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  1. Hey Guys I have been battling with Speedcredit/toothfairy/NDR/Marshall Hoares for months and months. I finally got them to agree to a payment plan. On a £100 loan they had hiked up charges to nearly £1500, through sheer grit and determination I managed to get them to agree (in writing) to 3 payments of £58 to settle and close the account. All was fine, I made the three payments (Oct, Nov and Dec) as instructed on their email (via bank transfer with a reference number) Those jokers have now said they cannot find my November payment and I still owe them £58 and unless I pay they will start recovery for the full amount of £1560. I have called them and replied via their useless web pages numerous times, and numerous times I am told their account department is looking into it, then 2 days later I get another round of emails telling me I still owe them money. In my last phone call I told them that I have my bank statement to hand to prove that the payment has made, I have even instructed my bank to run a trace on the payment..... I was told to email it to them......Idiots! I was then in a later call told to fax it to them....!! Now being in the 21st century I do not own a fax machine and my work do not own a fax machine. So what was I to do, the lovely man on the phone told me to seek out a corner shop and get them to fax the sensitive documents over...... again REALLY! Soooo here is my cheeky work around. I have found a online fax service offering a free 30 day trial. The service gives you your own fax number and will fax whatever you upload to any other fax machine number (after the 30 days its £7.99 a month but you can cancel it anytime during the trial) http://www.efax.co.uk/ It works a treat! Sent my letter, copy of their letter accepting a payment plan and copy of my bank statement proving payment (with my bank account number and sort code blocked out, not having the cheeky buggers try and get any more money out of me!) via fax to NDR at this number 0203 137 0794 and a few minutes later got a fax receipt telling me my transmission was successful, sent to my email address. To be fair that fax machine at NDR could actually be their local corner shop but that is the number they gave me and I have a receipt to prove I have sent the letter should anything come back to me later. I wanted to share this with you guys as I know everyone has trouble emailing and sending letters to this company and indeed getting recorded delivery proof via royal mail. Perhaps going old school and faxing will help some of you Keep on plugging at them guys.... you can do it! Love H xx
  2. hi so here goes, where do i begin........... i get a payday loan from TFF it defaults due to a mistake on their behalf and i get hit with all sorts of fees.......im sure you know where im going with this, these fees lead me to being contacted (harassed) by NDR and MHB ive had all of their techniques, emails,sms,phone calls about bailfs court costs blah blah blah.......... i decide to google and find CAG within 7 days of reading thread i found out all i need to know about my rights regarding both legal and with comlaints eg, OFT FOS. last night i prepared an email calling out all parties on their flawed polices, i went into great length about the oft rules and regulations that they were breaking so i have complained to the oft and all transcripts had been issued to them, along with numerous breaches of general law including trying to take monies from my bank account without my permission which is classed as stealing. today i receive an email from a 4th party ''payday processing loans'' in response to what i had to say, here it is Dear Mr xxxxx We are sorry to hear that you have a complaint about the service you have received. The company attempts to treat its customers fairly in all circumstances and we apologise if you believe the service you have received falls short of your expectations in any way. Please accept this email as acknowledgment of your complaint. We have 8 weeks in which to try to come to an amicable agreement. If we are unable to come to resolve your complaint in that period, you will receive a Final Written Response. This will set out the company’s final position in respect of your complaint. If you are unhappy with the Final Written Response and wish to appeal further you have the right to make a formal complaint with the Financial Ombudsman Service. You must make sure you do this within six months of receiving the Final Written Response or you may lose your right to ask the Ombudsman to review your complaint. The contact details for the Financial Ombudsman Service are as follows: Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9SR We hope that you find the information contained herein to be helpful and that we are able to resolve your complaint to your satisfaction. I have thoroughly reviewed your file and will block outgoing calls regarding collections. Although the loan was due in full 13th January 2013, we will reduce your outstanding balance from £678 to £364 to close your file. This offer is made in satisfaction of your complaint and contingent on its withdrawal. Please let me know in writing if you accept our offer. Alternatively, please let me know what it is that I can do further to resolve your complaint. I look forward to hearing from you. Yours sincerely, Michael Lapides Complaints Assistant Web Loans Processing Limited 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. Unless 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. entertaining agreed ???? you will notice numerous further breaches of the oft rules and regulations including an offer of reduced debt if i withdraw my complaint absolutely laughable. i immediately responded with yet another email calling them out and using their scare tactics against them for a change email which is as follows hi Michael thankyou for your quick response this is of great amazement to me as almost all contact i have made has been dismissed immediately. although i have no idea who ''web loans processing'' are im guessing your a part of the tooth fairy finance, northern debt recovery, marshal hoares solicitors family. your email seems sincere enough at first glance (to an uneducated person) but as read it myself i noticed yet another number of statements that once again break oft guidelines/rules and regulations, the main one being you say you are willing to reduce the outstanding debt IF i am willing to withdraw my complaint (this is a big no no tut tut) i cannot wait to update the oft with this one. although i am great full of the information and links you have attached to the email id like to make clear im well aware of all procedures surrounding FOS and OFT when making complaints including response times and time periods in which they must be dealt with. in your email you say you have removed my phone number from being contacted regarding collections yet within an hour of receiving your email i had a text message about a door visit and 4 calls all sent straight to my voicemail as i have blocked your number personally. once again breaching oft guidelines/rules/regulations. i urge you to pass the message on to your colleagues in the next office at TFF NDR and MHS to remove my contact details and respond to me via email/written form as their continuous harassment will only be logged and used in court if and when you do decide to take me. you fail to acknowledge my notification of the removal of your right to a door visit, i once again reiterate my statement that your visits are unlawful as i have clearly stated i wish to resolve the matter via email or in writing, i state again any individual/s who attend my property will be asked to leave failure to do will result in my local police authority attending and removing the individual/s. i have also received an email from NDR today in response to me requesting a copy of my original loan agreement that i electronically signed as well as proof of who actually owns the debt as i have been contacted by TFF and NDR in the last week regarding payment of the debt, this email stated only that a copy of my agreement has been sent out to me via post, so i ask you yourselves to once again send me proof of who actually owns the debt. as for your offer of reducing the debt i will make it clear once again i am not willing to pay more than the original loan fee plus one months interest equating to £272 even if you do agree to this i will not be withdrawing my complaint although i will make clear to FOS and OFT that you were very helpful in resolving the issue once i had opened the dispute with you. if however the dispute remains unresolved after the 8 week period i will not be waiting 6 months to continue with my complaint and i will begin legal proceedings myself against all bodies at TFF NDR MHS and WLP involved with all court costs and solicitors fees being reclaimed from said bodies. i once again thankyou for your hasty response and wait in anticipation for your response. yours xxxxxxxxx i cannot wait for their reply but in the mean time i would like to see what you guys think of my approach, its just im not a tool and i will not be bullied by these mugs they have gotten away with it for far too long extorting monies from individuals who are desperate but do not know what they are entering into when dealing with these creeps. ive been greatly inspired by your threads and offer great thanks for the information you have made available for us unfortunate individuals who have had to resort to these pay day loans/loan sharks
  3. I have a Kays mail order account, due to being unemployed for a few months, I got into arrears and NDR are now contacting me, arranged to pay a lower amount with them thinking it was Kays, I am paying the amount every month to Kays but have now accrued late payment fees, due to them not making it clear that payment is not due on a set date every month. I am going to start the reclaim for these this week. But my question is, I have been paying into Kays account as normal so why am I getting a statement every month from NDR, has anyone tried to get this changed back to Kays statement, I know this sounds stupid but I dont want to pay direct to a dept collector.
  4. had been looking at my mums statements for this company (ndr) and ive came across service charges each month for either a "debt collection phonecall" or "late minimum payment fee" sometimes both im guessing these are bogus and she could claim them back? she has a payment set up each month that is paid on time so im lost at where the late minumum payment fee is coming from. both of these charges are £12 each
  5. Hello everyone, I'm new to the forum & I actually thought I'd created a post a few days ago but I cannot find it anywhere. I am trying to help my Aunt with a debt that she has with Very which has now being passed onto NDR although she hasn't yet received any letters from NDR. My Aunt owes £5637.52 & up until July last year she was making regular monthly minimum payments then she lost her job. She contacted Very as soon as she realised she would no longer be able to afford to make the minimum payment. Very ask her to make an immediate payment of £100 (as she was a day or so late with her payment at that point, she paid the £100 and they charged her a late payment fee and an insufficient minimum payment fee) and they arranged a payment plan with her of £266.42 per month. My Aunt said that she felt pressurised into agreeing to the payment plan by the advisor even though she knew she couldn't really afford it but she was so worried at that point (I have no idea what they actually said on the phone) she agreed to the payment plan and actually made two payments using her credit card. She then called Very again to explain that she couldn't afford the £266.42 per month and offered them £60 which they refused. She last made a payment in September and has been getting lots of letters from Very regarding her account which she has kept to herself until the 31st of December when she received a letter from Very's Arrears Collection Department entitled 'pre-escalation notice'. The letter states that her account is in arrears of £1096.23 (she owes £5637.52) and that the account is been passed to NDR. She is now a nervous-wreck and is making herself sick with worry as she has no way of re-paying the debt at present so I'm trying to help her but I'm unsure of where to start. I haven't called Very or NDR as most of the advice on here states to only converse with them in writing. Should I send a CCA & if so should I send it to Very or NDR? My Aunts account was taken out in 2006 and I've managed to download her past statements from her online Very account. Looking at the statements my Aunt has been charged numerous late payment fees and debt collection letter fees, can these be claimed back? I'd really appreciate any advice you can offer with the next steps to take. Thank you
  6. I posted sometime last week, basically like everyone else, I had a £200 loan which escalated to nearly £700 in a few days.. I called even before to say I was struggling to pay the £200 and they refused a payment plan. I have been getting non-stop calls from TFF, NDR and MHB, who are apparently going to come to my house, I ignored most of the calls and sent a letter to them. Today I got a call from this number - 01224 931013. They have called me the most, and in their voicemails they say "from nothern debt recovery" then I got another two voicemails a couple of days ago "from MHB.." and only today I decided to speak to them and I don't remember them confirming who they were, I was out walking and their phoneline was terrible, like all fuzzy could barely understand. I didn't want to say much but I just told them straight I've sent a letter and I'm not paying the ridiculous amount when I made it perfectly clear I couldn't even pay £200 so how do you expect me to pay £700?!, the lady on the phone said she would take off £200 if I paid today, I said no then she said I could pay £50 a month for 8 months and only pay £400. I did think about this, like all I plan on paying is £272 because that's what I owe, Well I think it was £236 but obviously I couldn't pay it and I already deffered the loan many times, so I thought paying an extra £130 isn't that bad.. but then I can't afford it, I can't just throw out another 100, I told her I would call back tomorrow and discuss because I obviously needed to think about it.. I thought I was actually talking to TFF on the phone I'm sure she said that but it was too fuzzy to understand, but now after checking all my voicemails MHB and NDR have the same number?! lol. So now I'm not sure what to do, I don't really want to agree to it. I wouldn't mind paying 50 a month for 6 months even though that may be a bit of a struggle but I don't want to pay extra, I can't afford to and don't really want to. But then I don't want any more hassle and don't want them turning up at my house, I got a letter saying they are coming and getting a CCJ ready.. So I need some advice.. Shall I write to them again saying I will pay 300 max? and that's all I can afford. I still owe minicredit 150 which has also gone up to like 500, I haven't even dealt with them yet apart from on the phone, when I asked for a repayment plan and they refused unless it was 500.. they haven't been harrasing me though so I kind of forget I owe it, like they sometimes send me an email and text but that's it. I'm stuck in a rut, please help!
  7. good morning have been reading on here for a while as i have an outstanding loan with speedcredit.. so most emails that i get from them dont bother me i just keep sending in my request for payment plan but this morning i got a totally different email from them which has thrown me now...this is it This is a reminder that you committed to pay back your Speed Credit Loan*** debt. This debt is now very overdue. We have allowed you to extend the loan as a goodwill gesture. As part of settling this debt you are committed to paying GBP 2461 by 13.12.2012. In accordance with the Standard Terms and Conditions you agreed to, we will be automatically taking payment tomorrow as agreed to therein. Please ensure the amount of GBP 2461 is available by midnight tonight. IT IS ESSENTIAL THAT YOU HONOUR THIS AGREEMENT AND THE PAYMENT. If there are insufficient funds in the account and/or the payment fails, your file may be fast tracked to Door Recovery Agents and failed payment fees of GBP10 per transaction applied. If payment continues to be non-fo rthcoming, then the file will be passed to our Solicitors for review. This may lead to a County Court claim (or Sheriff Court claim if you are in Scotland) against you. IF YOU DO NOT WISH FOR US TO TAKE THIS PAYMENT YOU NEED TO CONTACT US ON 0843 381 0843 IMMEDIATELY SO THAT YOU CAN ARRANGE FOR REPAYMENT, STOP YOU INCURRING FURTHER LATE PAYMENT FEES AND ESCALATING ACTION! If you have any questions regarding this, or will be unable to pay contact customer services NOW! Yours sincerely, COLLECTIONS NORTHERN DEBT RECOVERY 0843 381 0843 should i contact them as my pay goes in tonight and i dont want to wake up in the morning to no money in my account..i am going to the bank to stop the cpa but as a lot of people on these threads have said going to the bank and stopping them does not always work..
  8. Hi, This is my first post but I've been reading the posts for a couple of months now. I guess like many of you, I've got myself into a financial mess by living beyond my means and borrowing from payday loan companies. After two years of burying my head in the sand and constantly borrowing month on month and roll over some loans. I eventually got help from payplan and managed to set up a debt management plan. Most of my creditors were reasonable and accepted the plan and all phone call/emails have stopped apart from one... Toothfairy finance. A £400 loan has somehow spiralled to £1846. I've already paid back £236 on it and I reckon I will pay them £600 in total, original loan + 1 months interest plus reasonable amount for default. Also to say I never missed a month paying at least some money to them. Debt now supposedly owned by Marshall Hoare. I'm now aware after reading through the forums that the 3 companies are one and the same. Problem is they refuse to talk to payplan. I'm currently paying £34.20 a month to them (through payplan) and they say they can only accept £40 minimum to freeze charges etc. Technically I could make up the difference but I refuse to as I will then be given them preferential treatment over my other creditors and they have caused me so much stress I won't do it. After weeks after phonecalls from Marshall Hoare where I explained I could only afford £34.20 and they can keep putting charges on because I still won't pay more. I then got a phone call from NDR who said they will accept my £34 a month. I was wary of agreeing to this so I told them to email me the details and I will look over it before I agree to anything. This is what I was sent Dear Pastor 123 I am writing to confirm your conversation with our agents / debt collection agencies regarding your Pay Check Credit Loan* and your agreement to pay: 12.12.12 - £34.00 12.01.13 - £34.00 12.02.13 - £34.00 12.03.13 - £34.00 12.04.13 - £34.00 12.05.13 - £34.00 12.06.13 - £34.00 12.07.13 - £34.00 12.08.13 - £34.00 12.09.13 - £34.00 12.10.13 - £34.00 12.11.13 - £34.00 12.12.13 - £34.00 12.01.14 - £34.00 12.02.14 - £34.00 12.03.14 - £34.00 12.04.14 - £34.00 12.05.14 - £34.00 12.06.14 - £34.00 12.07.14 - £34.00 12.08.14 - £34.00 12.09.14 - £34.00 12.10.14 - £34.00 12.11.14 - £34.00 12.12.14 - £34.00 12.01.15 - £34.00 12.02.15 - £34.00 12.03.15 - £34.00 12.04.15 - £34.00 12.05.15 - £34.00 Total payment of £1,020.00 to be paid by 12.05.15 to close this loan This agreement has been noted on your permanent file. PLEASE NOTE: If YOU fail to HONOUR this agreement, and pay as agreed, our systems will AUTOMATICALLY take the following actions: 1. FULL fees and charges will be added to your account. 2. Full interest will be added retrospectively. 3. An application will be made to the courts for a County Court Judgement to be registered against your name, an application will then be made for a Warrant of Execution to either seize goods and/or obtain an attachment of earnings / benefits. Bailiffs may be instructed. This should be taken seriously. It is ESSENTIAL you honour the agreement you made So basically they want me to pay £1020 on top of the £236 I've already paid, which I'm obviously not going to do. Since this was sent the daily phone calls have stopped. My question is should I not contact them, continue to pay my £34.20 through payplan until the £600 is paid off and then cancel payments? Or contact them and tell them I don't agree to this and will only pay them £600? It is a relief not having to speak to them all the time and have the same conversation, but as I obviously never agreed to THEIR payment plan should I let them know now?
  9. Hi not sure how to use this but was wondering if someone could help me. I have 4 payday loans currently all overdue, I recently started a debt management plan with harrington brooks. Although I gave them all my information and details of creditors I am still recieving letters and phonecalls from the creditors who have not heard from harrington brooks at all so far. I have an overdue account with toothfairy finance who has passed my debt over to NDR it started of as 400 now is nearly 700 and they are sending me emails saying they will get a CCJ and send bailiffs to my house to take 9 times the amount I owe them if I do not get in contact. I am only 19 and honestly do not have a clue how to deal with this at all I know I have gotten my self into a very stupid situation but the reality is I cant afford to pay them much each month with being a single mother on benefits, could someone let me know the minimum I could offer to pay.
  10. Right had a payment plan with these guys for 6 months. Every month I pay cash directly into their account, always on or before due date. 2 days later I get txts and emails telling me I havent paid, charges are being added, the recovery agents are coming! etc etc. So this month I've had enough offered a f & f to close account. Let this be an end to it.
  11. Hi, I really need help with this company. I took a 100 pounds loan with speed credit on the 11.09.12, but i have lost my job before the repayment time and due to being a studant i only recieve money in large lump sums and my next one is not until january. I am aware that i have been stupidly ignoring letters and calls as i have had no way to repay anything i owe them right now, however i really do wish to clear my debt and want to start corrispondence with them to come to an agreement but am unsure where to start. My origional loan repayment should have been £124, since then my debt has been passed to northen debt recovery who sent me the following email 'we have been passed your file by our client speed credit t/a speed credit pay day loan*. You took a loan with them on 11.09.12. They have made numerous attempts to contact you to arrange repayment and have offered to put you on a more flexable and affordable payment plan (which they havent as they havent talked to me at all). as you have ignored all calls, emails, letters and sms your file has now been passed to ourselves as well as solicitors. PLEASE CALL US AS A MATTER OF URGENCY ON 0843 318 0843 OTHERWISE we will be left with no option but to send out field agents to your addresses. we are also liaising with our solicitors who are in the process of obtaining a County Court Claim against you. Once this is secured we willl then be able to execute; - a warrent of execution for court baliffs to seize goods, - an attatchment of earnings to deduct sums from your income source, - a garnishing order to freeze your bank account. Legal and recovery fees have been added to your file. Below is a break down of what you owe; Loan GBP 100 Loan & Interest GBP 196 Legal Fees GBP 150 Recovery Fees GBP 200 Repayment To Date GBP 24 Total GBP 547 These fees may be reduced if you contact us immediately' I have also recieved many sms from them saying that baliffs will be coming to my house in 7..6..5 etc days..also i have recieved two texts saying 'jessica you have committed to a payment plan to settle your toothfairy loan. A payment of 96 is due tomorrow' which i am confused about as i havent committed to a payment plan and my loan was through speed credit. This morning i have recieved a letter from Appelton Massey Solicitors stating; 'Outstanding balance 523. we act for NDR who acts as agents for speed credit in relation to your speed credit payday loan*. we are informed that dispite numerous attempts to obtain payment the debt remains unpaid and outstanding. we are instructed that un;ess your remittance is recieved within 7 days or alternatively, that you contact NDER and make an acceptable arrangement for repayment, county court proceedings are to be issued to you without further notice. the issue of proceedings will incur costs which will be added to the debt if judgement is obtained and will increse the sum due significantly. In the event that a judgement is obtained, it is likley that we will be instructed to enforce judgement against you. this may involved one of the following etc.' They have also already taken out three sums of £24, £12 and £12 out of my bank account causing me to become over mt overdraft and i am now expecting to have £10 a day charges from my bank as a result. I understand i have got myself into thsi position however i feel for a 100 pounds loan this new 547 or 523 figure doesnt make sense. i want to repay what i owe but cannot afford the new figure, i am worried about baliffs and court proceedings, and also that the company wont help me as i have no actual income until my studant loans. Sorry for the long post but please help!
  12. Hi there - I have just sent away a SAR to Very at their registered office in Bootle. I have been a customer for a few years! Last year I got into a bit of difficulty account ended up being referred to NDR. I have been on a debt management scheme for over a year and paying every month to NDR with out fail. There are plenty of charges but glad to say the interest being charged was stopped about 6 months ago. My question is if and when i receive this sar back, am I entitled to the late charges or would these be paid back to NDR as they are inhouse? Thanks in advance
  13. hello to all could someone advise me of my situation, i received out of the blue a threating text from northern debt recovery stating that if i dont contact them asap they will send baliffs round to empty my house there were other things in the text to, they said i took a loan out on the 12/10/12 thats amazing because i have been unemployed for 6 months now i am an x policeman, i had to leave for medical reasons, so i was shocked to receive this so i replied and guess what it bounced back, so i tried to find out there address and with my contacts i still had trouble simply because they are not where they said they were, these people are invisable, i since had another text and a letter, i have replied to the address that i have found through colleagues research and sent all 3 a kind letter (not) but still had another text saying that they have passed on my file to solicitors and bailiffs, and a doorstep collection would proceed, i cant wait for them to turn up, i am 6'5" and 20 stone, if they turn up i will bury my size 13 foot where the sun dont shine. so after all that has anyone got any idea where these people get off, and a possible address so i can arrange a visit for them ? this makes me laugh but makes my family worry that someone will turn up when i am not there, i have been told to report these muppets to oft but i have trouble finding theses ********s how can oft trace them? thank you all any advice would be great
  14. Hi guys, I'm wondering if anyone can help me with a toothfairy problem. I've had a number of payday loans that have become a problem in the last month or two. I've contacted all of them and come to a reasonable conclusion with all of them excluding Toothfairy. I've contacted toothfairy a lot of times both before and after the default. The outstanding balance on my due date was £544. I offered a repayment of £50 a month and on the due date I made the first payment of £50.00. Since then I have received a number of texts and emails from toothfairy, NDR and now Marshall Hoare debt collection all of which seem to be a part of Toothfairy. Up until today each time I contact any of these people I have had an automatic system response saying that payment plans are not acceptable and they want payment in full. This morning however I have received an email from Marshall Hoare saying that they will accept a payment plan of £150 a month. The problem is however that instead of it being for the £544 I originally owed them it is now for £1,090 which if you include the payment of £50 I have already made them is now over double what I owe already. I've made a complaint to NDR which they have said they will respond to within a month however in the mean time I'd like some advice as to what happens next from anyone who has had dealings in the past. I assume if this goes to court then I can argue about the unfair fees however I'd rather it didn't get that far, but also I have no intention of paying back over double the amount I am due. It hasn't even been a month since my due date currently! Any advide would be amazing. Thanks Lucy
  15. Hi all, about 6 month ago i came into some hardship i wrote to very and littlewoods explaining this and that i would be paying X amount on both accounts. Of course they are not accepting this but i am every month without fail paying amount i said i would via internet banking. They have got Ndr involved now and i just dont know what to do i don't want to be dealing with debt recoverys as still paying shop direct. Any advice would be great. Thank you.
  16. Hi, I purchased a cooker from my mums catalogue around 9 years ago. About 6mths after my husband had a mental episode and was hospitalised and i had to give up work to look after him and our children. As i couldn't afford the repayment each month to my mum the account was passed to me. The debts started mounting up so we seen a debt specialist at the CAB office who sorted out all the debts and offered them all £1.00 each (apparenlty we had to offer all debt companies the same amount). Empire catalogue accepted the £1.00(shop diect) payment and everything was fine. Then the debt was passed to droyds debt and collections services who accepted the £1.00 payments. The on the 14th july 2008 i receieved a letter from NDR saying that they had took over the account and to keep on paying the amount offered of £1.00. On the 21st march 2009 i received a letter telling me they were adding on £12.00 as payment not receievd even though it has always been paid by standing order every 28 days and that they require the full amount - does state on letter £1.00 received. This was the start of my problems with them. I sent them a letter stating that they had accepted the £1.00 offer, and a copy of the letter, to which they responded that that was now out of date and they now require £40.00 per month. I wrote to them explaining my situation which now included the fact that i couldn't work as our son was diagnosed with a life threatening illness so i have become his fulltime carer and included income/expenditure form. I received a letter telling me that they were not going to accept the £1.00 but would hold interest on the account for 6mths, if i paid the £40.00 per month. Since then they keep on adding £12.00 to the account which now stands at £800 - all the other debt have now come off my credit file and most were paid off when we had to sell the house 8 years ago, but it was the large debts we paid off. NDR will not accept my £1.00 offer, nor will they accept a settlement arrangement, as i asked them if i could settle the amount for a lower figure and they have turned me down. This debt is still on my credit file as they never defaulted the debt but shows up late payment each month. I did send them a letter asking for copy of my credit agreement which they sent me a blank credit agreement, but this was back in 2011. I have had phone calls to them to try to lower the amount since and letters but they always turn it down, lowest amount they will take is £39.00. I haven't had time to deal with this debt until now due to personal reasons beyond my control but now i want to try to resolve the matter but i am getting nowhere with NDR, told by them to speak to a debt advisor and get letter off them saying i can only afford £1.00per month, which i did last week and three companies weren't interested due to the amount owed only being small. Any help will be much appreciated. stacey
  17. I am worried sick. i took out a loan from toothfairy in april. i wanted £100 as i have had them before and payed back in time. on the day, it said i had to choose a higher loan as £100 wasnt available. i got a £200 one and then something happened so i didnt repay. i have since had numerous calls/texts/emails every day form them, and NDR wanting money. the debt has risen to £715 and will rise again if i dont pay within 3 days. today i have had a text from marshall hoares bailiffs sayig they will be at my adress in 3 days and will take things to 9times the value of the loan. i have emailed them, told them on the phone and through the contact us on all 3 websites asking how to repay an affordable amount each month/fortnightly. i am on benefits and get £148 every 2 weeks. i am worried sick for me and my young daughter. i have been sitting with blinds shut and not making noise/not answering door if i am not expecting anyone. i really dunno what to do. they wont give me an answer to repay what i can afford. oh, forgot, i had a text yesterday saying i had agreed to pay today in full but i never did. because i got the text yesterday, i went online banking and switched the money i do have in (my rent) to my savings account so they couldnt take it. anyone have any advie?
  18. So here's the story so far. On the 8th May i took out a 100 pound loan with speed credit on the 8th May for 100 pounds. Unfortunately my partner left me at this point and left me in a financially difficul position being required to pay rent, bills and everything else as im sure your aware in a household. At this point NDR took over: (NDR flat out refuse repayment plans when you email them with an automatic email response stating We Do Not Aceept Repayment Plans) To resolve the situation i made the repayment offer on the 7th june for the following installments 26th June: 87 pounds 26th July: 100 pounds They stated that this 187 was the amount owed however there website clearly states that its 12pounds per week. This was 4 weeks after taking the original loan so my maths add up to 48pounds so infact in total 148 pounds. This however was refused. At thias point i got dubious when speed credit refused the repayment schedule so ti think this is a completely fair offer. On another review of my finances i then offered - my original calculations had been slightly off. 26th June: 62pounds 26th July: 62 pounds 26th August: 62 pounds Again my offer was refused under the basis it was unfair. They are also very clever with there contact us you cannot email them only via the website which means you get to keep no proof you sent anything. On the 29th June i made a repayment of 40pounds towards the balance to hold the charges but they wanted a remainder of 211 paid by the end of the month something i wasnt able to do. again charges continued to build and on the 26th July when i was unable o pay 211 i paid a token amount of 10pounds. I got the usual correspondance saying that i hadnt ried or been in contact with he company and and all charges would be applied in the form of a 350 transfer charge (150 admin charge & 200 solicitors fees) They eventually agreed to 2 repayments of 10.5 but at this point i was unhappy hat i had already paid 40 pounds and wanted a further 210 pounds off me for what was a 100pounds loan and realistically at the time i could not afford it. At his point i had made multiple offers of repayment tried everything to n luck so i gave up and was going to ignore them and i didnt think they were contacting me. NDR sent me one final email before all charges were applied completely going against the 350pound charge i would incur and turned up at 386. Onthe 6th of augustthey offered me a final chance to pay 200pounds. unaware to me at this point marshall hoarse started contacting me 48hours later though these went straight to my junk email these were received 080812 - for the amount of 386 130812 - for the amount of 386 180812 - for the amount of 410 in all 3 they give me formal notice speed credit have legally assigned them the debt yet they are based in the same buiilding. Also can they continue to add charges. They advise someone will visit my property (is there anything i can do to stop this) is there anything i can do though now or is it jus going to spiral? wha should i pay back the loan was originally including interest for 148? Have i shot myself in the foot by setting up a payment plan and breaking it i just felt pressured to set it up in place and sent a long winded letter detailing this plan? - the only reason i didnt make the payments was because i believed he charges were unfair. is there anyway i can stop them coming to my property. should i pay anything to the balance at the moment? finally if they take me to court will i automatically get a CCJ against my name or is that only if i break the repayments issued by the cour i really dont want a CCJ. The marshall hoarse states the following in email TAKE NOTICE: You should accept this letter as formal notification that unless payment is received within 4 days then your account will be fast-tracked and considered for the following: Consequences of inaction: 1. Court Judgement legal action will be automatically started in the County Court for recovery of the full amount outstanding. Any such proceedings will include additional claims for legal costs and interest which will increase the amount you will be required to pay. 2. Warrant of execution will be applied for to enable us to seize goods at your addresses and o r an attachment of your earnings. 3. Register of Judgements any judgement will be entered in a public register, the Register of Judgements, Orders and Fines Credit Reference Agencies, who will supply them to credit grantors and others seeking information on you financial reputation. This will make it very difficult for you to get credit. 4. Credit reference Speed Credit have already advised the Credit Reference Agencies of your DEFAULT. This may seriously affect your ability to obtain credit in the future. Once the balance is paid in full, only then will the default be shown as “Default Satisfied”. thanks for all your help and reading through all of this. im hoping someone here can help me if this goes to court, ive deal with loads of companies like this but never been anything like this. i have repayments with a few payday loan companies.
  19. hello all!! i got into a payment plan with these guys and paid nearly £600 for a £300 loan a year back. i think they have had more than they deserve and now i want them to stop harassing me. is there a sample letter i can send telling them i have paid them the loan principle plus a months interest and wont be paying them any more? maybe citing the fsa regulations? your help would be appreciated. thanks
  20. Hi Everyone, I am trying to reply to there awful emails and letters and texts, but as you all know the email address bounces back. does anyone have an address I can send a letter to please? Thank you.
  21. Hi unfortunately i am having issues with the above lender and inhouse DCA. Back in May i took out a loan for £100 which at the end of the month stood at £148 which i then went ahead and paid £48 to roll over for another 2 weeks. Unfortunatelyt then me and my partner went seperate ways reducing me to a single income for all bills and rent and financially i was unable to pay this back. After multiple attempts at contact it was then forwarded to NDR at the beginning of July who demanded repayment of £200 double the original amount after applying interest charges by the 24th July. I advised them i could not afford this amount and they advised that the outstanding balance would be increase to just under £600 pounds. A £350 NDR charge and so on though they an inhouse DCA and multiple other charges. Believing a housemate would be moving in i agreed to repay them £40 at the end of june and £200 at the end of july to cover the charges (they stated that the £40 would cover the extension for another month to the 26th June). Unfortunately i am now the beginning of August and i was unable to pay the £200 money back my new tenant was delayed by a month meaning i dont have the physical funds to make the payment. For this reason i have now sent a standing order payment of £10 as a goodwill gesture 5 days ago. Today i received an email stating the £200 must be paid back tomorrow or all extra charges will be applied to the account making the amount just under £600. I cant afford to pay back the 200 till the end of august. Does anyone have any suggestions and also is the amount of £200 too much?? i have so far paid back £98 pounds of the following: original loan taken for: £100 (£48 on top for the loan period of one month) PAID BACK £48 Extension payment £40 payment to hold off extra charges £10 token payment total: £98 (£50 lower than the original loan amount) NDR states still outstanding is the amount of £200 Any suggestions on what i should do next i have never dealt with a dca or pdl company less responsive than these. All others froze interest and in this case i would have nearly clear the full balance. If i needed to i could scrape together the £50 but nowhere near the £200 and i know they will if they even responded apply a further £40 extension charge. thanks timeforachange
  22. Hello everyone my sister foolishly took out a loan with speed credit. She repaid 2 different loans without problems then one day realised on checking her bank balance a large sum had been withdrawn from her account by an unknown company, this is currently under the banks investigation. The bank has given her forms to fill in to claim the money back. She was unable to pay back her loan because of this and explained to speed credit who were fine ,i then took over on the phone and asked for the person to whom i was speaking to please send an email to confirm the agreed amount of repayment,INTREST FROZEN AND £150 EVERY 2 WEEKS STARTING 26/6/12. No email was sent and on the first day of the agreement she paid £150 into speed credits account. Then an email did come through, "YOU HAVE AGREED TO PAY THE FULL AMOUNT OF £600 ON THE 26/6/12...ETC,totally different to what was agreed. Since then numerous emails and letters sent regarding court cases, baliffs and "WE WILL TAKE 9 TIMES THE COST OF OUTSTANDING COSTS IN GOODS FROM YOUR HOUSE" She has since had calls, usually an asian person who on friday was asking about the contents of her house as "we have to make a list of what our collectors will be taking".. Next she has been snowed under with emails, texts saying "because you are currently in debt to a lender please apply to us now! guaranteed xxxx amount and clear pressing debts today!" -so easy to fall for it. Things have taken a sinister turn today, one phonecall fron NDR saying if you don't pay tonight by 6pm "when we send our collectors to your house tuesday you will be paying when you see them" and a further call saying "we have been to court today and will be coming this week to take everything of value from your house to pay this debt" -the person claimed to be from speed credit, both calls were on witheld numbers.. .any advice welcome please, she is terrified and the last thing i need tuesday is having to turn up at my sisters with my people and the trouble it will cause,this is the last thing i want.... .thank you for taking the time to look.. *She has telephoned trading standards last week and they said there was nothing they could do without hearing her out,i hope shes just simply got the wrong person there....
  23. Hi, We received an email from NDR 2 weeks ago saying our Toothfairy account was in arrears even though it wasn't due for another few days. We rang toothfairy and the gentleman agreed that the loan had been passed to NDR too soon, and to ignore it. We paid a £36 extension fee to extend for a further 2 weeks and again we have received 4 emails in the space of an hour this morning stating that we owe £318, and then received an email 20mins later stating we now owe nearly £700. The loan isn't even due for a few days!!! This is the email we have just received: Dear Abigail Thank you for your message. You currently owe £678. Here is a COMPLETE breakdown of your account to-date with ALL the dates and the amount of ALL charges: 16.06.12 Issue LOAN £200.00 – 17.06.12 Charge Interest-1 £36 – 01.07.12 Charge Interest-2 £36 – 15.07.12 Charge Interest-3 £36 – 15.07.12 Charge Missed Payment Fee 1 (day 29) £10 29.07.12 Charge Interest-4 £36 – 29.07.12 Charge NDR Recovery Fee £350 29.07.12 Charge Missed Payment Fee 2 (day 43) £10 Payments to-date: 11.07.12 Payment -£36 You will be incurring additional interest charges on the 11.08.12 making your total outstanding £724. If you are unable to pay in a one off payment, but you are willing to pay £100 per month starting from this month, we are prepared to FREEZE all interest and charges. Please confirm the dates that you will be making payment on and whether you wish for us to set this up to take payment automatically? If you have any questions please don\'t hesitate to call us on 0843 381 0843 Failure to make either payment will result in your file being passed to a third party bailiff company who will commence proceedings against you in your local county court. Yours sincerely, COLLECTIONS (129) NORTHERN DEBT RECOVERY Any advice will be great!
  24. i had an account with very and due to their extortionate interest rates i got behind on my payments and they added £12 late payments aswell as insuccient payment charges and interest. they then transferred my account to NDR, they too hit me with all the default payments despite me trying my best to pay. they sent me a letter recently saying i would have to pay a sum of £29.06 every month and if i did not it would break an agreement and they could take me to court, etc. I am banking with ulster bank at the minute and have no access to funds in my account and they are due a payment in a few days. i am terrified of not paying it and getting into even more financial trouble.... can anyone help me? i just don't know what to do!
  25. Basically, took out an original loan of £100 *SpeedCredit*, with interest it got to £196, then it got passed to NDR and the total skyrocketed to £561 [which also doesnt add up with the figures they've put in the letter] We rung them [but I didn't record the call] and agreed that the debt would be cleared if we paid £200 by 26-06-2012, but a week later we got a letter from AMS saying that we've made no effort to make payments, or an 'acceptable arrangement for repayment'. AMS have also said that unless the amount is paid in FULL by the 26th they will issue County Court Proceedings against us. I've noted some advice about only paying the loan amount plus one month interest, which seems fair, but as I havent seen anything on court proceedings it's starting to worry me. Should I take it more seriously because it's from a solicitor, or should I treat it the same as any other DCA's? Any help or advice you could give me would be hugely appreciated. Letter7
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