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    • If you are flying away tomorrow (or rather this) morning I'd just forget about complaining to the police now.  As BF said earlier it's probably just a waste of your time anyway so I wouldn't worry about it.  Forget it for now.  Have a safe flight and concentrate on your other thread against Aviva.
    • I'm afraid you won't get a complaint drafted before tomorrow morning - and I think most others here think it would be a waste of time anyway and that the police decision won't change.  I would ask for a review and make a complaint on principle, but I suspect you are better off concentrating your effort on your other thread and direct complaint against Aviva.   Unless you are out of the country for an extended period I'd wait until your return before considering futrther whwther to complain about the police.   [ By the way, just so that you don't mislead yourself as it's a mistake many people make, ALL agreements are "verbal" in that they are composed of words.  Some agreements are in writing and others are oral, spoken or vocal.  The law recognises oral or spoken agreements just as much as ones that are written down.  The only practical difference is that oral agreements can be difficult to prove in a dispute]
    • Just to add there is a scheme called the Victim's Right to Review.  It basically applies to decisions made by the CPS not to go ahead with a prosecution.  It doesn't apply to decisions made by local police forces, but it does say:   19.  Decisions that are not eligible for VRR include: ... iii where the police or other investigator exercises their independent discretion not to investigate or not to investigate a case further (whether in consultation with the CPS or not) and the CPS have not been requested / have been unable to make a final decision to charge. Requests for review of such decisions should instead be addressed to the relevant police force/other investigator; [My bold] Victims' Right to Review Scheme | The Crown Prosecution Service WWW.CPS.GOV.UK   I'm not familiar with the scheme so can't advise - but other posters here may know about it or have experience of it.  You need to read the above link but note that it talks about things that seem to fit your situation.   eg a victim is defined as ‘a person who has made an allegation that they have suffered harm, including physical, mental or emotional harm or economic loss which was directly caused by criminal conduct’.   If you have not already requested that the police review their decision not to pass the case onto the CPS, then I would do so.  If you are not happy with the outcome of that, complain.   I can't advise you definitely to go ahead and ask for a review or complain, but if I were in your situation that is what I would do.  But I tend to agree with BankFodder that you'll get nowhere and, if you are sick and tired of all this and just want it to go away, then just drop the police.  However, if you don't try...   [Apologies for the italic typeface/font - it's the above link causing it.  The italics should have stopped at the end of the third para above ending ' ... criminal conduct'.  I can't change it.  Very annoying]
    • @Manxman in exile I eloped to get with my husband si my husband and siblings never sat together in the same room .   Hes claiming a verbal agreement was made but a verbal agreement doesn't hold any water in the eyes of the law..no agreement was made I was in Leeds with my toddler.    He has made use of the policy , had the luxury of the insurance and reversed the money back and now Aviva are coming after me.   You've summed it up well is there anyone in the group that can help me draft the complaint to the police as I'm flying out first thing tomorrow and my head is all over the place.   My husband me Mr z , my late father and eldest brother were at this meeting supposedly when the verbal agreement was made but yet the officer took a statement off the eldest brother and didn't take it off the husband and based the final decision on the eldest brothers statement and Mr Z and all other evidence which is in written form has been completely dismissed    I'm fighting it all alone coming from an Asian background I am getting taunts and salt is bring rubbed on my wounds its not been a pleasant experience yo say the least trying to prove my innocence and having to listen to the b******* being spouted out by everyone whilst Mr Z is walking away not guilty 
    • I would complain to the police - even if I thought it would go nowhere.  I can't see that you have anything to lose.   I can't tell you the grounds of your complaint because I don't know the details of everything that has happened (you know better than I do)  and because I've found much of the story too difficult to follow.     But - based on everything you have told us - it seems to me that your brother has clearly committed fraud by obtaining the benefit of an insurance policy by falsely misrepresenting that he was opening the policy on your behalf and also by falsely misrepresenting himself - or a third party - as being your husband.  If your brother could not have taken out that policy without making those misrepresentations, then he has committed fraud.  It doesn't matter whether the victim was Aviva or you  and it doesn't matter if the victim realises they've been defrauded or not - the police should investigate it properly.  In this case you are the ultimate victim of the fraud because Aviva are saying that you owe them for the premiums on the policy your brother fraudulently took out, so whether Aviva consider they were the victims of fraud or not is irrelevant - they don't care because you end up as the fall guy.  Point out that this may have ended in a civil dispute over a debt between you and Aviva, but that that debt directly arises as a result of your brother's fraud in claiming to be acting on your behalf and by impersonating your brother.   One of the reasons the police seem to have dropped this case (and this needs to be one of your main grounds of complaint I think) is that they have accepted without question your brother's statement that your husband was somehow involved or in some way agreed to your brother taking this policy out in your name, and the police have simply and uncritically accepted your brother's word on that without ever speaking to your husband, who would vigourously deny it.    (I can't make any better suggestion than that because, to be honest, I don't follow what has happened.  If you never authorised your brother to open this insurance policy at all then I don't understand why the police would place any importance at all on your husband being present at a meeting with your brother.  What did your husband's presence have to do with the insurance policy?  Even if he had been at such meeting (which you say he denies) then how could he authorise anything on your behalf?  None of it makes any sense to me and I can't see why the police would think it did.)   Challenge the police to explain to you why they believe there is insufficient evidence to pass this on to the CPS   I would follow the published complaints procedure of the police force in question and I would also send a copy to your local Police and Crime Commissioner.   I think the main problem here is that (despite what the nice woman PC may have suggested to you) the police have never considered you to be the victim.  You need to demonstrate to them via your complaint that you are the victim here.   One other question: is your husband and are your family supporting you through this, or are you going it alone?
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Toothfairy Finance/NDR/Marshall Hoare queries **


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Hi,

 

I've been following this site for a while as I'm currently going through a bit of financial realignment in my life. I liked the look of it because most the responses on Money Saving Expert seemed to be along the lines of "I told you so - you deal with it!", whereas these actually seemed informed and not judgemental.

 

Foolishly I had nine payday loans and the continual rolling, reloaning etc all got a bit too much for me - a lesson lived is a lesson learnt and all that. I contacted Debt Line (I should have used CCCS in hindsight) who arranged my payment plan with the creditors - currently it all seems to be going to plan with the creditors (some of who I expected real nastiness from) except for Toothfairy Finance.

 

I took a loan of £200 for a month (£276 with interest) and defaulted - the debt has now been upped to £760 since they "passed it on" to Northern Debt Recovery. After a bit of research on here and other sites I continued to question every email they sent me and they continue to tell me that all their charges are legal and proportionate and that anything that I have read including the OFT are not accurate and should not be trusted. I copied the OFT in my final email response and surprisingly I've had nothing from them.

 

I also asked in my last email (probably foolishly) what their involvement with Marshall Hoare was - no response about that but then coincidentally Marshall Hoare began to leave me voicemails and threats of "fast tracking a CCJ". I did top this off with what their involvement was with a director with firearms convictions was - apparently that's not true either though the internet says otherwise. The final straw came when one of the multiple voicemails said that "because we can't reach a conclusion via email perhaps you'd like to phone us" - no chance.

 

Basically I would assume I'm looking at another £200 on top of this current debt as no doubt NDR will "pass" it on to Marshall Hoare - for the time being I'm playing hardball by refusing to deal with them via phone and keeping the OFT and Credit Direct in the loop, it seems Debt Line only want to deal with them when a final figure is reached and don't look to be sorting that themselves (that seems like a bit of a waste of money too!) - what I'd like to know is, does anyone know of anyone actually being taken to court by any of the above and has anyone fought to pay the actual debt and not the make believe one they've instilled against rules set by the OFT?

 

Thanks!

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Hi, I have been to court with mixed results, but not with NDR / Marshall Hoare. Courts usually find if you have been fair and tried to negotiate repaying the debt you can get away with the loan and one months interest. My advice woul dbe stick to your guns, keep emailing and progress the complaint as far as you can, if they keep ignoring you, you can always forward to the FOS after 8 weeks......

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Very interesting Marshall Hoare used to be Toothfairy Finance Cheque Cashing Ltd.....so a loan company are also a bailiff firm too !!

 

MARSHALL HOARES BALIFFS LTD

65 NEW CAVENDISH STREET

LONDON

W1G 7LS

Company No. 06871092

 

 

spacer.gifspacer.gifspacer.gifspacer.gifStatus: Active

Date of Incorporation: 06/04/2009

 

Country of Origin: United Kingdom

Company Type: Private Limited Company

Nature of Business (SIC(03)):

7499 - Non-trading company

Accounting Reference Date: 30/04

Last Accounts Made Up To: 30/04/2010 (DORMANT)

Next Accounts Due: 31/01/2012

Last Return Made Up To: 06/04/2011

Next Return Due: 04/05/2012

Last Members List: 06/04/2010

Previous Names:Date of changePrevious Name08/02/2011TOOTHFAIRY FINANCE (CHEQUE CASHING ) LIMITED

Edited by 42man

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

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I can't see this Marshall Hoare name on their credit licence, nor Northern Debt Recovery ??? and CIM Technologies's accounts are overdue !! I suggest in line with the OFT's ruling against this company, you drop them a line (the OFT that is !!) Are you able to record the calls by any chance ?

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

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Just a quick update on this.

 

Had one response from Marshall Hoare (they didn't include the OFT in their email response funnily)

 

Dear xxxxxxxx,

 

Thank you for your email.

 

Please refer to the terms and conditions you legally obliged yourself to when you took the loan out with our client Toothfairy Finance.

 

The charges of £350 are in accordance with all current legislation and the OFT guidelines.

 

Please stop attempting to draw focus away from your outstanding debt and repayment of it by bringing up issues to try to avoid the issue.

 

We are simply interested in arranging repayment of this loan you took for an agreed period of 28 days that has now been outstanding for 2 months.

 

You currently owe £760 and this amount is going to increase with the application of interest, as per the terms and conditions you agreed to upon taking the loan. All other charges and actions are in proportion with the those same terms and conditions.

 

We look forward to hearing from you with regards to repayment.

 

Kind regards,

 

Yours Faithfully

 

Door Collections

 

Then I received a phone call from one of their agents who called me a "cliche, just trying to get out of paying" - seems funny that all my other creditors accepted my debt management plan and didn't nearly triple their charges in the process.

 

After a ten minute slanging match I said fine, take this to court to which she responded "you realise we are like a multi million dollar company and we have lawyers who know about these sorts of things" - You can't afford to spell check your letters or actually print on legitimate letter heads though?

 

So after I told them deal with Debt Line or take this to court, they said they'll take it to court! What's the bet they don't and I have the same conversation tomorrow?

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Make sure you send the email to the OFT, and if they call again PLEASE record the calls...

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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I regret not recording that to be totally honest, I may actually bait them tomorrow (though I'm sure they'll be calling me a million times anyway) and do it.

 

Working nights tomorrow, so plenty of time to ring the OFT and FOS etc. What's the odds on these crooks actually pursuing a day in court?

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Yet another breach of the OFT guidelines by this company who have already had a rap from them....make sure you email the OFT

 

2.4 Examples of unfair practices are as follows:

 

a. falsely implying or claiming authority, for example, claiming to work on

instructions from the courts, claiming to be bailiffs or, in Scotland,

sheriff officers or messenger-at-arms

 

c. using more than one debt collection business at the same time

resulting in repetitive and/or frequent contact by different parties

 

e. not informing the debtor when their case has been passed on to a

different debt collector

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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A nest of vipers.....they are all based in the same building and are the same company....but of course they won't tell you this, it is an attempt to frighten you to the extreme...they have simply changed the name of their company

 

MARSHALL HOARES BALIFFS LTD

65 NEW CAVENDISH STREET

LONDON

W1G 7LS

Up until February 2011 they were called this - TOOTHFAIRY FINANCE (CHEQUE CASHING ) LIMITED

 

CIM TECHNOLOGIES LIMITED

65 NEW CAVENDISH STREET

LONDON

W1G 7LS

 

Here's a good one......Northern Debt Recovery are supposed to be a dormant company !! (The OFT will be VERY interested in this !!!)

 

NORTHERN DEBT RECOVERY LIMITED

65 NEW CAVENDISH STREET

LONDON

W1G 7LS

Company No. 06956396

 

spacer.gifspacer.gifspacer.gifspacer.gifStatus: Active

Date of Incorporation: 08/07/2009

 

Country of Origin: United Kingdom

Company Type: Private Limited Company

Nature of Business (SIC(03)):

7487 - Other business activities

Accounting Reference Date: 31/07

Last Accounts Made Up To: 31/07/2010 (DORMANT)

Next Accounts Due: 30/04/2012

Last Return Made Up To: 08/07/2010

Next Return Due: 05/08/201

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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Interesting! I'm going to call the OFT in a moment.

 

I've just had an email from NDR:

 

Dear xxxxxxxxx

 

Re loan ref: xxxxxxxxxxxxx

 

You have not responded to our request to come to a pragmatic arrangement with you to pay of your outstanding debt with our client ToothFairy Finance Ltd trading as ToothFairy Pay Day Loan. By ignoring our attempts to contact you and not coming to a reasonable arrangement to settle this debt YOU WILL:

 

1. Incur further charges

2. Suffer further adverse Credit

3. Hinder your defence should this escalate to County Court.

4. Leave us no option but to send out Recovery Agents to all addresses we have on file.

 

Once agents visit it will be very difficult to discount the amount you owe. It is better to make contact with us and set up a reasonable arrangement rather than allow this to escalate.

 

You currently owe:

Loan and Interest GBP 380

[chargeslis]

Repayments todate GBP 0

Total GBP 760

 

This can be reduced but you MUST contact us within 3 days. Your file has been sent to Bailiffs and our ground agents to prepare for Court action and door visits. We look forward to hearing from you.

 

Yours sincerely,

 

 

DEBT MANAGER - Greg Campbell

NORTHERN DEBT RECOVERY

0843 381 0843

 

Will they actually take this to court? I've already emailed the OFT and Credit Direct (who stated that there needs to be a differentiation between "ground collectors" and bailiffs which helps in my favour).

 

To be honest, I'd rather go to court as I've repeatedly told them as they'll have to explain the charges to the court and even then the court would set a reasonable repayment... I'd hope!

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Fantastic....I love this line - "3. Hinder your defence should this escalate to county courtlink3.gif." - this is particularly misleading as they do not know what any potential defence would be....also the line which says "2. Suffer further adverse Credit" - (this is not a word that OFT would approve of in any correspondence....

- the OFT will come down on them for this for sure....coupled with the fact that Northern Debt Recovery according to companies house are supposed to be a DORMANT company.....The OFT will love this....

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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Northern Debt Recovery do not have an OFT Licence either -

 

1. CIM Technologies Limited shall not use any trading name which is not

specified in its consumer credit licence.

 

Application / Licence Details

 

 

 

Licence Number:0615666

Licence Status:Current

 

Current Applicant / Licensee:

 

Business NameCompany Registration NumberCim Technologies Limited06144500

 

Licence Notes:

 

EvtStageOpen DateNotes1Requirements Imposed27/10/2010

 

Categories:

 

Consumer credit Credit brokerage Debt collecting

 

Right To Canvass Off Trade Premises:Yes

 

 

Trading Name(s) (Current):

 

Toothfairy Finance http://www.toothfairyfinance.co.uk http://www.toothfairyfinance.com

 

Issued Date: 15-Apr-2008

Expiry Date: 14-Apr-2013

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

 

NamePositionJonathan Weinstock Jordan Taylor

 

Nature of Business:

 

Credit Agreements/loans (not linked)

 

Current Address(es):

 

Address TypeAddressCorrespondenceElizabeth House, 54-58, High Street, Edgware, Middlesex, HA8 7EJ, EnglandPrincipal Place Of BusinessElizabeth House, 54-58, High Street, Edgware, Middlesex, HA8 7EJ, England

 

 

 

 

4. CIM Technologies Limited shall instruct a suitably qualified party to

advise on, and administer as necessary, legal and regulatory

compliance.

For the purposes of these requirements 'CIM Technologies Limited' shall

include any company associated to CIM Technologies Limited, as defined by

s184 of the Consumer Credit Act 1974 and includes, but is not limited to,

Toothfairy Finance Limited, Northern Debt Recovery Limited and Toothfairy

Cheque Cashing Limited.

ANY FAILURE TO COMPLY WITH THE ABOVE REQUIREMENTS WILL

RENDER CIM TECHNOLOGIES LIMITED LIABLE TO FURTHER FORMAL

ACTION BY THE OFT. THIS COULD INCLUDE THE IMPOSITION OF

FINANCIAL PENALTIES PURSUANT TO SECTION 39A OF THE ACT AND/OR

THE REVOCATION OF CllM TECHNOLOGIES LIMITED'S CONSUMER CREDIT

LICENCE PURSUANT TO SECTION 32 OF THE ACT.

Ray Watson Director, Consumer Credit Group.

Authorised signatory on behalf of the OFT

CIM Technologies Ltd, 61 5666. 27 October 201 0

Page 2

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

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Just spoke to Credit Direct who are going to refer this to Trading Standards.

 

I discussed many of the points above as well as ones on the OFT website but they didn't really have any specific answers which is a bit down-heartening. They searched for Northern Debt Recovery and couldn't find it on their system but they did find NDR Investigations who's license lapsed in 2005 - they're not sure if they're one and the same.

 

General consensus is stick to your guns - they said if it goes to court and you an prove you're on a DMP the judge will basically class it as a waste of time.

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Just sent another reply to NDR:

 

or your reference I have referred this case to Credit Direct who are passing this on to Trading Standards.

 

As it stands I will only resolve this case with you if you can remove the majority of your charges are they are unfounded (£150 for solicitors? We've not been to court yet... £200 for passing on to debt recovery... who are the same company?) and the remaining balance is paid via my Debt Line plan. I have requested that Debt Line contact you once again.

 

A response to the above would be much appreciated but I doubt I'll see one.

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Another response.

 

 

Thank you for your email.

 

We will agree to remove the fees for you but the minimum we will accept as a payment plan from yourself is £75 per month.

 

If you go through your DMA we are not able to remove any of the fees.

 

We are not prepared to hold this file for much longer if we cannot come to an agreement then we will pass your file to a third party bailiff company unless we receive a payment from either yourself or your DMA within 3 business days.

 

Yours sincerely,

 

DEBT MANAGER – JACK ROGERS (43)

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That is funny I thought Marshall Hoare were a bailiff company...!!! *sigh*

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

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My response:

 

Jack,

 

How can the charges only be removed if I come to an agreement with you? As it stands I cannot afford to pay that back so I will only be able to go through the DMA.

 

Bailiffs can only be appointed if I default on an arrangement set by the judge should this go to court. I would be very careful in making the distinction between a ground recovery agent who has no power and a bailiff appointed by the courts.

 

Kyle

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That is funny I thought Marshall Hoare were a bailiff company...!!! *sigh*

 

I think next time I should tell I thought it had already been passed on to Marshall Hoare and if they legally own the debt now, why are they still contacting me?!

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Hey 42man - if you have time can you have a read through this? Thank you!

 

Toothfairy Finance Limited, CIM Technologies Ltd (trading as Toothfairy Finance), as well as our collection agents Northern Debt Recovery are fully compliant with all necessary legislation.

 

A. Financial Services Authority:

 

FSA regulation is only required for secured loans. This is an unsecured loan covered by the Consumer Credit Act.

 

B. Consumer Credit License:

 

-Toothfairy Finance.is fully licensed in accordance with the Consumer Credit Act by Office of Fair Trading. The Consumer Credit License number is 637426. The local trading standards office is Camden.

 

-CIM technologies Limited (trading as Toothfairy Finance) is fully licensed in accordance with the Consumer Credit Act by the Office of Fair Trading. The Consumer Credit License number is 615666. The local trading standards office is Camden.

 

-Northern Debt Recovery is fully licensed in accordance with the Consumer Credit Act by Office of Fair Trading. Northern Debt Recoverys Consumer Credit License number is 631166-1. The local trading standards office is Camden.

 

In conclusion all actions will be fully complaint and all necessary licenses held.

 

We trust that this has alleviated any of your concerns relating to legal and procedural compliance.

 

We have noted your concern and it is imperative that you now work with us to repay the loan. Please contact us by close of play today to discuss this and repayment of overdue sums.

 

If we do not hear from you by close of business TODAY we will have no option but to take further action to recovery these sums:

 

PASS your file with ALL evidence to third party Recovery Agents and Solicitors

 

REGISTERyour defaults as per this loan agreement against your national credit file.

 

ADD such legal and recovery fees to your file as are required to close this matters.

 

We look forward to hearing from you today so as to achieve a speedy and cost effective resolution to this matter.

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No sooner had I posted that, I received another email.

 

Dear xxxx

 

Thank you for your email.

 

We would remove the extra fees as a gesture of goodwill if you paid yourself, if it went through your DMA we would not be prepared to remove the fees. We are not obliged to accept any offer they make us and we will not accept an offer of repayment of less than £75 per month from either themselves or yourself.

 

A bailiff company can be appointed which is what will happen and they will dispatch ground recovery agents who will attemp to discuss/ recover the amount owed . All actions comply with OFT Guidelines.

 

We urge you to reconsider your position on this matter.

 

Yours sincerely,

 

DEBT MANAGER – JACK ROGERS (43)

 

NORTHERN DEBT RECOVERY

 

0843 381 0843

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Well found......interesting address which is connected to Tunbridge Wells and not the one registered with companies house !!! which claims this company is DORMANT

 

Application / Licence Details

 

 

 

Licence Number:0631166

Licence Status:Current

 

Current Applicant / Licensee:

 

Business NameCompany Registration NumberNorthern Debt Recovery Limited6956396

 

Licence Notes:

 

EvtStageOpen DateNotes1Requirements Imposed27/10/2010

 

Categories:

 

Consumer credit Credit brokerage Debt collecting

 

Right To Canvass Off Trade Premises:No

 

 

Trading Name(s) (Current):

 

http://Www.Fairyfunds.Co.Uk

 

Trading Name(s) (Historic):

 

Fairy Funds Www,fairyfunds.Com

 

Issued Date: 04-Nov-2010

Date Maintenance Payment Due: 03-Nov-2015

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

 

NamePositionJonathan Weinstock Oliver Larholt

 

Nature of Business:

 

Debt Collection

 

Current Address(es):

 

Address TypeAddressPrincipal Place Of Business1A, Sheffield Road, Southborough, Tunbridge Wells, Kent, TN4 0PDRegistered Office1A, Sheffield Road, Southborough, Tunbridge Wells, Kent, TN4 0PD, UK

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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