Hi everyone, I took one of these out in December last year for 400. This is the honest truth, I totally forgot about it and never paid it and they never chased me for it until a couple of weeks ago. Ever since, I've had letters, emails and calls from Toothfairy, NDR and Marshall Hoares. They don't let you email them back so I wrote to all three asking who the debt is now legally assigned to. Never had an answer. I get one letter every day from either Toothfairy, NDR or Marshall Hoares with the usual threats but they all quote different amounts owed ranging from 930 to 2060. Obviously I've kept all these just in case and also copies of all letters I sent back to them. Eventually I managed to get a fax number out of them in order to fax through my proof of benefits and at my suggestion a copy of my current income expenditure form. Tried to fax it this morning (Saturday 18th) but the fax number didn't pick up. So, I called them and asked for the fax number again, they ask, whose calling, I say, it doesn't matter whose calling just give me the fax number. They say the fax number which is the one I had and I tell them its not working, they say it is. Whose calling. I say I'm not telling you whose calling but I will say that I am recording this call for quality purposes! I'm not really!! They then say we cant help you unless you tell us whose calling, I say goodbye. Went onto their website to try and contact but all websites apart from toothfairy are down. I've already told them in writing that I will pay what I consider reasonable (the loan and one month interest) at a rate to suit my budget but the don't respond. I also say that as I have no house, no car, no assets or anything of value, then if they want to take me to court then please go ahead and I will declare bankruptcy in which case they will get zero. But now I can't contact them unless I send snail mail, should I continue or leave it a bit? Thaks for reading.