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Hello, I had a bad experience with these people. I borrowed £400 and today it is over £2400 in debt with them. Continued harassment by NDR and MH Bailiffs, who for those who dont know, are owned by the same owners as ToothFairy. It's all a [EDIT]. I am refusing to repay, and I am happy for them to take me to court where I will fight them. There is no note on my credit file regarding ToothFairy. I'd like to know if this is the same for everyone? Has anyone ever been visited by a real bailiff, or been taken to court by these people? I have launched a website to warn others and share peoples bad experiences with these people. Please visit the site and share your experiences. No more victims. Please reply to this thread with your experiences Thanks and best of luck.