Today I received a letter from Appleton Massey stating that I owed Northern Debt Recovery £714, after taking a loan of £200 out with Toothfairy back in April. Unfortunately, I had to quit my job not long after taking the loan, hence my being unable to repay. I called the number on the letter, which put me through to Marshall Hoares (when I said I was confused by all the companies involved, the man on the phone became very aggressive indeed, glad I recorded the call!), anyway, I asked for a statement of the account which he ‘emailed’ to me (haven’t had it – funny that). He explained later in the conversation that they have the ‘complete right of law’ to add all the charges that they have done, and told me ‘when you signed the agreement, in the terms and conditions it says blah blah blah’... As he sent the email twice, but I didn’t receive it, I made him read out the charges; 26/4 - £36 10/5 - £36 25/5 - £36 24/5 - £10 7/6 - £200 7/6 - £10 7/6 - £150 7/6 - £36 20/6 - £36 I informed him that as a student, I will only be getting my loan in September, so cannot make payment. He said they could accept £400 today, £200 per month for £600 or £100 per month from 1st July totalling £700. He then went on to say that he was going to refer my case to the fraud department as he did not believe that I was working at the time of my taking out the loan, as he had asked me when I finished my job and I said I wasn’t sure, eventually getting out of me ‘I don’t know, middle’, to which he replied ‘well that would have been between the 17th and (whenever), and you took this loan out on 28th.’ My last day of working was actually the month AFTER I took out the loan, I have realised. Can they *really* add on all these charges?! They are difficult to get in touch with, and I don’t usually make calls to such people, but they are saying that they have made calls, sent emails and text messages, none of which I have received in the first place!! Any advice on the matter will be muchly appreciated!