Toothfairy Finance accuse me of Fraud

[Gabi18]

Hello sillygirl1,

thank you for your response. I have already sent all of them "doorstep visit letter" and it was quite long time ago. I've just done it again trough their websites - the only way you can send them online. Also in a moment I'm going to post office and send again letters to all of them - "doorstep visit letter".

Thank you for all of your advice. I have been reading about problems with those people on this forum for a long time so I know I'm not the only one.

The same CCCS told me when I called them (I'm doing my dmp with them).

Sillygirl1, I know from what I was reading that actually what you owe PDLcompanies is the loan + 1 month interest. Could you please advise me in that matter? I gave to CCCS the outstanding balances of PDL on the base they sent me which means the balances are much more higer than loan+1month interest as all of PDL put charges etc on my accounts.

Could I calculate on my own the new balances on the base loan+1month interest and update CCCS with what would come up after my calculations? Can they ask me how it possible that balances decreased?

I have already paid some money to all of my creditors through dmp (since January 2011).

Could suggest or advice anything please?

Thank you for reading that.

Gabi18

[AdrianMurphy]

I was just trying to help.

 

Site Team are aware - what nonsense.

 

I mentioned OFT as well (since someone offered me that sound advice on my post about a company in the same business). So I mention the OFT I am a troll, you mention it and you are ....???

 

It's a forum for helping people.

[AdrianMurphy]

Having said the above, in all fairness, those links are really good

[sillygirl1]

Gabi

 

If you have any of these PDL loans with the CCCS you MUST deal with them yourself. CCCS only want payments, they are partially funded by the finance industry and do not have your best interest at heart. Pro-rating debt is not always the best way to deal with things.

 

You need to believe that the CCA Act provides for short term loans under varying sections and that you only ever owe the original loan amount and one months interest as that is in the initial contract, even when the initial contract is rolled over that is still what is stated. They are relying on your ignorance to rack up charge after charge and interest on interest on an already high interest rate short term loan. I am not explaining this any more as it has already gone into in great detail.

 

As long as you control the companies and the repayments you make you can prove to a court you have made provision for other debt you have, you have acted responsibly in ensuring their debt receives equal priority with other unsecured lending, secured lending takes priority, and you have allowed enough of your income for other regular outgoings there should be little problem.

[Gabi18]

Thank you, sillygirl1. I was thinking i could pay off one PDL a month - whatever is left to pay them (loan+1month) - and then remove from CCCS list of my creditors. I don't know whether this is a good idea. I just want to get rid off PDL quicker than with CCCS.

Sorry to bother you but I've got one more question regarding doorstep visit I had from MHB. I thought I could send a text to that number the agent gave me and say that I do not wish any visits unless the appointment has been made with me and if he comes again I will call the police. Is it a good idea? Maybe I should call that agent and tell him on the phone. I'm really worried as I share house with people who don't know about my problems and I don't want them to know.

Thank you.

gabi18

[sillygirl1]

Send him a text stating you do not want home visits and send an email to Toothfairy and NDR as well. Do not phone him as he will bully and intimidate you. They are not allowed to charge £100 for these visits, nor charge 'file referral fees' etc so if you have been charged then report them.

 

Report each breach of the OFT Guidelines as an individual offence, reminding the OFT of the sanctions they already have placed on this bunch of jokers.

[quackquack]

Adrian murphy I recognise this man he posts all sorts on other sites mainly the itv news one and can be quite horrible

[MARTIN3030]

Gabi thanks for the update.

This news is quite disturbing and shows that they are not taking you seriously,or that of their duties.

Will put something together for you.

 

As regards the others posting on this thread-can we please stick to the matters in hand-it is of no benefit to Gabi to have some of the comments posted here which we have seen.

Posting rules are clear.

If anyone has concerns then the proper way to do this is by reporting it to the site team.

[MARTIN3030]

iaintw,

 

Posts are usually unapproved for a number of reasons.

In many cases,the reason for this is due to content in the posts being unsubstantiated,or else there has not been the means to validate what has been posted without further proof being volunteered.

 

So the latest post is again being unapproved until you can give more substance and proof of what you are saying.

Please forward this to the site team via the black report triangle.

[iaintw]

just pm me i will tell you about it

[MARTIN3030]

Please feel free to pm me then.

[Gabi18]

Hello Everybody,

A bit of update. It's been TWO WEEKS since I sent out my letter to The Evil Trio: TTF/NDR/MHB asking them to provide me with some proof of their accusation. Well, I haven't heard anything from them in that matter. But I do still receive their usual emails once or twice a day.

Last week they sent a ground collector to my house but I wasn't at home when he came. He left a letter in open (!!!) envelope. Was written down on it: URGENT! and my name.In letter he left his name and phone number to contact him. I did. I just sent him a text where I used http://www.consumeractiongroup.co.uk/forum/content.php?410-LETTER-USED-WHEN-A-DCA-THREATENS-A-DOORSTEP-VISIT

from the Library. Also I sent out letters to TTF/NDR/MHB (first class+certificate of postage) with the same template, also

 

and also I sent them the other one with request of removal my phone numbers from their database:

 

I spoke to CCCS again telling them that I haven't had anything from TTF about "fraud issue". They said it happens sometimes when the creditor is one of those nasty ones. Also they told to sort of ignore their emails and text (texts not any more, I've changed number).

By the way: the last balance I saw was £1,700 on the loan of £400. I've paid already about £200.Only in a week time the balance went up from £1,307 to £1,700.

Thank you for reading my posts and also for all advice I was given by you Guys!

Gabi18

[Gabi18]

Sorry, somehow I pasted link in wrong way. this one is about DATA REMOVAL:

http://forums.moneysavingexpert.com/showthread.php?t=2363673&highlight=removal+of+numbers+under+data+protection

[Gabi18]

and this one about "harrasment by phone":

http://forums.moneysavingexpert.com/showthread.php?t=2124295&highlight=removal+of+numbers+under+data+protection

[Hontch]

By the way: the last balance I saw was £1,700 on the loan of £400. I've paid already about £200.Only in a week time the balance went up from £1,307 to £1,700.

 

Sorry I offer no help, but just had to say I am disgusted at the punishment you receive for actually paying your debts off!

[Nao]

Those ever increasing numbers are part of their scare you into paying mindgames,

quote from one of their usual emails,

If there are insufficient funds in the account the payment might fail and all charges will IMMEDIATELY become due, ALL back dated interest, penalty fees will be charged.

Recovery Agents will be sent to all addresses we have on file for you in order to obtain payment. Should this also prove unsuccessful we will be liaising with solicitors who will obtain a County Court Judgement against you. Once this is secured we will return with a Warrant of Execution from the County Court and certified Court Bailiffs to seize goods at 9 times the value of what you owe.

 

It's just their usual way to pressure people into paying quicker by saying the amount will go up even further.

 

But no matter what they threaten with, keep offering them what you really owe them (original loan amount + one month interest - any payments made) until they eventually accept.

 

In case the doorstep collector turns up again, do not let him in under any circumstances, unless its all been through Court and found in their favour then it won't be a real Bailiff.

[Gabi18]

Good morning everyone:)

I have not heard anything from TTF/NDR/MHB regarding their accusation of fraud. They didn't reply to my letter sent about 3 weeks ago. I only received their normal emails and texts.

Does it make sense to do anything about their unfair accusation?

Gabi18

[johnvernon74]

Personally I'd ignore their threatening letters which appear to be alleging fraud, however if you call them everything is OK. As a regulated company they have a duty to report any fraud to the appropriate authorities and within the guidelines of their licence. I'd suggest you ignore the letters/emails and continue to pay what you can afford. Block their email address from your email account, these companies while may help people with short terms cash flow issues should be banned.

[MARTIN3030]

I would report them to Consumer Direct since they are failing in their responsibilities as a Consumer Credit licence holder to deal with you fairly and respond to your communications.

 

You might also consider a complaint to the FOS.

[MARTIN3030]

Continue to keep everything together also as evidence with a paper trail.

[iaintw]

i support her too what she is doing to them

i delete the post for you!

Edited October 10, 2011 by iaintw

[MARTIN3030]

Ian if you read through all the thread you will see that she has continued to receive support,and includes being reminded to save all the supporting evidence.

Posts or content are not removed without reason-as has been outlined already.

[Gabi18]

Hello Everybody,

A bit of update. Nothing from The Evil Trio regarding my letter.

But today NDR sent me exactly the same as one month ago email with accusation of fraud.

Over the last month I was getting from them their normal threatening emails and text. They also sent to my home a ground collector. I spoke with CCCS (they are doing my dmp) about that situation.

What do you think? Is there any possibility that one day somebody(government,the other financial body) who can make decision will do something about TTF/NDR/MBH?How is it possible that this company can still act in that way?

Thank you for all your response.

gabi18

[iaintw]

gabi have you keeping the all letters from yourself? if you do its a good idea to get trading standards in I hated this toothfairly acted unfairly.

I got a idea for you

 

send a letter to oft (office fair trading),

send a letter to fsa

send a letter to trading standards

with all your letters to them.

 

If toothfairly not responding to your emails their also broken the credit cousumer act and failed to respond.

[MARTIN3030]

I have outlined the next course of action to Gabi and am helping to put things together that should see a speedy end to things highlighted.