No our vehicle is currently at the mechanics so wasn't on drive way and yes the vehicle is on finance. Thank you

Hi all really need some advice am so worried. We have c/tax arrears for 2015/16 which up to today we had left 596.20 the last payment we we're due to make was late by 7 days due to my partner being self employed and the way payments fell due to Christmas. Anyway we have always made payments as agreed with jbw never have we not paid(over a £1000 has already been paid to them) well today I received a not so lovely visit from two bailiffs who to say the least we're not the most pleasant of people I have ever meet. They issued us with a enforcement notice for full payment which now stands at 831.20 due to 235 in fees. I said to the bailiff could we not continue with the current payment plan of £250 a month to which he replied well how much can you pay today I said £20 as I paid you £250 less than 7 days ago and that's all I have, then the next payment of £250 would be made as normal on 18th Feb. But refused this offer. Now I don't know where we stand there is no date on the letter as to when they will be back either. I never let them into my home and never offered them in either. What worries me the most is if they turn up again when my daughter who has a disability is here lucky enough today she was at school but what about next time she would not react well to these thugs in suits turning up and behaving in the manner in which they did today. I'm really at my wits end I don't know what else to do. Any advice would be grateful. Thank you

Thank you I have just emailed this through to them and will send a copy in post. Do i need to complain to the company first before OFT will listen to me? Again thanks for your help renegadeimp

I have just received this email from marshall hoare regarding my outstanding loan with toothfairy i have sent them an offer of repayment the most i can afford submitted a income and expenditure form yet they are still refusing to accept my offer and i have now received this email below, i am happy to pay what i owe but they have added over 400 in charges and are now threatening doorstep agents and court action please help. I dont know where i stand with regards to the charges and everything eles. any help with regards to a reply to them any help whatsoever i would be really grateful of. Outstanding amount: 806 Demand for payment Client: ToothFairy Finance Ltd - ToothFairy Pay Day Loan Client Ref: Date: 22/03/2013 Despite our previous demand for payment you have failed to clear your arrears (as stated above) or make suitable repayment proposals. The amount which remains outstanding to the above named client must be paid in full within THREE days of this demand. Should you be unable to pay the amount outstanding within THREE days, you MUST contact one of our customer service operators on Tel: 08433811111 to arrange a suitable repayment plan. If you ignore this demand for payment or fail to arrange a suitable repayment plan within THR EE days, we will issue this case to one of our Door Recovery Agents to attend your premises to discuss your debt and arrange for repayment with you. NOTE: DOOR VISIT- please call to arrange a convenient time for one of our Door Recovery Agents to visit to discuss repayment. If we do not hear from you we will visit at will. Failed visits may be charged for as per the terms and conditions of the contract you signed. NOTE: COURT ACTION - All necessary documents have been compiled into a legal case file to evidence the issue of this credit to you, and your refusal to come to a satisfactory arrangement to settle this debt. This is ready to be submitted to your local County Court or Sheriff Court in order to seek a Judgement against you. If you have already repaid, please contact us so we can investigate further and close your file. Yours faithfully Door Collections Marshall Hoares Bailiffs T elephone: 0843 381 1111 PLease help at my wits end now

Without sounding stupid can I do this on there website or do I phone them? Sorry im just so confused with the whole thing. Thank u for your advice x

We are being hounded by ndr/Marshall hoare and appleton massey for a loan that was originally £200 which is now up to £714 I have sent them numours amounts of emails offering them the most we can afford worked out on a prorata basis but they are refusing to accept it saying we need to send income and exp. wage slips, household bills etc and a letter from his boss. Can they really ask for this or is a simple buget form enough. At our wits end dont know what eles we can do. I have kept every bit of correspondence from them and what we've sent. Any help / advice would be so gratefully received. x

Hi guys sorry to high jack ur thread but my partner is in the same position. We are being hounded by ndr/Marshall hoare and appleton massey for a loan that was originally £200 which is now up to £714 I have sent them numours amounts of emails offering them the most we can afford worked out on a prorata basis but they are refusing to accept it saying he needs to send income and exp. wage slips, household bills and a letter from his boss. Can they really ask for this or is a simple buget form enough. At our wits end dont know what eles we can do. I have kept every bit of correspondence from them and what we've sent. Any help / advice would be so gratefully received. Again sorry for jumpin in xx