Dealing with the toothfairy is like pulling teeth. *HELP*

[lolzor101]

Hi all,

 

I got a £300 loan with toothfairy finance and tried to make repayments to them at £100 per month but didn't want to give them my card details as they would likely just clear my account and leave me short. At which point i was told i have two options, to either keep not paying and have bailiffs turn up at my house or go to court. So i requested that they take me to court if they won't accept my payements (this was around a september). Since then i heard nothing and expected a court summons, however this week (whilst i'm away at uni, as i have recently gone back to uni) i get a door call telling my parents i have a debt of £1998 and they will be liable to pay it if i dont (which i know is incorrect). The guy then proceeds to write down my dads registration (as if to say we will take your car if you dont pay). My dad being a savvy character knows his rights and told the bloke to leave our property and not to come back, and to take me to court if they were gonna. The agent in question was a representative of norther debt recovery, the following day, less than 24hrs later i received an email from a bloke called jason, detailing my debt had reached £2460 (a firm called marshall hoares).

 

At this stage i decided to call them and explain i am now a fulltime student, and i would like to request that they contact me by means of ONE debt recovery company only and not hound me at multiple firms, which they "agreed" to do, and said if i pay them on the day i can clear my account for £600 quid, which i don't have the fund to do. The only other option, they say, is £100 a month to a total of £1000 again seems extortionate to me. Contrary to this an email from Marshall Hoares then states the minimum they could accept would be £150 per month and that failure to accept these terms would mean further charges. I'm at my wits end, and would just prefer them to take me to court and have to justify their ludicrous charges to the judge, however i can't see that happening and it's likely they will continue to whack on huge charges and drag this on for months. Effectively just keeping me in debt and dragging me further into their cave.

 

I found this place a few days ago and though I would ask for some help.

 

Thanks all.

 

Lolzor

[rebel11]

Hi lol

 

Welcome to CAG

 

Well, the Doorstep Collector has broken the Data Protection Act by discussing your personal information with your dad. He's broken the OFT's Guidelines on

Debt Collection :- http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/OFT664Rev.pdf

 

Also broken Data Protection Act :- http://www.ico.gov.uk/for_the_public/the_acts.aspx

 

You should complain both to the OFT and ICO it can be done online. You should also report them to Trading Standards.