Toothfairy passing my debt to NDR

[Mikeyhall89]

Hi Guys Toothfairy have just said they are passing my details over NDR can i have some advice of how to deal with these guys I can pay them on 28/10/11 and the loan was due to be paid on the 01/010/11. Anythin would help?

[BRIGADIER2JCS]

If you can pay at the end of

the month have you told them

this?

No doubt there are penalty

charges for late payments.

I seems odd that if the payment

was due 01/10/11 that it's

being passed to a DCA on

the 2nd.

Is there more to this???

[maroondevo52]

Hello and Welcome,

 

I've started a new thread for you, also unapproved your duplicate post, please continue to post here regarding this issue.

 

Thanks.

 

Scott.

[Nao]

I seems odd that if the payment

was due 01/10/11 that it's

being passed to a DCA on

the 2nd.

Is there more to this???

 

It's because the Lender and the DCA are owned by the same person, they just pass the debt to the DCA so the DCA can slap on some extra fees for accepting the file.

 

Best thing to do is to offer them the amount originally owed (loan amount + one month interest - any payments made) until they accept.

Also best to change Bank immediately as otherwise they will hammer your debit card each and every day with completely random amounts leaving you with nothing to pay rent, food and so on.

[BRIGADIER2JCS]

Agreed, cancel your debit card and inform

your bank the account is compromised, as

some automated systems may be able to

access your account even with a newly issued

card.

[Mikeyhall89]

Hi guys, there is nothing hidden toothfairy even admitted i was a good customer however they said they do not offer payment plans. no doubt a letter will come through soon telling me what i need to do. i could just do with advice as i go!

 

Thanks Guys so far you have been a massive help

[Mikeyhall89]

First Email Today:

 

Number of Tries to contact Failed. They Havent

Details Passed onto Debt Collection in next 24 hrs

Debt Collection Will add £150 to balance

Det recovery agents will call at address to recover balance

If can not recover the debt at the address they will apply for a ccj

will apply for a ccj and a warrent of execution by baliff

 

That was a summary of what it said.

 

Any Help Guys Starting to worry now!!!

[sillygirl1]

Get that email to the OFT, they are not allowed to charge for debt collecting, it is their own company and own 'fake' bailiff form , who CANNOT act as bailiffs.

 

If they go to court they cannot automatically win if you defend, and I can write a good defence, they have been seen off several times this year in court and are not very adept at getting their documentation in on time.

[Mikeyhall89]

Hi Just sent the Email to The OFT what will happen now?

 

Any advice in what i can say to NDR when they phone now?