Jump to content


  • Tweets

  • Posts

    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Toothfairy Finance/NDR/Marshall Hoare queries **


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4069 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Chin up lingus - don't let those morons get you down - just remember 3 words -NO LEGAL RIGHT - if they still say you have not paid it let them take you to court and fight it out - My TF is in disbute so I doubt I will be hearing from our friends at NDR or MHB for a little while (saying that this is TTF we are talking about) lol

 

Send them the proof, if they still ignore, tell them to take you to court - if you have the proof and they are choosing to ignore it, then im sure a judge will go in your favour and quash the whole saga - they are out to get as much as they can - sod the real debt they think - its the extra on top they want - they remind me of the old school late 90s collector MOORCROFT hehe - I had fun with them too - chin up mate - you will beat them and remember you are the boss, not them :p

Link to post
Share on other sites

  • Replies 163
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

yes - very strange... I don't know if im alowed to post this; but I will anyway -

 

I think the directors at Web Loans Proc ltd have got their fingers in some pies

- CERTAINLY Oliver Larholt!

 

How he can direct the entity and the organisation that debits our accounts (london treasury service)

and the way that some banks deal with their customers when it comes to CPAs...

 

I may be wrong, and it might all be the banks fault

- but lets take Barclays for example,

 

they are the bank that TF use and yet having read comments on these threads,

they have certainly been a pain to deal with when it comes to removing CPAs with PDL companies.

 

As for the OFT and FOS being 'useless' - look at the current state our economy is in, its fair enought it may take some time for them to reply because there is a lot of change going on...

 

^^^Just throwing that out there - its an opinion not fact or an acusation, so sorry if i offended anyone^^^

:jaw::mad2::jaw:
Link to post
Share on other sites

There was a post on one of the threads a few months back when one of the posters didnt live that far from one of the addresses they use so they went to visit them and when they got there it was an old petrol station or garage ( cant quite remember) that was up for sale, obviously a verydodgy company indeed

Link to post
Share on other sites

makes me laugh how these companies don't have an actual email address for customers to use - instead of going through all that crap on their website - maybe they are scared of all the hate mail they may get - out of interest does anyone have a direct email for NDR or TFF?

Link to post
Share on other sites

central - at one point you could e-mail them, then they blocked it for security reasons,

then they changed that to its quicker and more convenient to fill out their online form, which is bull!

 

Its just a way for them to screw u over and not have a paper trial and they can use the excuse that you are not contacting them,

because they want people to be scared of talking to them on the phone and make u look like the bad one.

 

My advice is to go through the FOS.

 

I know they are not the mst popular option, but eventually u will get through to joseph xxxxxxx,

then you will be where i am - in the closing stages.

 

Im am certain with everything I have, the FOS will look at it and just cut my 'debt' down to the original amount plus the interest!

 

Tempted to try and do them for damages and stress as well, though i'll see how nice I'm feeling closer to the time.

 

Tinkerbell - I have done my research.

 

I don't like parasites and thats what these people are!

 

Like others on this forum - i have a lot of evidence against these clowns, but its waiting for the OFT to do something about it ya know.

 

But I don't let things drop and I want Toothfairy to know that they are threatening the wrong person and that the full force is coming to bite them!

Edited by alanfromderby
:jaw::mad2::jaw:
Link to post
Share on other sites

I've sorted mine this evening thankfully

- exchaged about 10 emails of rants & raves with web procs but in the end they saw it my way and accepted my offer

 

- I informed them that the emails & text they sent me were unlawful and broke atleast 6 OFT guidelines

- the guy then accused me of fraud

- this went on for 8 emails and then on my 8th told them to take me to court and issue a CCJ

- they then accepted my offer and all is sweet.

 

For now - also told them I'm only paying the original debt and if they send it to NDR

I would ignore as the company is dormant

- anymore crap from these and I will see them in court

- a group of morons who should be doing community service :)

Link to post
Share on other sites

accused me in the email

 

- ''you stated that your income was £XXX per month.

 

As a result we are concerned that you have provided us with fradulent information.

 

If this is the case, this file needs to be passed to our fraud department who will liase with the appropriate authorities, and deal with it accordingly''

 

I told him then to take me to court as what info i gave them was correct at the time and I have proof of this.

 

I was told I did not have to send them any kind of proof,

I also told them I did not trust them enough to send my personal information.

 

 

In the end they have agreed to my offer and I will have the cretins out of my hair by January. J

 

ust feel sorry for the less brave who do not tackle these people full on

Link to post
Share on other sites

right - do urself and everyone else a favour and send that fraud e-mail to the OFT. Wonga got sanctioned for accusing people of fraud, and they are one of the more honest PDLs. The more of this we get to the OFT the better. Even though it seems like an uphill struggle, we need to stay strong and keep fighting! Anything that makes you feel out of place, OFT and FOS it!

:jaw::mad2::jaw:
Link to post
Share on other sites

I have 10 emails with various threats and unlawful crap from then - will do it tomorrow - didn't realise wonga got done for it - I find wonga to be the best out of this bunch of cretins - any heads up on wat to write to OFT about the fraud issue? Never been accused of it b4

Link to post
Share on other sites

Got a question for you - can interest and further money be added to a debt that has been defaulted?

 

Also under the CCA74 should a company not give atleast 14 days notice before a default is added?

 

X:)

Edited by central2012
Link to post
Share on other sites

the problem u find with these mokeys is that at no point do they notify u that you have defaulted on the loan. I believe its against OFT guidlelines, or its seriosuly frowned upon for interest to be added after an account has been defualted, but as we know these people think they are clever and wont inform you, so they can just continue to add charges...

 

As for a letter to the OFT, personally, I would just quote guidelines to them and provide evidence that they have breached the guideline(s) - not much of a letter writter unfortunatly, so I cant really help out here sorry :-(

:jaw::mad2::jaw:
Link to post
Share on other sites

Please please please go to the Financial Ombudsman!!!

I contacted them back in February re the continuing harassment from these companies....which we all know are one and the same...you do need to follow the guidelines in order to proceed further.

 

As you will all probably know, they do NOT have a complaints procedure as such and when I did complain to them, I was told that I "did not have a legitimate complaint and was attempting to defraud".

To fillow the FOS process, you have to give the business 8 weeks to respond to your complaint, but due to that response from NDR, I was able to proceed straight away.

 

I had 64 letters from them over a 4 month period and 94 emails, mostly of a threatening nature, I also had 42 tests on my phone, mostly received around 4.30/5am.

 

I sent all of this evidence to FOS and they agreed to intervene and help me.

After having no success with my contact with their call centre and at one stage was told to f**k off by one of their representatives, I was given the details of a direct contact within the business, via the FOS.

Unfortunately, I am unable to give the details out of this person, as this was part of my agreement with the FOS.

 

I was threatened as all of you above were re "bailiffs"...which incidently have as much rights to enter your property as your local window cleaner...ie NONE!

 

To cut a VERY long story short, it was one hell of a struggle to get all of this sorted and I was still recieving threats from the "business", I did get the total amount owing reduced from the £1280 they were saying that I owed, down to £400.

I paid this to them over a 3 month period.

I was not disputing that I needed to pay back the loan that I had agreed with them, just the amount and the disgusting way that they dealt with it!

This would NOT have been possible without going through the FOS!!!

 

I will not lie to you, it is a long and arduous process....but well worth it to get these "people" to squirm".

I cannot guarantee that you will have the same outcome, but please do not be afraid of these scumbags!!!

 

The above is just a small part of how to deal with the "business", so please feel free to contact me if you have any specific questions.

Link to post
Share on other sites

i did go to fos and i got a legally binding agreement,

 

an apolgy and 100 pound knocked off,

 

but after paying for 6months regular,

 

they then decide they not getting payments

 

,i get emails fro ndr who pass on to marshall hoares who invite you to call in

,fat chance,

 

then web loan processing,

 

yrt another toothfairy trading name,

 

sya they have manually adjusted my account after rec proof i paid,and promised fos they would stop communicating,

 

well guess what

 

,email to me todat asking for more proof,

 

yet another broken promise

 

,fos do nothing and oft drag their feet yet will raid a car boot for counterfiet goods,

 

so you tell me what im supposed to do,

 

it will never end till people who have the power actually back up their words with proper action and i doubt they ever will!!!!!!!!!!

Link to post
Share on other sites

oft car boot?

 

that trading standards...

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

surely if toothfairy/webloans/sc or whatever the heck they are called broke a legally binded agreement - they can get into some serious doo doo?

 

what i don't understand is why some people have success with the FOS/OFT and with some the situation actually worsens...

:jaw::mad2::jaw:
Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...