Toothfairy Finance accuse me of Fraud

[Gabi18]

Hi Guys!

After some time I need your advice please. It's again about Toothfairy/NDR/MHB. I've been paying them since xxxxx through my dmp - at tje moment I'm doing my dmp with CCCS. Those people have never agreed to any payment plan but I just keep paying them as much as I can via my dmp.

They keep sending me emails with threats: all of them Toothfairy/NDR/MHB. I replied to most of them via their website as none of the email addresses is working. I made a complaint already about that behaviour, threats, harrasment, confusing emails and etc.

Today I received an email:

 

"Dear Mrs XXX

 

Loan ref: XXXXXXX

 

We have reason to believe that you have supplied our client - ToothFairy Finance Ltd-ToothFairy Pay Day Loan - with potentially FRAUDULENT information inorder to obtain credit.

 

THIS IS A SERIOUS MATTER which must be dealt with IMMEDIATELY to avoid further action.

 

Call 0843 381 0843 IMMEDIATELY failure to do so may lead to this matter being passed to the Police

 

According to records you applied for and took a loan with ToothFairy Finance Ltd-ToothFairy Pay Day Loan on xxxx for GBP xxx. Systems generate a detailed electronic trail of proof at EACH stage of the transaction including the unique address of the computer used, mobile phone offered and cross referencing of ALL personal details provided across multiple sources

 

The bank has confirmed that the funds were sent to the account num ber XXXXXXXX with sort code XXXXXX and that this account belongs to you.

 

If we do not hear from you by end of tomorrow we will be passing this file to the Anti Fraud Department who will then perform further traces and check exactly where the loan application came from using IP tracking technology.

 

If this proves to be an attempt to defraud us then you will be charged for the extra investigation and the file handed to the Police to pursue as a criminal matter.

 

We would much rather avoid involving further third parties as it will become much more serious and expensive for you, and time consuming for us.

 

CALL NOW TO AVOID FURTHER ACTION

 

Yours sincerely,

 

 

 

PLEASE CAN ANYBODY ADVICE ME WHAT SHOULD I DO??????

Thank you for any help and advice.

Gabi18

Edited September 13, 2011 by MARTIN3030

[citizenB]

gabi, I think I would be inclined to copy that email to the OFT and see what they have to say about it. I am sure it must breach the OFT guidelines.

[Gabi18]

Thank you CitizenB for the advice.

Could you say whether I shall worry about that email or no? Did you come across similar situations?

thank you

Gabi18

[MARTIN3030]

Whilst they are indicating there is potential fraud,they do not appear to be spelling out exactly what may have constituted any fraud or even given any hint of anything.

Can you think of anything that could give them cause to be suggesting this ?

[MARTIN3030]

Moved to a new thread.

The first thing that you need to be finding out is;

1.The nature of the fraud allegations,what has led them to be making the accusations,and demand a response.

 

2.Once you have this you can then challenge it and report it to the regulators or look to be taking legal action for harassment.

 

If you make a complaint before this,the regulators will want to see a response from TFF after you have denied it,and will want to see their response.

 

Pre action protocols for Court proceedings will also demand the same.

Do not deal with this by phone.

You need to be putting this in writing,that you deny these allegations and put them to strict proof to show to you there is substance in them,and demanding a reply by 7 days in writing.

Ask for a copy of their complaints procedure.

These are serious allegations and therefore I would send special delivery to their registered office.

Make it clear that you will be filing a complaint with the regulators and may seek Court proceedings.

[MARTIN3030]

This is their registered office

 

 

Cim Technologies Ltd

Toothfairy Finance

15, Lyndhurst Terrace, Hampstead, London, NW3 5QA

[Gabi18]

Thank you for the advice.

I'm doing my dmp with CCCS. Since January 2011 till July 2011 I was doing dmp with DMC which charged me - that's why I left them and joined CCCS.

All of my creditors are paid through dmp with CCCS and only ToothFairy Finance / NDR / MHB is giving me a hard time.

I will call CCCS tomorrow and will ask them what to do about this.

The problem will be with posting address for Toothafairy/NDR/MHB. It does not seem to exist I'm afraid.

Will keep you updated.

Thank you.

Gabi18

[Gabi18]

Thank you Martin3030 for that address.

Would it be possible to get any help in wording that letter to them please?

I don't really know what to write, I have no idea how they came up with those allegations against me.

[MARTIN3030]

Ok.

Its not a good idea to be posting that in any event since we are aware that they are monitoring.

Will sort out a suitable letter for you.

In view of the seriousness of this,I think it is a good idea that things are not done so openly.

You say that you are innocent,and with that in mind,and the possibility that this will escalate (they have mentioned Police)

then it is not appropriate to be airing all here.

[Gabi18]

Sorry for maybe stupid question but how I am going to learn about this if not on this forum?

[MARTIN3030]

Others will post,and there is nothing stopping you posting more.

Learning more is fine-giving them a heads up as to what you are responding with,and the specifics of that for them to read here is another thing.

[andy07]

IMO this is just another pressure tactic , to prove fraud they would have to prove that you falsified information on your application with the intent of obtaining credit with no intention to repay it , the fact that you have made offers of repayment through your DMP basically blows this out of the water and im quite sure that if they reported it to the police (which ill bet they dont) then they would be told to stop wasting police time. I would definatly report this to relevant bodies as they are making false claims that a civil matter is a criminal one to encourage you to make telephone contact

[42man]

Just send the OFT a short letter outlining your situation and that you are in a debt management plan....I presume your DMP are aware of your debt with Toothfairy ? The OFT will love this one !!

 

The OFT make it quite clear

 

b. leaving out or presenting information in such a way that it

creates a false or misleading impression or exploits debtors'

lack of knowledge

 

d. unnecessary and unhelpful use of legal and technical language,

 

g. making threatening statements or gestures

 

c. refusing to deal with appointed or authorised third parties, such

as Citizens Advice Bureaux, independent advice centres or money

advisers

 

d. contacting debtors directly and bypassing their appointed representatives

 

e. operating a policy, without reason, of refusing to negotiate with

debt management companies

[42man]

Just using the term IP tracing technology in a letter to you is unacceptable....

[AndyOrch]

Why would there be a need for Anti Fraud dept and IP tracking software.You had the money they have your account details

you are trying to pay it back, wheres the fraud.(which would be Civil Matter anyway not Criminal) unless you are an embezzler or Tax avoider

only serous Fraud is considered Criminal.The clue is in the CALL US CALL US CALL US all them Dept's and technology and they are desperate for you to CALL THEM.

 

Regards

 

Andy

[MARTIN3030]

This comes just as the OFT issue stern warnings about unfair communications by CC holders.

 

 

http://www.oft.gov.uk/news-and-updates/press/2011/98-11

[Gabi18]

Hello,

First at all: THANK YOU SO MUCH GUYS FOR YOUR SUPPORT AND ADVICE!!!!!! I do really appreciate that. Yesterday I was so scared again because of TTF/NDR/MBH.

You again gave me a breath!! THANK YOU!

I spoke today to CCCS. They are going to deal with TTF/NDR/MHB, make complaints etc as I was not the only one treated like that by those companies.

I feel a bit better today - not as scared as yesterday.

I will keep you updated.

Gabi18

[Gabi18]

Hi everybody,

it's been more than week and i didn't hear anything from TTF/NDR/MHB except standard email from NDR about legal action in 7 days, blablabla......

but nothing from them about their accusation of fraud. I sent them a letter demanding proof of what they were accusing me of, also talked to CCCS who I am with doing my dmp.

NOTHING FROM TTF/NDR/MHB.

just wanted to update you a bit

thank you for all your help, Guys.

gabi18

[MARTIN3030]

Thanks for the update Gabi.

Give them a little longer,and if they fail to respond,and that includes sending you a copy of their complaints procedure as requested,then time to refer this to Consumer Direct.

[MARTIN3030]

iantw,post unapproved.

Please can you forward to site team any/all of the supporting information that you have to corroborate what you are saying.

We cant allow posting of unsubstantiated comments or innuendo that cannot be backed up with facts and proof.

[Gabi18]

Hello everybody,

MHB sent the ground collector to my house. It was yesterday. He left a letter as I wasn't at home.There is his name and phone number in that letter to call him IMMEDIATELY to resolve that matter (letter states like that)

I was kind of surprised as I haven't seen anybody on this forum visited by ground collectors on behalf of MHB.

Can anybody advise what I should do? Contact that agent or just ignore it?

The letter says "more visits are planned" and I don't want them to come again. I share house with the other people. They don't know and I don't want them to know about my money problems.

Thank you for any advice.

Gabi18

[AdrianMurphy]

Going through something similar myself. I cashed a HMRC cheque that bounced. HMRC have re-issued the cheque.

 

Got a couple of unsavoury calls from the company in question - not happy with the content from either.

 

I instructed my solicitors yesterday and they have written to them.

 

I am now hoping that the company in question starts acting professionally but if not, I'll be holding them to account.

[Gabi18]

Sorry, Adrian but your post is not the answer I was looking for

[AdrianMurphy]

Gabi - I've had the same. I've decided on the legal route. If I seen a letter like the one sent to you, I'd be pushing the solicitors to inform the companies directors and the OFT.

[sillygirl1]

Gabi, ignore Adrian Murphy, the site team are aware of this 'troll' (person posting unrelated problems on threads).

 

Have a read of this and contact the people in the article. The man who came is NOT a bailiff, cannot use bailiff powers and you can report him to the police for coming and threatening you - it would be good if you did that. Email the 'evil trio' of Toothfairy, NDR and MHB who are all owned by the same person and let them know nobody should come, if they do you will report them to the police and the OFT/Trading Standards.

 

http://blogs.mirror.co.uk/investigations/2011/09/this-wont-hurt-a-bit-says-payd.html

http://www.oft.gov.uk/shared_oft/press_release_attachments/cim-requirements.pdf