Just to tell you guys, I already have sent a letter to the OFT almost 2 months ago regarding unlawful acts by TFF/NDR/MHB, and the letter states: DEAR SIR/MADAM CONSUMER CREDIT ACT 1974 (the Act) COMPLAINT AGAINST: TOOTHFAIRY FINANCE LIMITED NORTHERN DEBT RECOVERY LIMITED MARSHALL HOARES BAILIFFS LIMITED LICENCE NO: 637426, 631166,631168 Thank you for your letter received on 23 September 2011. I would like to take this opportunity to apologise for the delay in responding. If you require further advice, please contact Consumer Direct on (08454 04 05 06). Consumer Direct is an advisory service managed by the OFT which offers practical advice on all consumer issues. Unfortunately, because of restrictions imposed upon us by Part 9 of the Enterprise Act 2002, we are unable to give information about any action that may be taken in response to your complaint. The OFT has no authority to become involved in disputes between consumers and traders and so we cannot offer you any direct help with your complaint or advise you directly in this matter. Thank you again for writing to us and bringing this matter to our attention Yours sincerely, Kaiser Chaudhary Enquiries and Reporting Centre Office of Fair Trading. Any comments, suggestions regarding this letter from the OFT please let me know guys... I am desperate to find answers. Thank you.

Any updates, advice, please let me know guys... Thank you! regards, Elen

Good day everyone. I am new to this forum. As soon as I got the email from NDR yesterday, I search this forum. They have sent me the same FRAUD ACCUSATIONS yesterday and threatening to report it to the police, bla bla... The loan is passed from TFF to NDR then to Marshall Hoares Bailiffs. MHB says on their email to me 3 days ago that they already have the legal right with the account and everything should be directed to them. And then I received this odd email from NDR yesterday of FRAUD. IF the account had been passed to MHB, why does NDR send me emails still? Do you think it's a little bit odd and funny and suspicious? I have the same situation as you, Gabi18 if you can read this. I just need to know if you have any other updates about the FRAUD THING????

Hello. I am new to this forum. I have took out a loan from these guys in March 2011 and they are threatening for bailiffs, home visit, CCJS etc... and 3 days ago they sent me an email saying this: Message Body Dear Miss xxx Loan ref: yyyy We have reason to believe that you have supplied our client - ToothFairy Finance Ltd-ToothFairy Pay Day Loan - with potentially FRAUDULENT information inorder to obtain credit. THIS IS A SERIOUS MATTER which must be dealt with IMMEDIATELY to avoid further action. Call 0843 381 0843 IMMEDIATELY failure to do so may lead to this matter being passed to the Police According to records you applied for and took a loan with ToothFairy Finance Ltd-ToothFairy Pay Day Loan on 31.03.11 08:32 for GBP 400.00. Systems generate a detailed electronic trail of proof at EACH stage of the transaction including the unique address of the computer used, mobile phone offered and cross referencing of ALL personal details provided across multiple sources The bank has confirmed that the funds were sent to the account nu mber 90089702 with sort code 209861 and that this account belongs to you. If we do not hear from you by end of tomorrow we will be passing this file to the Anti Fraud Department who will then perform further traces and check exactly where the loan application came from using IP tracking technology. If this proves to be an attempt to defraud us then you will be charged for the extra investigation and the file handed to the Police to pursue as a criminal matter. We would much rather avoid involving further third parties as it will become much more serious and expensive for you, and time consuming for us. CALL NOW TO AVOID FURTHER ACTION Yours sincerely, DEBT MANAGER - Greg Campbell NORTHERN DEBT RECOVERY 0843 381 0843 NOTICE: The contents of this e-mail are intended for the named addressee only. It contains information which may be confidential and which may also be privileged. Unle ss you are the named addressee (or authorised to receive for the addressee) you may not copy or use it, or disclose it to anyone else. If you received it in error please notify sender immediately and then destroy it. I have read some of the forums regarding these guys and many said they are not even legal. They accuse me of being a FRAUD just because I refuse to pay Mad charges on the loan. I only took £400 in march and now its a whopping £1586! I am on DMP at the moment. What do you think I should do?