Have been ignoring my 6 Payday loans and 4 other debts for several months now, the other companies don't appear to have put disproportionate amount of interest on to the debt but my Toothfairy loan has gone from the original amount of £300 up to £1438 since I took the loan out in late July and I get this email from them every 5 days: We are writing to give you formal notice that ToothFairy Finance Ltd - ToothFairy Pay Day Loan has legally assigned the rights of the above debt to Marshall Hoares Bailiffs. This means that Marshall Hoares Bailiffs Limited now legally own this debt. YOU WILL HAVE OR WILL SHORTLY RECEIVE A HOME VISIT We intend to pursue you fully for all outstanding sums (GBP 1438) including any fees we incur collec ting this debt. Payment in full must be received no later than 17:00 to avoid further door collection fees being added to your file. DO NOT IGNORE OR THIS WILL COST YOU MORE Debt GBP 1408 Missed Payment Fee 1 (day 29) GBP 10 Missed Payment Fee 2 (day 43) GBP 10 Missed Payment Fee 3 (day 57) GBP 10 Repayments todate GBP 0 Total GBP 1438 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 app lied for to enable us to seize goods at your addresses and or 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 ToothFairy Finance Ltd 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”. To AVOID A HOME VISIT or further action you should PAY IMMEDIATELY 1. online using a card by visiting: www.marshallhoares.com OR 2. at bank either over the counter at the bank or by electronic transfer to: Barclays Ba nk Account Number: 93462382 Sort Code: 20-50-94 This debt will not go away and should not be ignored You can contact us on 08433811111 to discuss your outstandig debt. Yours Faithfully Anti - Fraud Marshall Hoares Bailiffs Telephone: 0843 381 1111 The content of this email should not be considered as an acceptance of any offer unless we previously review and expressly approve in writing your terms and conditions relating to the subject matter of this email. The information in this email is private and confidential. If you are not the intended recipient(s) or have otherwise received this email in error, please delete the email and inform the sender as soon as possible. This email may not be disclosed, used or copied by anyone other than the intended recipient(s). Any opinions, statem ents or comments contained in this email are not necessarily those of Marshall Hoares Bailiffs Limited. If you wish clarification of any matter, please request confirmation in writing. Marshall Hoares Bailiffs Limited. Registered Company No.: 6871092 Consumer Credit License: 631168 We take precautions to minimise the risk of this email containing a software virus but you should use virus checking software. How should I even begin to deal with this lot as from looking in this section of the forum they don't look very easy to deal with

Oh look... Looks like they have begun trying to "Enforce" These debts...

Guys Check this out below; This truly goes to show the shady dealings that company had... I think this should be a lesson for us all. To see a company like this go under is truly a good thing! I also like how it mentions about NDR and MHB being fit about holding Credit Licenses ^__^ What id like to know is how they define the loan book as "Potentially Recoverable"

Many months ago I took out a loan with ToothFairy Finance, what a mistake, which due to personal circumstances I couldn't pay. I contacted them several times about extensions, and got three unique responses regarding how the policy works, crazy people that they are. Eventually I had to contact them to request we come to a repayment arrangement, no reply. I continued emailing them almost daily, then twice weekly, eventually one last time to state I would no longer be attempting contact as they had failed to work with me or even respond through any avenue of email contact, despite their automated system confirming reciept of the emails. For all of this time I have kept an occasional browse over them as an entity, how they are operating etc. I joined the Royal Navy in October, and during training I actually sent my final email, and put the issue to bed. Now I'm settling into the next stage of training I recieved a text message from someone called Blackwater, regarding the loan I owe, claiming they have a solution to repay the debt, followed by a number. I have been looking around elsewhere to find out if the loan is even valid after a company goes into administration and has it's credit license revoked. I am to understand the loan ledger was sold at 7.5% it's value, some people have suggested offering a 10% repayment on the original amount borrowed. As I have obviously not recieved a reply from the company, I can only assume by now the interest and charges that have been invented are running into an extortionate amount. I have not contacted them at all since the text, and I have simply been researching to find a solution that isn't going to cost me a years wages. In my opinion, I have been trying to resolve this situation since it started, if Toothfairy had responded to me I would have had frozen interest and gotten it sorted over a few months, this situation wouldn't exist. As it stands they ignored me completely, despite mountainous amounts of contact from me, never to me, and simply let the loan slide over to this new company. I suppose what I'm asking, from someone who really knows the legal ends in this situation, what can I do?

Hi Guys, I have been looking at this forum for a while for advice, and have to say it has been great, much better than MSE forum which is full of pretentious ***ts who tell you to shoot yourself for making a mistake. However this forum has much much better users who have been helpful hence why i have decided to join. Anyway, i am another victim of Toothfairy Finance and have been dealing with these numb nuts for a few weeks, taking in advice from different members of this forum i have been responding only to toothfairy in writing via email. I want to post my progress as it happens as well as take in advice from you guys as what to do next. As it stands i took out a loan for £400 on the 7th of April, my income stopped and i was unable to repay the loan in full. As i am a student i cant receive benefits, however i start a new job at the end of this month. As expected the calls and text started, i did say to them that i will only correspond in writing, below is the list of correspondence in order: Mr **** Ref Loan: ***** ********* - 07.04.13 - Sum outstanding GBP 626 We have made a number of attempts to contact you by email and SMS to discuss the outstanding balance on the short-term loan you took out on 07.04.13 and you have failed to repay the loan in accordance with the contract. We have also warned you in advance of additional charges you have incurred. As we make clear to all our customers our product is intended to be a short term financial solution. If the loan is extended this product can become expensive. As the matter has not been resolved and your loan is still outstanding, we have been left with no alternative and are writing to advise you that this debt will be passed on to our Debt Collection Agency on 19.05.13. As per the terms of the contract betwee n ToothFairy Finance Ltd and yourself (see http://www.toothfairyfinance.com/terms.html) instructing a Debt Collection Agency will add a further GBP 200 to the balance you owe. Debt recovery agents will contact you using the contact details you have provided until you pay off your debt to us. This may include a visit to your home by a Door Recovery Agent who will discuss your debt with you. If after a reasonable period of time, you have not repaid your debt, this may lead to our taking legal action against you in the County Courts (or Sheriff Courts if you are in Scotland). We will seek to recover the full amount including interest, recovery costs and legal costs where appropriate. Should we successfully obtain a judgment against you, you should be aware that a County Court Judgement against your name will remain for 6 years on the National Credit Records (NCR). This is accessed by employers, insurers and banks and may result in:- a) difficu lties in obtaining future credit; b) difficulties in obtaining a mortgage; c) being questioned at a County Court as to your financial circumstances; d) difficulty in securing future employment due to an adverse credit history and credit score If we are successful in obtaining a County Court Judgment or Scottish Decree this will be followed by an application for a Warrant of Execution (or Scottish equivalent). If this is received, Bailiffs will then visit your property and may take possession of your goods to be sold to repay your debt. The initial cost of issuing a claim in the County Court or Sheriff’s Court can vary but we will seek to recover those costs against you should we be successful. We will also seek to recover all further legal costs where legally possible. This matter may ultimately cost you more than you currently owe if you do not contact us to arrange repayment now. Please immediately pay 626 by either: 1) Paying online by visiting http://www.toothfairyfinance.com and clicking Pay Now; or 2) Make a bank transfer for GBP 626 to: Barclays Bank Account number 93462382 Sort code 20-50-94 Ref: Use your mobile number (************) as a reference so we can match it correctly ALSO please EMAIL us confirming that this has been done to stop the debt being passed to the Debt Collection Team and further charges being incurred. If you ignore this and a Debt Recovery Agency is instructed you are putting yourself at risk of legal proceedings and further action. We look forward to hearing from you confirming a speedy resolution of this matter. If you have already repaid and this is not reflected in the above statement please contact us so we can investigate this further and correct your file. Yours Sincerely Legal Department Toothfairy Finance t: 0800 8620218  Please consider the environment before you print this email. The above email will look familiar to those in my position, i just ignored this then decided to call them to sort it out, from our phone they somehow believed i agreed to a repayment plan when i told them i have no income, which i thought was hilarious. At this point they told me i owed £1344 however after the repayment plan i "agreed to" i owed £800. Here is their email dated May 20th Dear ****** This is an AUTOMATED EMAIL. I am writing to confirm your agreement with one of our agents OR debt collection agencies regarding your ToothFairy Pay Day Loan*** in which you agreed to make the following payments: 31.05.13 - £800.00 Total payment of £800.00 to be paid by 31.05.13 to close this loan This agreement has now been noted on your permanent file. PLEASE NOTE: You can make payment in one of the following ways: - ONLINE: by visiting our website: http://www.northerndebtrecovery.com - BANK: you can make a transfer to our account or pay cash over the counter at your local bank using the following information: Barclays Banks A/c number: 13492192 Sort code: 20-95-61 Ref: 17357858 (please use 17357858 as the reference to ensure your payment is l ogged to your account. Not using a reference will delay us in being able to match your payment to your file and may delay us in crediting your account leading to you incurring additional charges and fees). If YOU fail to HONOUR this agreement, and do not pay as agreed, the following action may be taken: 1. FULL fees and charges will be added to your account, and any discount applied will be lost; 2. Full interest will be added retrospectively; and. 3. We reserve the right to instruct our solicitors to issue legal proceedings in the County Court (or Sheriff Court if you are in Scotland). If we are successful in obtaining a County Court Judgment (CCJ) or Scottish Decree we may make an application to the court for a Warrant of Execution or its Scottish equivalent. This will enable Bailiffs to come to your property and seize your property. This should be taken seriously. It is ESSENTIAL you honour the agreement you made You rs sincerely, DEBT MANAGER - Greg Campbell (257) NORTHERN DEBT RECOVERY 0843 381 0843 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. Northern Debt Recovery Limited (NDR) is a company registered in England and Wales whose registered address is Northern Debt Recovery Limited, 15 Lyndhurst Terrace, London, NW3 5QA, United Kingdom. Company registration number 6956396. Northern Debt Recovery Limited (NDR) is licensed by the Office of Fair Trading under Consumer Credit Licence number 631166 It must be noted that i called Toothfairy Finance, i was still on the phone to Toothfairy to a Greg, when i got this email from NDR....funny that. I decided i was going to attempt to pull £800 out my a** in two weeks to get these crooks off my back, however i did not with the lottery so on May 30th i replied: Hi, Following my loan default i am in the position where i am unable to repay the £800 you are requesting, even though i stated to you i am out of work and do not have a single penny of income at the moment. Can you please provide me with my options? Please note i will only accept correspondence in writing or email. ****** ***** On the same day i got the same day i got a similar email as before from toothfairy not NDR: Please remember that you agreed / are required to make payments to settle your ToothFairy Finance Ltd - ToothFairy Pay Day Loan*** to avoid further charges and debt recovery action. You are committed to paying GBP 800 by 31.05.2013. If you fail to honour this agreement and you ignore us your payment plan will fail and we reserve the right to take action to recover the full amount. We may also instruct Door Recovery Agents to visit your property to discuss your debt with you and the reasons for non-payment. If payment continues to be non-forthcoming, 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 we successfully obtain a County Court Jud gment (or Scottish Decree) we may then make further applications to the court for a Warrant of Execution or an Attachment of Earnings Order (or their Scottish equivalent). my response again was similar as they sent me a repeat email Hi, Following up from my email last night that i sent, which was as follows: Hi, Following my loan default i am in the position where i am unable to repay the £800 you are requesting, even though i stated to you i am out of work and do not have a single penny of income at the moment. Can you please provide me with my options? Please note i will only accept correspondence in writing or email. ************** Your opening line to the email you sent to me states that i "agreed" to the repayment of £800, I never agreed to that, what i said to your advisor was that i will try and get the money put together but i highly doubt it because of my situation. Demanding £800 off a person who has £1.37 in their bank with no income i would consider to be a ludicrous payment plan, so can you please email me with a suitable repayment plan that would better suit my situation. I will not speak over the phone as i want all our correspondence in writing. *********** However i was unable to respond to this email so had to submit the email to their contact us form on their website, i suppose this is where it gets lost for future evidence! So my advice would be to keep a copy. Anyway following that submission this was my their response: Dear ******, Thank you for your message passed to us from Toothfairy Finance. In order for us to be able to assist you please fax us as much of the below listed evidence as possible. Income and Expenditure form; Letter of termination/redundancy; Letter confirming receipt of Job Seekers Allowance; A copy of your P45 / P46; and A signed sickness certificate from your doctor indicating long term illness. We will take these documents into consideration when arranging your repayment plan, once your plan has been arranged we would like to assist you further by freezing all correspondence and charges on your account. Faxes can be received on 0203 137 0794 and will be processed. Yours sincerely, COLLECTIONS (129) NORTHERN DEBT RECOVERY 0843 381 0843 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. Northern Debt Recovery Limited (NDR) is a company registered in England and Wales whose registered address is Northern Debt Recovery Limited, 15 Lyndhurst Terrace, London, NW3 5QA, United Kingdom. Company registration number 6956396. Northern Debt Recovery Limited (NDR) is licensed by the Office of Fair Trading under Consumer Credit Licence number 631166. After this email i thought i was getting somewhere, couldnt believe my eyes they were offering to freeze interest and charges, too good to be true though. I worte back explaining i was a student so couldnt provide any of the documentation they asked for. Their response was: Dear ******* Thank you for your message. An income and expenditure form your can download from Google. If you are unable to pay in a one off payment, but you are willing to pay £150 per month starting from this month, we are prepared to FREEZE all interest and charges on your account. 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 from your debit card you previously provided us with. If you are unable to pay the above amount on a monthly basis, please confirm what amount you are able to make and we will consider your offer. If you have any questions please do not hesitate to call us on 0843 381 0843 Please note continued non-payment or refusal to come to an amicable agreement will result in your file being passed to Marshall Hoares Bailiffs who may come to your property to discuss your outstanding debt with you. Yours sincerely, COLLECTIONS (129) NORTHERN DEBT RECOVERY 0843 381 0843 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. Northern Debt Recovery Limited (NDR) is a company registered in England and Wales whose registered address is Northern Debt Recovery Limited, 15 Lyndhurst Terrace, London, NW3 5QA, United Kingdom. Company registration number 6956396. Northern Debt Recovery Limited (NDR) is licensed by the Office of Fair Trading under Consumer Credit Licence number 631166. At this point i was getting bored with the rubbish email correspondence so decided to spice things up by setting out my own terms, not sure if it was a good idea but i really couldnt care less to deal with crooks you have to be a bit of a crook. Hi, My expenditure is £811 pm with an income of £0pm....Also quite frankly i need you guys to justify the substantial fees you have added to my loan, considering that you are the same company as toothfairy you cant justify charging 100's of pounds to pass the debt from yourselves to yourselves, thats just a joke. 1) I am willing to make monthly payments as i start a new job soon, however it will not be or even close to £150 a month as i wont be able to afford that and live. 2) I will not be paying the £1000's you claim i owe, i will not pay your ridiculous fees and charges that are deemed unreasonable. 3) If you cant accept the above terms, i suggest you skip all the rubbish and take me to court. ******* ***** Well did not get a response to that however today got this email from Marshall Hoares Bailiffs BY LETTER AND EMAIL Online payment ID: 17357858 Outstanding amount: 832 Commence Proceedings Client: ToothFairy Finance Ltd - ToothFairy Pay Day Loan*** Client Ref: 17357858 Date: 11/06/2013 We write to inform you that we have not heard from you and that we have been instructed to commence active recovery procedures against you for the collection of the above arrears which remain outstanding. Full payment of the outstanding amount is hereby demanded within 7 days of this notice to prevent further recovery procedures commencing. Further recovery procedures which we will undertake are: -further letters and telephone calls to contact you at your home and place of work if you do not respond to us; -our agen t will make visits to your premises for the purpose of discussing your debt; and -we will gather all evidence and prepare your file for presentation to our Solicitors so that they can issue proceedings against you in your local County or Sheriff Court. Should you be unable to pay in full within 7 days, an instalment plan may be accepted depending on your financial circumstances. If you wish to pay by instalments you should contact one of our customer service operators as soon as possible on 08433811111. Yours faithfully Door Collections Marshall Hoares Bailiffs Telephone: 0843 381 1111 The content of this email should not be considered as an acceptance of any offer unless we previously review and expressly approve in writing your terms and conditions relating to the subject matter of this email. The information in this email is private and confidential. If you are not the intended recipient( s) or have otherwise received this email in error, please delete the email and inform the sender as soon as possible. This email may not be disclosed, used or copied by anyone other than the intended recipient(s). Any opinions, statements or comments contained in this email are not necessarily those of Marshall Hoares Bailiffs Limited. If you wish clarification of any matter, please request confirmation in writing. Marshall Hoares Bailiffs Limited is a company registered in England and Wales whose registered address is Marshall Hoares Bailiffs Limited, 15 Lyndhurst Terrace, London, NW3 5QA, United Kingdom. Company registration number 06871092. Marshall Hoares Bailiffs Limited is licensed by the Office of Fair Trading under Consumer Credit Licence number 631168. We take precautions to minimise the risk of this email containing a software virus but you should use virus checking software. which i responded: Hi, Dont for one second think that 'Bailiffs' in your name will scare me your nothing more than a debt collectors and have no authority to carry out bailiff activities. Anyone showing up at my door thinking they can without a licence will get a familiar treatment. Also Toothfairy Finance is not a 'Client' of yours but in fact your sister company, you are owned and ran by the same staff, i am not stupid. For this reason i do not believe you can justify charging the additional fees you have for passing the file to each other. As for your threats, they mean squat im afraid, - you can send all the phone calls, texts and letters to my home, ignoring is a talent of mine. As for sending it to my work, well good luck with that, if you were a responsible letter and got the reuqired documentation before giving out loans you would have seen that i have been a student for the past year without a working income, so again good luck with that. - Your agent can make visits to my premises, but again the door will be slammed in his/her face, they will have to go have a cup of tea with my old neighbour next door. - And as you can see i have asked you already to just take me to court, i would really really really love to see how you guys present yourselves in court and answer for your unjustifiable fees as well as your behaviour as a lender, it would make my day so please feel free to take me to court, because unless you agree to my terms which i have now emailed 3 times, you will not get a single penny from me, PROMISE YOU THAT!!. Have a good day ****** ***** If you have got this far in this post thank you for reading through, could you guys please give me advice as to what i should do next? I do agree i owe them money but as you can see i aint paying no £832 because the fees are a joke. Again thank you for reading this far and i look forward to your comments!

Hi all, I'm really hoping someone would see this and help me out I'm a 20 year old student and I stupidly took out a £300 loan with TOOTHFAIRY and I signed onto a DMP shortly after, agreeing to take £40 a month. At this point, I apparently had to pay £800. I paid them month by month and to this day I've paid them £310 and I am currently in the process of switching DMP's from Debt Advisory to Stepchange (because they're free) and I received an email from Toothfairy saying that I now needed to repay £1711!!!!!!!!!!!! Bear in mind I have kept up with payments consistently! The £40 has always gone through to them! I've logged a complaint with FOS and OFT but to be honest, they couldn't answer me straight when I asked if I would be dealing with this for the rest of my life if they don't accept any payment plans, they could keep charging interest. PLEASE help me, I start 2nd year of uni next month and this is making me very depressed, the constant emails and calls are very scary and the thought of it never going away frightens me so much!

hi does anyone know a valid email for toothfairy as i need to contact them but not over the phone.thanks.

Hi i've just had a voicemail from MHB the pretend bailiffs to my office phone number. I am absolutely fuming, surely they are not allowed to just contact me at work? God knows how they got my number, I'm guessing switchboard put them through. I blocked their phone number on my mobile due to the incessant texts and phonecalls and now they dare to call my office. Are they allowed to do this? I do not want to pick up the phone expecting a legitimate business call only to hear these jokers on the other end. Could potentially be embarrassing if my co-workers realize what is going on. I have already complained to the FOS and the OFT about these jokers, is it worth recording the voicemail and sending as further evidence?

Been stuck in a little bit of a toothfairy wrangle (my god I wish I googled them first)... I've actually used the company quite a lot and because I've never had a problem paying back all has been good. Took out a £400 at the end of June but then in the first weeks of July unfortunately circumstances changed where we had £800 of unexpected bills with the car ... We had a couple of PDL's going so I rang them all straight away being honest and actually got some great responses to where I have come to perfectly reasonable deals, apart from Toothfairy. Toothfairy's stance from the outset was to change from the happy you are an amazing customer to pretty nasty straight away and told me that it's ok I had until the 24th August to pay, I told them that this wouldn't be able to happen as it'll take me a couple of months to get fully back on track so the earliest I could pay was the last working day of October. Obviously they ignored me totally and the debt started to rack up, got the usual texts and emails saying it is overdue, so I speak to the national debtline to get some advice and decided to call to try to come to a deal again. Speak to NDR who get toothfairy to send me an email saying that Payment plans can be available. Call fairy and explain to the manager that my circumstances have changed a, and she said to fax over the details and they'll look into it, it cannot be emailed as they do not have an email address... of course when I go to check if they recieved the fax, it hasn't arrived. When finding out it 'hasn't arrived' I call up to complain, get a really angry South African guy shouting down the phone about how I shouldn't have taken out a loan if I couldn't afford it, i had to pay by the 24th August or the bill (which by this point will be £656 - which I can accept) will go up to a massive amount and £350 will be added on if it goes to their collection agency NDR, I inform him that I just recieved a letter from Toothfairy legal team that the debt was supposed to go over on 17.08.13 and that I am not happy, he tells me the balance when it goes over to NDR would be £1002. Ironically during the phone call I check my email and one pops up saying that it will be passed over on 24.08.13, the guy on the phone continues to be rude and I say i'll speak to NDR. NDR can't talk about it because it hasn't been passed over yet but can knock 'hundreds' off the £1002 that has been quoted if its paid quickly. I complain to the financial ombudsman about the general attitude of the company and how I'm disgusted that they say they have procedures for if you have a financial difficulty but don't actually follow them up. On the 20th i get a voicemail from Marshall Hoares Baliffs, when calling them back they apologise for calling me which I tell them they should be apologising because it hasn't even gone to NDR yet! I speak to toothfairy to get a call back from a manager, which never happens. Yesterday is when it all got very very dodgy... I call toothfairy again to complain about a baliff calling me, get the same south african guy who decides to start having a go at me again, i tell him very specifically I will not be speaking about the debt on the phone and need the correct address for the company... So he starts to tell me that it's my own fault i'm in this problem and that I shouldn't be taking out loans if I can't afford them (at the time I could), I get fed up and ask to speak to his manager. He suddenly has the address ready, I take down the address and tell him that I still need to discuss his attitude with his manager because at current I am still a toothfairy customer... No managers are available and all are in a meeting (that could last forever by the sounds of it). I decide to then call NDR again to see if I can come to an early solution... definately calling the correct number and having to listen to the opening NDR intro guess who answers the phone The same south african guy who makes the mistake of saying 'Is that Craig, i'm calling you from Toothfairy i am one of the managers' If you are going to try to lie make sure you have a voice that isn't easily distinguishable! Tell him that I'm glad they record phone conversations so i'll be asking for these back and if he tries to delete it I have a record of the numbers i've called including call times. I've looked at the contract and it does say charges of £350 will be applied after 56 days, but now finding out it's exactly the same people (literally!) is there a way to fight this crazy charge. £200 is to NDR and £150 is solicitors fees.

Hi, I am having problems with Payday Loans i owe, however the biggest problem before I tackle the others is Toothfairy. I borrowed £400, they now want £934 and ARE THREATENING all sorts of people coming to the house, but from northern debt recovery which are the same company? I have listed below details, can anyone help me here, I'm not paying £934 back! Total payments I have made against the £400 (which was £544 with interest) is £294 so I owe £260? how do I tackle this, they are awful people. Tooth Fairy I took out a loan on 16.04.12 for £400 and I was going to pay back £544 on 15.05.12. Couldn’t make the payment, however I did make the following payments and had the following additional charges added on; 16.05.12 £72.00 Payment Made to TF Then on 20.05.12 I got a email and letter from Northern Debt Recovery saying that they had added £150 to the loan as I was in default. 23.05.12 £50.00 Payment Made to TF 25.05.12 – they then added on the following charges Loan and Interest £688 Recovery Fees £200 Repayments to date £126 Total £572 30.05.12 I send them an email to say I cannot pay anything until I get paid on 15.06.12. 01.06.12 I get these from TF You currently owe: Loan and Interest GBP 688 Missed Payment Fee 1 (day 29) GBP 10 NDR Accept Case File GBP 200 Missed Payment Fee 2 (day 43) GBP 10 Solicitors - Case Preparation GBP 150 Repayments todate GBP 126 Total GBP 932 Please note 1. Door Agents have been dispatched 2. Solicitors have been briefed 3. Bailiffs have been informed Judgement will be sought and a Warrant of Execution to seize goods/obtain an attachment of earnings. 06.06.12 I pay £172 29.07.12 I get an email saying I owe £934 to them THANK YOU.

Just thought i would share to you that i noticed Toothfairy have a new looking website! https://www.toothfairyfinance.com/

All their related websites are down. Have the OFT finally acted on these muppets? https://www.toothfairyfinance.com/ https://www.northerndebtrecovery.com/

I've just got home from work to a letter pushed through the door from GPB solicitors regarding a debt that i have had with Toothfairy finance. The client name on the letter is Northern Debt Recovery Ltd and Toothfairy is listed as the creditor. Basically, GPB are saying that they have been instructed to recover the sum of £919.00 from me. The letter is dated 04 April 2013. They have said in the letter failure for me to pay up "could leave us with no alternative other than to take legal action against you" I have had a loan with toothfairy in the past, but it was in the summer (july) of 2011. I have checked through all of my contracts that they emailed me and my reference numbers on those matches the client reference on the letter that i have received. The contract says that i borrowed £400. Slightly confused by this letter as in my mind i had paid this off a long time ago. I have logged into my internet banking and checked my statements. Toothfairy deposited £400 into my account on 14/07/11 They then took out of my account £72 on 02/08/2011 Then a further £315 on 31/08/2011 And then nothing after that. This means that i owe them the grand total of £13 Just wondering if anyone has any advise on what i should do about this letter?.. clearly there is no way they are getting £919 from me when i owe them £13 from a debt almost 2 years ago. GPB's website is gpblitigation.co.uk

Hello I have a serious problem with a company called Toothfairy finance, I need some really good sound advice on this! On 1st June 2011 when i was a student, I needed emergency funds. So i Googled "payday loans" being a student and having poor credit I didn't actually think I would be accepted, So when I applied for a £200 loan with TF I was really surprised that I was accepted, Straight away too!! I understood the interest charges stood at £9 per week for every £100 taken out with them! So, come the next two weeks when I was due to pay it off, I had a serious problem with my car, I needed to pay for this ASAP. So I called TF up and explained my problem, All I remember (as it was nearly 2 years ago) was that they were rude, nasty and didn't want to help. So i ended up putting the phone down on them, and thinking I could pay whatever i could find off. So for a few months this is what I did, I paid off bits and bobs. I heard nothing from the company for months on end! Not until i moved back home in the NEXT YEAR. All of a sudden my account was over £1000. I was stunned. So I called them, I asked questions and I told them I simply could not afford to pay this back. In the end I was bullied into excepting 10 monthly payments of £100. I paid my first £100 and then realized this was really too much! It was leaving me without food every month. So i called and again got horrible treatment. So i cancelled my DD and I didn't contact them again. It's not April 2013, and myself and my partner are looking to buy a house. So i checked on my credit file just to see what was what. It turns out I know owe £2104. By the way, This isn't just interest, These charges are apparent recovery fees? So I called them, And it appears their customer service is as bad as it always was. I got told from this women that i needed to pay the outstanding amount right away. Like i have that money laying around!! So i explained, I tried sticking to my guns and said i was willing to pay the origainl amount of £200 plus some interest but not that amount of money! She then asked if i Had £400 today, I said i don't have £4 let alone £400 to give to you!! But if I did she would have happily closed my account. I couldn't understand it? Why couldn't she reduce the account to £400 and let me pay it off in installments? Anyway, again like 2 years ago I was rail roaded into another payment plan with them. £50 a month for 16 months. This is still too much for me, I really do not want to pay them back £800. I have contacted the FOS who have assured me i have a complaint against them. The FOS have wrote to them, and have wrote to me so now I have to wait 8 weeks. BUT TF DO NOT HAVE MY NEW ADDRESS or my new mobile number because I cannot handle the threatening emails they send me! So how do I go about getting them off my credit file altogether? Does anybody think actually getting the FOS involved will help? Or am i just going to have to pay them back £800 for a £200 loan PLEASE HELP Becci x

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.

Do not take a loan from Toothfairy Finance. These people are (Edit) They make it difficult for you to contact them, they do not send you any contract, they do not send you a reminder. They very quick to start threatening you with legal action, and phone you up and threaten to come to your house to collect the money. I repaid my loan of £400, which became £616, the next working day, after the repayment date. Too late they said, and i now owe them £1048. They phone you up, and threatened me. They start taking extra fine money from out of my account. I am now having to change my bank account, to stop them from taking money out of my account, without my permission. If you want a loan, you are much better off going to Wonga, or UK Payday, i have found them to be good, no problems. This Toothfairy bunch are rotten, do not do any business with them. Also, do not go anywhere near Smile Finance, or My Loans, they also help themselves to money from your account, and they do not answer their phones, or answer emails. But they do answer the phone, when the bank calls. So get your bank to call them, or ask your bank to reverse the charges.

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

Hi to everyone I took out loan 400 pound from paycheckcredit which is MCO capital November 2011 i rolled over couple off times end up my job gone. I tried despite to contact them for repayment plan but they never accepted.So usual things was happen everyday lots of mail text phone call but i didnt answer and i sent their email address i want everything in writing.Still no reply by the time every months i paid their account 1 pound. My outstanding balance right now around 3000 K. The thing is last night when i checked my credit file i saw there is a default by Toothfairy and outstanding balance 2800 pound. Right now i am so confuse because i took out this loan from paychekcredit which is MCO capital.Does anyone know how come toothfairy defaulted my credit file and do they have relationship with MCO even they have got different licence. Thanks in advance

Hey all Without wanting to go into a long and embarrassing tale of how I got to where I am, i have managed to fight my way back from the brink and get rid of nearly all of my 10+ payday loans (3 more are being cleared this week alone!) But there is one not playing ball at all, and surprise surprise its Toothfairy. After a LOT of digging I finally found the way to contact them via email here is the email I sent, their reply and my reply. Any advice on where to go from here would be much appreciated, I am expecting them to come back and reject my offer so any tips would be great.... Do you think iv made an acceptable offer? Dear Sirs I am trying to track down the details of this account I would like to discuss this account via email only, and with that in mind could you kindly provide me with a the following 1. Copy of original credit agreement 2. Breakdown of the account, including fees, charges and total amount now due. 3. Repayment plan options. This was the reply...... Dear Thank you for your message passed to us from Toothfairy Finance. Principal £100.00 Interest todate £744 Charges todate £640 Repayments todate -£24 Total Outstanding £1460 Next Due Date 29.09.12 If you are unable to pay in a one off payment, but you are willing to pay £150 per month starting from this month, we are prepared to FREEZE all interest and charges. Please confirm which offer is accepted by you, 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 1111. Failure to make a payment will lead to ground recovery agents being dispatched to all addresses on file and if no agreement can be reached, proceedings will commence against you in your local county court. Yours Faithfully Door Collections Marshall Hoares Bailiffs After stalking this forum I sent this reply....... Dear Thank you for your email. I understand the original loan was for £100, to be paid 28 days later. This would add on interest of £36 (as per your flat rate of £9 per week, as stated on the toothfairy) I would make an offer of a full and final settlement of £176 (original loan amount, plus interest, a fair amount for charges, less £24 already paid) paid over 3 instalments. 1st payment of £58.67 would be 1st November 2012 (as I have already been paid all money has been allocated until next pay day). Kindly confirm that this is acceptable? So what do we think? H

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

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

Hi guys, new here so will quickly tell you about my situation, last year I took out some PDLs and couldn't afford to pay them all back, including a £200 loan with Toothfairy. Iv had countless letters from TF, MH and NDR demanding over £1000! Iv offered to pay back the original loan amount with a couple of months interest but they are saying they can only reduce the fee a bit, they are still adding interest. I got an email today from NDR I contacted toothfairy today and received an email from MH so they are clearly all the same company... Here is part of the email I received today, any advice welcome! You currently owe £1460. You agreed to repay your short term loan within 14 days. Payday loans can become expensive if you do not keep to the terms and conditions that you agreed to when you took out your loan. Please note that as you borrowed £200, you are being charged £36 every 14 days. This is CLEARLY STATED in the terms and conditions YOU agreed to. YOU agreed to the terms and conditions with your double digital signature by way of entering your email address in twice then clicking \'I accept and agree to the terms and conditions\'. The terms and conditions that you agreed to are legally binding under The Consumer Credit Act 1974. Please remember that your original loan was for 14- 28 days ONLY. Here is a COMPLETE breakdown of your account to-date with ALL the dates and the amount of ALL charges: 26.08.11 Issue LOAN £200.00 – 27.08.11 Charge Interest-1 £36 – 10.09.11 Charge Interest-2 £36 – 23.09.11 Payment -£36 24.09.11 Charge Interest-3 £36 – 08.10.11 Charge Interest-4 £36 – 08.10.11 Charge Missed Payment Fee 2 (day 43) £10 08.10.11 Charge NDR Recovery Fee £350 22.10.11 Charge Interest-5 £36 – 05.11.11 Charge Interest-6 £36 – 19.11.11 Charge Interest-7 £36 – 03.12.11 Charge Interest-8 £36 – 17.12.11 Charge Interest-9 £36 – 31.12.11 Charge Interest-10 £36 – 14.01.12 Charge Interest-11 £36 – 28.01.12 Charge Interest-12 £36 – 11.02.12 Charge Interest-13 £36 – 25.02.12 Charge Interest-14 £36 – 10.03.12 Charge Interest-15 £36 – 24.03.12 Charge Interest-16 £36 – 07.04.12 Charge Interest-17 £36 – 21.04.12 Charge Interest-18 £36 – 05.05.12 Charge Interest-19 £36 – 19.05.12 Charge Interest-20 £36 – 02.06.12 Charge Interest-21 £36 – 16.06.12 Charge Interest-22 £36 – 30.06.12 Charge Interest-23 £36 – 14.07.12 Charge Interest-24 £36 – 28.07.12 Charge Interest-25 £36 – 11.08.12 Charge Interest-26 £36 –

Hi, I took a loan for £400 out with Toothfairy in September (I had taken numerous before and reloaned but had enough of wasting money etc...). I am now trying to sort this mess out and almost there except for this terrible company. I have paid back £400 so far. The original total amount to pay back was £472. Though it's very late paying it back I have given this company so much already I just want to pay them another £72 to close it and be done with it. The problem is they are saying their fees are adding up to another £850 on top of the amount I have already paid and Marshall Hoares are calling and emailing a few times a day. What I want to know is if I pay Toothfairy £72 and ignore them from now on can they pursue me for the rest of the unrealistic they have added on? Any advice would really help as I'm nervous they will pursue it to court or add on an enormous amount of extra fees. Thanks

I've been looking at other posts for advice, I just joined here. . I've taken out loans before with wonga and quickquid and paid back fine. . then I had some issues and took out a loan with toothfairy finance (£200) and minicredit (£100) wonga and quickquid have agreed to repayment plans.. so each week I give wonga £10.27 and quickquid £25, I didn't really wanna argue as they were really understanding and I actually had a different repayment plan with quickquid and forgot to pay so they gave me another chance really, also they only charged me £12 late payment the first time and didn't go crazy like the other loans. my main issue is toothfairy finance. I'm 20 and work in a bar, my hours got cut to 10 hours a week, which means i'm getting £40-£50 a week.. I need to live somehow and also I visit my sick dad weekly, who was in hospital for a year due to having a cardiac arrest due to I believe a mess up with the aenesthetic(cant spell) team so there is now an investigation into it as he was in a coma for 3 months, is now brain damaged, I was already a little depressed before this happened but got worse and I clearly got out of control on taking out loans. A couple of days before TFF was due I called them up (i already deferred it before) and explained to them my situation that I couldn't pay and wanted a repayment plan.. They said no, then the time came and I started getting the northern debt recovery texts.. I called again, He told me that it wasn't actually due until 31st December (I called start of December thinking it was due near that time) even though I knew I probably still wouldn't have the money I was still getting texts saying my loan was due even though the guy said it wasn't, but it doesn't really matter because regardless I couldn't pay it. I owe £272. That is all I will pay when I get the money but obviously I'm sure you are all aware of their charges, it's now £688 or something ridiculous. TFF don't wanna know and tell me to contact nothern debt recovery, I don't want to speak with them on the phone because they're not gonna help are they? I'm getting emails like "we're trying to contact you to sort out a repayment plan" but that's obviously the £688 they want not £272! So I'm gonna send a letter, but they probably won't read it? I don't really know what to write though. At most I will pay £5 a week, as I am already paying out £35 a week. I am looking for another job obviously, I wasn't aware my hours were gonna be dropped but there isn't much I can do, I didn't sign a contract at this pub or anything. My main issue is the threats about coming to my house, which is my mums house. I don't want her involved and trying to come into the house. I don't have anything valuble anyway lol but they don't have a right anyway. Also I don't want them going to my work, I think I gave a false number, and only the brewery name, there are a few pubs on the road with the same brewery. Can someone actually tell me if they have ever went to someone's house. I live in Bedfordshire, will they actually travel here? and will they go to my work? As for taking me to court, I'm not bothered, I am willing to pay what I owe (£272) but I can't possibly do it now. The court will see i'm trying and I can get a doctors note for my depression and trouble with my dad, and also proof my hours dropped and I've been trying to get another job. I know I made a stupid mistake and I'm trying to fix it! My main concerns are I don't want them threatening my mum who isn't very well herself (stress) esp when i'm not there. . I keep getting texts of NDR saying in 3 days they will pass it on to marshall ballifs or something who I believe aren't real ballifs? I'm also having a similiar issue with minicredit, called up about repayment plan and said to me the only way for me to do a repayment plan is if I end up paying 400 in total (weekly) asked why.. because it's future charges.. I said no obviously.. I owed 130 which is now 260, I know this is kinda off topic. So any help will be appreciated, I wish I found this forum before hand. How should I write my letter and what to do about NDR??

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