I have told him to ignore it, and he is, and I've also told him that if they phone him he must refuse to communicate with them over the phone and to insist all communication is in writing/email as he has been advised by the CAB and OFT to keep a paper trail. But, you simply cannot contact them!! On their website they have a page where you can, supposedly, submit a question, but when you do it comes up with SQL syntax error, funnily enough the same error on the NDR website when trying to contact them too! So, you can't email them, write to them, submit questions via their website and when you phone them they don't answer!!!!!!

My son has received an email from Marshall Hoares this morning:- Mr [address1] BY EMAIL Online payment ID: 9896132 Outstanding amount: 2832 Call Request Client: Speed Credit – Speed Credit Loan*** Client Ref: Our Ref: 9896132 Date: [date] Dear Mr I am afraid we are unable to deal with your query by email / mail Please call one of our operators on 08433811111 who will be happy to discuss the circumstances around this with you. Yours faithfully Ray Sanders Door Collections Marshall Hoares Bailiffs Telephone: 0843 381 1111 I have told him to ignore it and not phone them, but is it actually legal to insist someone contacts them by phone and not via email/mail? Besides, the telephone number they've posted is the same one on the NDR emails, and when he did try it last week it just goes straight onto hold music and no-one answers!!!!

I will also make a full complaint to the OFT via email, and hopefully something will be done to stop these people/person from scaring the hell out of innocent people. How they sleep at night, I don't know.

They did ask him at one point for my telephone number, but he refused to give it to them, and I didn't pay them from my bank account (I bank with Lloyds and they bank with Barclays, so I went into our Barclays branch and paid into their account with cash) as I read somewhere on another forum that someone had paid the debt for their friend using their card and then found money was disappearing from their account!!!!!! Wrong wrong wrong, and yes, that was reported to the OFT. My son has contacted the OFT to make a complaint and has told them that he has repaid the original loan plus a month's interest. Okay, Payday loans can get you into trouble quite quickly if they're not repaid within a specified time, but these people are nothing but predators and use bully boy tactics to cause distress to people who are already vulnerable. It's about time they were shut down!

My son ran into difficulties with these people. Last week I paid off his original loan of £400 plus a month's interest of £144 directly into their bank account (I refused to use the payment page on the Northern Debt Recovery website because it's not secure). At that point, his loan had gone up to £1400 but following much research on this company (they are all one and the same - ToothFairy, NDR and Marshall Hoare) decided only the original loan and month's interest would be repaid. Since I made the payment, my son has been receiving several daily texts from them, which he's ignoring. He got a call yesterday from someone at NDR and he told them he would not be paying the rest and said 'if you want it, take me to Court for it and then you can explain your ridiculous charges to a Judge'. The man said 'well, I must inform you right away that your debt is now £2380, which we require immediate payment of otherwise we will ask for an attachment of earnings from your employer and will obtain a CCJ from the Courts'. My son said to him 'bring it on mate, you do what you think you need to. Have a nice day'. I know that he's feeling quite scared, but I've reassured him that as yet I don't think they have actually taken anyone to Court, that the OFT are involved and that they cannot contact his employers without his permission or a Court Order. These people are sharks, lower than low and I think for everyone out there dealing with these cretins the message is not to be scared as they are acting outside the boundaries of the law. My best advice would be to try and pay back the original loan amount, plus a month's interest based on their calculations (£9pw for every £100 owed) and just ignore them. It's nigh on impossible to contact them (funny that!), and it seems they only allow phone contact but that's hit and miss. Deep breaths!!

Hi there, I paid the loan off today, plus a month's interest, directly into their bank account (they bank with Barclays) in our local Barclays branch. I used their online form to try and inform them as to what I had done, but it doesn't send and just reports something about an 'SQL synax', whatever that means. These people seem to be uncontactable unless you phone them, which I'm not prepared to do as I don't particularly want to talk to them! So, I guess my son will just have to inform them, when they contact him again, which they will, that this amount has been paid. Okay, not the amount they wanted, but nevertheless the original loan has been repaid. He can then politely inform them to take him to Court for the rest!

Dear All, I'm looking for advice on how to contact NDR so that I can pay my son's account, which was originally with Tooth Fairy, but has been passed over to NDR. I have read all the alarming posts regarding these companies (who I believe are one and the same), and my son has received many nasty texts and emails from these cowboys, to the point of extreme stress. He originally borrowed £400, but somehow they have managed to increase this amount to £1400. He did actually pay £200 off, but his building society returned the money to his account, stating that they refused to forward funds to Tooth Fairy Finance. Anyhow, long story short, after much research we (my son and I) agreed that I would pay the original loan of £400, plus a reasonable amount of interest, calculated from their website (£9 per £100 borrowed per week) of a month, totalling £144 to add to the £400. He told them that I would be paying the account for him (but didn't say how much as I planned to let them know the amount, and the reasons for our calculation), so they emailed him with their details and a reference number. He forwarded the email to me and I accessed the NDR website to pay the £544. However, on accessing their payment page I discovered it was unsecure, no https or a padlock symbol, so I decided against entering my card details into an unsecure web page. They also said in their email that they could be phoned to pay the amount, but I have to say my trust in them was dwindling at this point and there's no way I am going to give them my card details and security number, particularly after I read on another forum that some poor person who had paid a debt for their friend, had money removed from their account by these sharks!!! So, I emailed them yesterday, on the address on their email to my son, but it's been returned saying they do not accept emails via this method and any enquiries have to be submitted via their website. I have looked at the information required, and basically I do not want to give them any of my details (such as phone numbers) as I believe that they would hound me also. So, is there an email address that anyone knows of that I could send an email to? Or, would it just be best to go into my bank this week and forward the £544 to them via bank transfer? I do want to inform them that they will not be receiving the entire amount they say my son owes, and tell them that if they want the rest they will have to take him to Court! Any advice would be greatly appreciated.