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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Toothfairy Finance - I Need Help

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Dear All,


This is the first thread I have started. I have a big problem resulting from a £100 loan I took out from Toothfairy Finance. The wages department at work screwed up at the start of April and I am due a big payout tomorrow. In the meantime I told Toothfairy Finance I was unable to pay them £136 and asked if I could delay for 4 weeks and incur 4 extra weekly charges of £9 each. I did not get a reply from them.


Since then they have:


1. Called my home number on a daily basis leaving information regarding who they are and my private account with them, that is that I have an outstanding loan and how much it was for leaving the information open to third parties.


2. Sent me various emails each day telling me that they are adding fines to my loan.


3. Threatened me with bailiffs and BANKRUPTCY - for a £100 loan? I dont think so. They also said they would send bailiffs to all known addresses to collect goods up to 9 times the value of the debt.


4. Told me they have passed my file to a Solicitor and they are charging me £150 for this to be done. I have not heard from any solicitor or any debt collection agency (West Yorkshire Security Debt Collections) whom they say they have also consulted with.


They have offered me no chance to make a fair payment which would be £172 (the original £100 and 8 weekly charges of £9).


Nowhere in the agreement I "ticked" when I signed up for a loan does it state about late fees or solicitors fees or how much these would be.


Can anyone offer any advice??? I have tried to correspond with them politely and calmly and I am certainly no fool. I know that they cant do these things under the guidance for debt collection from the OFT and their actions and words so far could jeopardise their licence.


Any takers?? Will realllly appreciate the help.


Cheers guys,



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Usual bluster from these companies.


Personally I would wait for the DCA to get involved and negotiate with them direct, in the meantime you can send/email them the standard letter regarding Telphone Harrassment and mention Data Protection while you are at it.


As you may have seen on other threads I had four of these things and negotiated easily and succesfully with three of them "Pounds Till Payday" are refusing to accept a part payment and/or enter a payment plan.


I will wait for their DCA (Clarity) to get in touch.

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Im just worried as they are already demanding that I owe over £320 for my £100 loan 8 weeks ago. If anyone else can share some info with me specifically regarding Toothfairy please let me know

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I had a similar problem with the same company. I took a £200 loan from them and didn't hear anything back from them for ages to let me know when i had to pay them back and how to pay them back. I emailed them and queried this and didn't hear back from them for ages. about a week later i received an e-mail saying i owed £440. I was not happy about this so contacted them on the number at the bottom of the email (08007569435). I explained the situation and that i wasn't happy at all. they said that there was nothing they could do and that it was up to me to pay back the money and 'apparently' they had sent out an email when the payment was due, which i never received. i explained that i would pay the amount of £440 today but i was not happy and would like the contact details of their complaints department and the name of the person i was talking to. straight away he said, 'let me just go and speak to my manager and i'll see what i can do'. within less than a couple of seconds he was back (which made me think he hadn't spoken with anyone) and he said that he would only charge me for the four weeks at £9 and not the extra. maybe you should try contacting them and explain that you would like their complaints contact details. it worked for me. i think this company is not very professional and do not know what they are actually doing. hope this helps a bit. good luck in solving it. their robbing bastards!!!!

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  • 3 weeks later...

Out of sheer curiosity I attempted the SMS loan on Tooth Fairy site and I never had a response.


So it seems they either harass you and take all your money or don't bother to respond at all.

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  • 2 weeks later...

Well its been some weeks that I offered to pay the £100 back + the £9 for each week that I had it and got no response. Now theyve sent this:




1.West Yorkshire Security are about to visit you at ALL addresses we have on file for you. They will be looking to take payment for the balance that you owe. This will include Legal fees, Recovery fees and Full Interest. They will keep visiting until payments are received.

2.Edwards Abrams Doherty Solicitors are in the process of successfully obtaining a County Court Judgement against you. This will be followed by Certified Court Bailiffs seizing goods at EVERY address we have on file for you. This will include all family homes. You will recieve correspondance from them and the County Courts. Please note that Bailiffs will seize goods at 9 times the value of what you owe(including court fees). These goods willl then be sold at public auction.

3.We are about to send your file to the Credit Reference Agencies also. This will make it very difficult for you to obtain ANY credit in the future.

4.Please also note that the amount you now owe will allow us to start Bankruptcy proceedings against you. Should the above prove unsuccessful we will make you Bankrupt.

Fees have been incurred by you and the size of the debt is constantly rising. We will not go away until the debt has been paid and it will only get bigger. Ultimately we will recoup what is owed.

Sales Team Tooth Fairy Finance Ltd (JT)

t: 0800 756 9435

What are we thinking now?

£100 loan now more than enough to bankrupt me? What would they gain from this?

West Yorkshire Security offer nothing to do with Debt Collection

Whoever that Solicitors are, I havent heard from them nor have I received any court papers with an amount that I owe yet this amount is constantly growing?

I wish theyd stop with the pointless crap and just offer me an amount to pay and allow me to pay this to them and it be gone with!!!!!!!!!! IT makes no sense. Until I receive correspondence from these people that says that I owe X amount for whatever reason and that paying X amount will clear the debt I have with them theyre getting NOTHING;

What do we all think>?

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So i got a reply from them

at 11:45pm

Professional indeed.


One mention of the words Citizens Advice and I get this reply:


Mr ******,

Our Solicitors are Edwards Abrams Doherty and they are in the process of obtaining a CCJ against you. We have been in business long enough to know our rights and responsibilities. We recommend you pay the undisputed amount of what you owe (£172) or we will be within our rights to add all the interest that we have frozen until now.


Kind regards



Sales Team Tooth Fairy Finance Ltd (JT)

t: 0800 756 9435


I will hapilly pay my £172 and be gone with them - thank you all for your help and please take this as a warning to not use them

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It may sound crazy, but some lenders actually want to keep you in debt. I mean, it's not like you are going to take a loan again with Tooth Fairy Finance after this experience. So perhaps once they have your money and ruined the relationship, they may as well keep your money, right?


Ultimately, it seems clear that Tooth Fairy Finance doesn't really want to make it easy for people to repay.

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  • 1 month later...

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1


Never Sign Anything


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Please, please contact your local trading standards office and also the OFT.


You can do this by telephoning 08454 04 05 06

Their website for further details is:


Consumer Direct

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read


1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.


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  • 3 weeks later...

Having taken out a £200 loan with Toothfairy I was pleasantly surprised with the speed and ease of the loan and service until like others I found myself unable to pay it back, not because I didnt have the money but because although they state in their FAQs 'the day before the loan expires we will send you a reminder with our bank details etc' or something to that effect, i received no email. I knew that it was due, but despite emails to the company I had no bank details and was therefore racking up the late charges!


Eventually they made contact with me last week, with a phone call threatening third party debt collection etc... well eventually I was relieved that I at least could speak to someone! Fortunately having read some of the posts on here I took a very firm approach with them (something I'm not normally very good at) and argued my case. At first the guy (Sebastian) was adamant it was my fault etc, he was pretty unprofessional to the point that when I said it was the first time i'd used them, he replied 'you've never used me!'.... I the asked for his name etc and asked to be put through to somebody more senior. I was promptly passed over and 'Gary' said they would waiver the late fees as there had obvioulsy been a problem with their automated computer system that sends out the text reminders.... Cowboys!! Clearly this is something they do to make more money???


In the end I argued that on the website the account details of where people should pay back their loans should be displayed.


I also mentioned the negative remarks that can be found on the internet about the company and if they cared about their reputation they would do something about it!


Today I was pleased to see that the website has changed and the account details are displayed under the FAQ section!


I was lucky not to have to pay the full amount they were demanding and I hope that others can benefit from the changes to the website!

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  • 3 weeks later...

Please be assured that this is a valid post from EAD Solicitors.


All clients of Tooth Fairy Finance or any of their associated companies will shortly receive correspondence from Tooth Fairy to confirm that EAD Solicitors LLP, wrongly referred to as Edwards Abrams Doherty, have not at any time been instructed in connection with these matters.


The letter or email you received originally was sent without EAD's knowledge and consent. EAD Solicitors LLP are not involved with the enforcement of your debt and never have been and have no association with Tooth Fairy Finance or any of its associated companies.


Please feel free to contact me directly at [email protected] for further clarification. Please quote Tooth Fairy Finance as your reference.

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Right, you just need to visit the website and (i think) in the FAQ section you will find their bank details. All you need to do is take the money, go to the bank and ask to pay the money into that account. :) Remember to use your mobile number as the reference so they know it's you who has paid.

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  • 2 months later...

Hi, I took out a similar loan with toothfairy. Couldnt make repayment so incurred alot of 'Fines' and 134 phone calls demanding payment and other such threats. I have just spoken to one guy who, after i addressed him for his aggressive tone and attitude, was very helpful.


It is now agreed that i'll pay a 'good will' payment of around £100 to freeze my loan this will be deducted from my full loan amount and then I will be discussing a payment scheme for the next two months where im making a small payment to show my commitment to the debt and then paying it off in full when i recieve my student loan in January.


Dont take this as me being TF's number one fan. I am far from it, their scare tactics and disgusting attitude towards young adults such as myself are outrageous. I just think I have stumbled across the good egg of the company willing to listen to plight of my situation.


Maybe this is the way for those people who are not too deep into it yet.


I'll just be glad of the day i finally get them off my back



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  • 2 weeks later...

I saw that,when he was told that if you googled Tooth Fairy Finance all that that up came were numerous complaints about fines 'charges and threats of court action,i think he replied there are some irresponsible forums where people state how much money they had managed claim back and not to use them.Made me chuckle.

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So guys,

Ive had it with the threats and the random figures they have been spitting out about how much I owe them. Once again I have had a final demand to pay XXX.XX for a loan which was for £100.00


In fact, I had one email from Toothfairy themselves at 8am saying I owed one amount but by the time NDR contacted me 3 hours later I owed them £91.00 more!


So theyve said that I either pay the full outstanding balance (which is close to £800) on a monthly basis at £100 per month,


or I can pay a settlement figure of £350.00 in the next 6 days... I cant pull that amount out of my *ss


I am not interested in doing either of these things for a £100 loan. So the court is my only way to go but I need your help!


Firstly, I want to request the balance that I owe as a full statement with the exact costs and how they are calculated. Is there a template on here that allows me to do that?


Also I want to counterclaim for harassment based on their communications with me over the last few months to include several different email addresses and most recently, my facebook account. Do you think I have the grounds to do this?


Finally I want to write to them asking for a copy of the original agreement I signed with TFF. Is there a template anywhere on this forum I can modify to do this?


Have I left anything out? I really feel like I am out of my depth in the vast information available on here and really need guidance.


Any help will be greatly appreciated.


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