Ndr

[betty28]

I Need help with ndr debt recovery

 

i had a payday loan with speedy dosh but could not repay it i then set up

a standing order for 8 payments of £40 at their request but know

i have received emails from ndr threatening legal action and bailiffs

i have just spoke to them and they said they have no evidence of this

agreement and if i don't pay £560 then proceeding will commence

[26072004]

Do you have the repayment plan in writing?

 

have you made the payments as agreed?

 

if so cant see any justification to instruct debt collectors.

[betty28]

I have a email with speedy dosh banking details and how much i have to pay

i could not make a payment the end of august due to changing jobs so i rang

and spoke to a chap who refused to give his name i explained the situation

and he said to set it up for october which i have done,i really don't

want legal action

[s4ddys]

I would contact speedy dosh and ask if they have passed the debt onto NDR. If they havent, ignore NDR and start your payment plan is October, or if they have, contact NDR and set up a payment plan with them. I would ask for confirmation of either in writing.

[betty28]

I have just spoke to little miss attitude at ndr she basically said unless i show proof of email of agreement

they will go ahead with legal action,how can i send copy of email when they don't have a email address

i have just emailed katherine o'hara at speedy dosh to ask what is going on as she was the one who

agreed to the repayment plan. I now await her reply

[s4ddys]

There is more chance of me showing up at court than them. As far as I am concerned it is down to them to prove they now own the debt not you! Sillygirl is about and may correct me if I am wrong, but they should be able to provide you with a 'notice of assignment' if they have legally purchasd the debt, or Speedy Dosh should confirm if they have passed the debt to them if they are collecting on there behalf???

[betty28]

Hi i have had another email from ndr threatening baliffs solicitors doorstep agents,

i have had a email from kathering o'mara basically because i couldn't pay

in september it has been passed to ndr and now they are refusing to set

up a payment plan. What can i do,i have the standing order set up for

the 1st october but now speedy dosh are refusing what they asked for

[s4ddys]

Hiya,Cancel the standing order but do not spend the money. Keep emailing NDR with your offer of payment. Trust me eventually they will accept. Tell them you want everything in writing but keep emailing them with your offer. If you do this there is no way they can take you to court and be successful. As I said earlier it is down to you to pay WHAT YOU CAN AFFORD, and nothing more!

[betty28]

hi i cannot email ndr as they don't have a email address and calling

them all the time will cost a fortune as it is an 08 number

[s4ddys]

Can you write to them recorded delivery?

[betty28]

i was thinking of that but they have stated that legal action as already begun,

i cannot understand how speedy dosh asked for 8 payments of £40 which is well over what

i borrowed but now won't accept it

[s4ddys]

You need to read the correspondence they have sent you very carefully. Do they actually say they have started legal proceedings or are they just threatening this? There is a massive difference between the two. Write to them anyway and make your offer of payment!

[sillygirl1]

Report them as they are part of the Toothfairy group, this is the link which has other contacts who would listen to your story

 

This won't hurt a bit, says payday lender Toothfairy Finance - Investigations

 

NDR and their so called 'bailiffs' who have no powers are all part of the same group.

 

http://www.consumerdirect.gov.uk

http://www.tradingstandards.gov.uk

 

for the Office of Fair Trading and Trading Standards.

 

If you do get court papers get back to here and I can do a defence for you.

[betty28]

HI I was thinking of emailing speedy dosh and offering to pay the original loan

back within one month do you think this is the right thing to do as i really

don't want bailliffs at my door

[sillygirl1]

If you can pay it off without borrowing from somebody else then yes...

 

They will NOT be bailiffs, the person would be a doorstep collector and can be told to get lost. You should not sign anything to say they have visited - they are commission only people and know all the tricks in the book to get money from you.

[betty28]

HI I tried to offer a monthly payment plan with ndr but they refused

i have now had emails fro marshall hoare bailiffs i again tried to offer

them monthly payments but they have refused and unless i pay £560

(original loan was £150) they will be visiting my home to cease goods

i am at my wits end i cannot afford £560. What do i do

[sillygirl1]

Complain to http://www.tradingstandards.gov.uk and http://www.consumerdirect.gov.uk and read this article

 

This won't hurt a bit, says payday lender Toothfairy Finance - Investigations

 

Marshall Hoares are NOT bailiffs until a court order has been obtained, and you are a long way off from that, it is a threat they cannot carry out as they are not entitled to sieze anything. Get complaining now.

[betty28]

i have had another email from marshall hoares

 

saying that i have 7 days to pay the full amount of£560 or arrange a payment plan which i tried to do

 

the other day but was refused i have also had a letter from solicitors telling me i have to pay NDR £560 or arrange a payment plan

 

which again i tried to do with NDR.So what do i do or who do i deal with

 

,i was thinking of asking them if i could pay the original loanof £150 in two instalments cos i don't want them coming to seize goods from my home.

 

Please Help

[asmilecostsnothing]

Please Betty 28 be assured baliffs cannot just come to your home, not without it going to court which is quite a way off, there is a formal procedure they have to follow, then you just show and provide all the proof you've done all you can to get this sorted with the companies not responding very well - with a judge you'll have the chance to defend, if it gets this far - try not to worry it sounds like they have gone way to far in recent times for which they will now/are under investigation

 

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

 

I personally think the recent Mirror article should have published more of the outcome of James's trouble with this awful duo - would have helped others much more I think

Edited October 19, 2011 by asmilecostsnothing
.

[betty28]

Right i am now at my wits end marshall hoare bailiffs have been sending me emails

saying i haven't made reasonables offers of payment but i have been out of

desperation i offered £50 a month (the original loan was £150 they are wanting £560)

they have again refused this offer and have said a doorstep agent will be visiting me

i really don't need that as i live with my parents as my mum is disabled what do i

do i don't have £560 to pay in full

[sillygirl1]

You MUST report them to

 

http://www.consumerdirect.gov.uk for the Office of Fair Trading

http://www.tradingstandards.gov.uk for Trading Standards

 

and read this article below which explains the unholy relationship amongs the three companies. Complain about them to the guy who wrote the article as well.

 

This won't hurt a bit, says payday lender Toothfairy Finance - Investigations

 

Marshall Hoares CANNOT send a bailiff round and use their bailiff powers UNLESS there has been a court order issued, they are full of hot air and can do NOTHING except threaten and panic you.

 

You need to complain as your complaint could get them invesitgated, it could be the complaint that tips the balance.

[betty28]

This problem is not getting any better i have made offers of monthly repayments

keep getting refused today i have had a email from ndr threatening to get the

police involved if i don't pay because i have commited fraud and have had a

email from marshall hoare bailiffs stating if i don't pay in 3 days someone

will be visiting my home to demand payment and they will continue to

visit until i pay. What do i do i haven't got £560 to pay them i have offered

to pay the original loan £150 but they are refusing

[sillygirl1]

The advice has already been given, follow it. Marshall Hoares are NOT bailiffs and CANNOT use their bailiff powers when collecting common commercial debt.

[MARTIN3030]

You MUST report these to TS and Consumer direct.

read these;

 

 

http://www.credittoday.co.uk/article/8352/online-news/oft-cautions-tooth-fairy-finance

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?309178-Toothfairy-Finance-NDR-Marshall-Hoare-queries

[betty28]

Hi I took the advice and reported marshall hoare bailiffs i had not heard anything

from them for over a week until today i have had a email stating that they intend

to visit my home for the £560 that they are wanting they have stated this debt

will not go away and they will continue to persue me until they get the money

they have told me they will accept upwards of £75 a month to clear this debt