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Help - Toothfairy Finance

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I had a loan with this company and re-paid in full on the required date.


I re-applied to be told I was declined a new loan, fine so I left alone.


Subsequently I went on Holiday for a fortnight. I have come back to find I had been approved even though I did not re-apply, and they had deposited the funds. There is a cancellation policy of 14 days, but coming back to work I am beyond the 14 days.


The point is they deposited the funds and payment is required mid month, and I do not get paid til the end of the month. They know this cos of the date I repaid the original loan


Looks like they want me to fail on re-payment and so charges can be applied?


I have not used their money and did write to them with no reply, the payment is due quite soon


Any help????? :confused:

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If you didnt sign a credit agreement for this loan they havnt lent you the money they have given it to you.


they can not charge interest or add any other charges to it.


email them and offer to pay the loan monies only back in full if they insist on more demand a copy of the credit agreement

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