Thanks for this. I will get my daughter to cancel the account her original loan went into and will report to oft and fos also. I have been going through the posts and it is horrific how they treat people . I have never been in this position myself and wish my daughter had spoken to me rather than going to these people. Should I write to NDR and explain we have no intention of paying or just ignore them. I have no desire for her to have a lasting mark on her credit rating for something that is not actually a debt.

Hi There , Not sure if I am posting his in the right place but here goes. My daughter got herself into a bit of a finacial muddle and instead of coming to us decided to taje out a Loan with Toothfairy. She was unable to repay at the given date and then was sent a letter which arrived on 18.10 13 saying she needed to pay £159.50 which needed to be paid by the 16.10.13 . We logged to her account on the 18.10.13 and the amount had increased to £!68.40 which I paid for her by bank transfer that afternoon. Thinking this was the endof it was astounded to receve a letter dated the 24.10.13 demanding a further £230 .90 from NDR stating the followng Loan and interest £179.30 Legal Fees £150 Recovery Fees £200 Repayments to date £168.40 Total £230.90 Have ignored this so far but am concerned that without contacting them the charges will keep racking up and there may be some legal commitment from my daughter to pay them Can anyone out there advise . Worried mum