we deal with your debt management advisor. This is the quickest and cheapest way to resolve your debt. You can contact us TODAY on 0843 381 0843 quoting reference ****** to confirm: a) the very most you can pay; and b) when this will be. This is the most efficient way of ensuring your debt does not increase and is settled. Please note: - that any offer you make will need to clear the balance within 6 weeks. - if the offer is s ensible, we may agree to freeze interest and charges at GBP 571 if you cooperate and stick to the repayments agreed. We look forward to hearing from you so we can help you achieve a speedy and cost effective resolution to this matter. Payment Plans It is always advisable to stay in contact with your creditors to avoid additional penalty charges. Loans are meant to be repaid in full at the end of the initial loan term. This is made very clear in the terms and conditions you agreed to when you took out the loan. We cannot accept a payment plan. Please confirm when you will be making FULL PAYMENT to close your file. Please note payment of GBP 571 needs to be made by 17.04.12 to stop this file being passed to third party Recovery Agents and further fees being added. however...... you can rollover / extend your loan by just paying the interest on day 28 of your loan. Y ou will receive an email explaining this when you are eligible Yours sincerely, COLLECTIONS NORTHERN DEBT RECOVERY 0843 381 0843 I haven't 'confirmed I've instructed a debt management company / advisory body to act on my behalf' at all! Just making it up as they go along now Ho-hum, not going to let them stress me anymore.
  6. Well I've had a text everyday from them saying "in 4 days Bailiffs will contact you etc etc" then "in 3 days bailiffs will contact you etc" and so on... I can't believe they can attempt to be so menacing! I have saved them all and will be letting OFT know. Good news: Swift Sterling have agreed to my payment plan - out of the blue email after being silent for ages, odd. Renegadeimp: Should I write to the Toothfairy bullies, if so what shall I say? (I know what I'd like to say )
  7. Thankyou Renegadeimp, yes please to a letter - I'm so bloomin cross with them but not very good at letter writing I'm so grateful for the support I've received thusfar - its made me feel able to take the blighters on... and smile for the first time in ages, thankyou xxx
  8. Thankyou guys. I got this text message today at 11.19am: YOUR FILE IS WITH BAILIFFS. DOOR VISITS AND COURT ACTION IS IMMINENT. WE HAVE NOT OTHER OPTION AS YOU WILL NOT SPEAK TO US CALL ***** Total rubbish as they will not communicate with me! Then at 12.02: YOU COMMITTED TO A REPAYMENT PLAN TO SETTLE YOUR TOOTHFAIRY LOAN. A PAYMENT OF £96 IS DUE TOMORROW. FAILURE TO HONOUR THIS WILL LEAD TO EXTRA FEES. ?? Eh? I haven't 'committed' to anything! No replies from them whatsoever! Until... tonight I receive the following: Thank you for your message. You currently owe £571. We are more than willing to come to a monthly repayment plan with you that will aid you in paying off your loan. You will be incurring additional interest charges on the 17.04.12 making your total outstanding £595. Your offer to pay £25 per month has been rejected. However any payments made will be added to your file but WILL NOT be known as a payment plan nor will we freeze any interest. If you are unable to pay in a one off payment, the minimum we can accept is £100 per month starting from this month, we are prepared to FREEZE all interest and charges. Please confirm that this is accepted by you, the dates that you will be making payment on and whether you wish for us to set this up to take payment automatically? If you have any questions please don\'t hesitate to call us on 0843 381 0843 Yours sincerely, COLLECTIONS (147) NORTHERN DEBT RECOVERY From a £100 loan. I agree these people are barmy! And don't seem to know what the left arm is doing from the right! I'm keeping everything they send to add to my complaint to the OFT and FoS Thanks for taking the time to reply, it keeps me sane! xxxxxx
  9. *deep breath* o.k I understand and will chill out. I know what you mean - I can see how there ghastly tactics would work - but I have no spare money whatsoever to pay them off so they can stamp their feet as much as they like, I'll still have zip in the bank! There's a reason I have benefit help with rent!! Thankyou renegadeimp and sillygirl - your advice is helping more then you can know - I hope I can come out of this the other end and offer advice to others xxxxx
  10. Can I just ask, what happens if they do take me to court? Do I have to actually attend a court? I feel sick
  11. I guess thats what NDR have as as soon as I emailed asking for a repayment plan via their own website the following pinged back within 5 seconds, no way anyone could have read what I wrote: Dear ***** Thank you for emailing us. Payment Plans It is always advisable to stay in contact with your creditors to avoid additional penalty charges. Loans are meant to be repaid in full at the end of the initial loan term. This is made very clear in the terms and conditions you agreed to when you took out the loan. We cannot accept a payment plan. Please confirm when you will be making FULL PAYMENT to close your file. Please note payment of GBP 571 needs to be made by 17.04.12 to stop this file being passed to third party Recovery Agents and further fees being added. however...... you can rollover / extend your loan by just paying the interest on day 28 of your loan. You will receive an email explaining this when you are eligible Yours sincerely, COLLEC TIONS NORTHERN DEBT RECOVERY 0843 381 0843
  12. Thankyou sillygirl - I can't believe the orginal amount of £100 has escalated to over £500!! Is it worth emailing Speedcredit again (even though they just ignore me anyway) Thanks again xxxx
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