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    • Tell your electrician that they won't have to attend court. A simple statement accompanied by a statement of truth will be more than adequate and they won't hear anything more of it. Tell them that you will have to referred to in court anyway but a written statement will help a lot
    • Claimant: Lowell Portfolio I Limited Our Client: Walker Love Walker Love Ref: Original Lender: Balance:   We have been instructed by our client that you have failed to repay the sums due in respect of the above account. Your Agreement with our client is terminated, which means the balance outstanding is due and our client requires your proposals for payment. Please treat this letter as notice that, unless an agreement is reached within 7 days of the date of this letter, we are instructed by our client to commence court proceedings against you for recovery of the sums outstanding. This means that you may have a Court Decree registered against you. Any Court Decree registered against you may affect your ability to obtain credit in the future. If court action proceeds, we are also instructed to seek legal costs in addition to the sum outstanding from you in order to cover any outlays by our client in having to raise court proceedings If a Decree is obtained then we may be instructed to enforce that Decree which may include an application for an Inhibition against you. This will have the effect of preventing you from selling or granting any further securities against your house, or any land that you may own in Scotland. Rather than issue court proceedings our client would prefer to find a suitable solution to enable you to repay the sums outstanding to it.   To discuss how best these outstanding sums can be repaid please contact Walker Love within the next 7 days by telephone on 0330 678 0335 or by email at contact@walkerlove.com Proposals   Our client may be able to agree to accept less than the sum outstanding in settlement of the sums due from you or, if this is not an option for you, to agree regular payment instalments with you, based on a review of your financial circumstances.   If you need to seek advice then you may wish to contact one or more of the organisations listed below who are able to provide independent advice to you. Yours faithfully   +44 (0)3700 863 000 | www.shoosmiths.com
    • Received another letter today  from shoosmiths    saying they have been instructed to act etc 
    • Answers to Stu's questions: 1) I live in a communal building and so therefore I originally assumed that it was a communal dish for the entire building, although I have not heard anyone else complain about this. I am probably the only person who lives here that actually has Sky and so the only person who uses the dish in question. There is another dish on the same side of the building which is a bit below that one towards the corner of the building, but I know which dish serves my flat as it was directlyt above where the scaffolding originally was. When I saw the blue screen on my front room TV I immediately telephoned my local Housing Association, although since then it has mostly been email contact in the past six weeks. 2) I don't personally own the dish myself as it was already there when I moved in here back in 2014 - as a matter of fact, I didn't even know which dish served my flat when it came to receiving satellite TV channels on my Digibox. I believe by implication that Sky must have installed it instead. At my old place which was a council house before I moved here, I had a Sky dish installed which was my own (a bloke came one Sunday morning back in 2005 to do the honours) , although I left it behind when I moved so that the next people could use satellite TV,  and also due to the fact that there would already be a satellite dish at the back of the building at my new place as well as a satellite socket on the wall at the back of the TV and so therefore I didn't need to take my old one with me. My Digibox and my account came with me when I moved to my present address. I would also like to say that the workman who was working on putting the satellite dish right will be returning on tomorrow - Wednesday 26th June 2024 to finally correct the dish via a cherry picker and so for the first time in six weeks, I will have proper TV again in my front room! I will post again once more on this thread to let you know that it has officially been done. Meanwhile, I have everything crossed for tomorrow that the satellite TV will be back on again, because he had been let down twice already. Wednesday is Day 44 of this charade, and hopefully the final day of it as well.             
    • Thank you for all of your consideration and time on my case The revised letter is fine and approved at this stage. As far as I kno neither the toilet or basin were replaced, the holw referred to by the calimant was an access point to a stop tap that couldnt be moved due to the location at below floor level in the garage A few minutes ago i gothome to a posted hard copy of the claim the original respond date was 4pm 9thJuly  In the same post delivery I recieved a further letter showing an additional 14 days for response to 4pm 23rd July I altered my copy of the claim form posted  earlier so that we were all ware of the revised date Spoke to my electrician earlier and she is considerring whether to put it in writing in a statement of truth She doesnt like confrontation and may not.  Follows from email 20th may   The door frames, where it’s all not fitting correctly with gaps and warped timber used.  A relatively simple fix  £25 . Skirting boards on the curved parts where it’s been filled with a filla and not even been smoothed out.  as above £25 . The architrave isn’t joining correctly with one piece with a cutting taken out of it. ive not seen this so cant comment but a simple fix . Sliding door, no stopper was used to stop it going all the way back and isn’t aligned to the floor. a door stopper was fitted The door slides fully into the pocket to maximise a very tight access witha 2ft 3" door . The extractor going into the boiler where a round tubes been used to an oblong pipe. It’s also held on by gaffer tape.   not a good standard and an easy fix £25 . The window hasn’t been packed correctly and one opening window isn’t aligned. an easy fix it took 1 minutes on my return from holiday . One piece of flooring isn’t sitting flush so will damage very quickly. I hadnt seen this,  the flooring supplied by the c,aimant was apoor quality Bnq with click systme that didnt lock weel so a boad may have risen up again an easy fix to replace one board £25 The toilet is far too close to the radiator and you can’t get up if sitting down. The defendant showed the claimant the size of the room right at the beginning and had discussions about it being a tight space I supplied a short reach pan to maximise space. Difficult to change probable cost £2-300 or more dependong on the final position . The stop tap I cannot get my hand in to be able switch the tap off.  I cut  a hole in the bottom of the basin vanity unit I wsnt particulalry pretty but I have large hands and could turn off the stop top it was below floor level as mentioned earlier  £25 to make hole even bigger . The window you are aware of that’s cracked and you are replacing.  this was carried out by the defendant, appointment on 10th June on return from holiday    The claimants email of 10th june shows an extended list of items that his builder carried out in claimants absense while I was on holiday and without my consent  Quality of skirting board that was fitted around the curved wall inside the bathroom and also in the lounge.  see above . Toilet fitted too close to the radiator where you could potentially burn your leg Claimant shown this at outset I cant  comment too much as I have no measurments see above . Hardly no space for you to get off the toilet when sat down, especially if you are tall.  This was pointed out prior to fitting the floor . The hot and cold feed were incorrectly placed to the wrong connection on the sink  Easy 5 minute flexible pipe swap over £10 . The vanity unit isn’t suitable due to the position of the stop tap. Small hole cut in the vanity unit base to try and switch the tap off  see above . No caulk used around the door frames  easy fix £15 . The extractor fan, where you used a plastic round tube, going to a square tube that was held on by gaffer tape. The square tube then went into a round hole on the outside, this was then filled with foam gap.  Easy fix £25 . The pocket door felt like it wasn’t fixed well, the door at the bottom wasn’t sliding on to the runner very well and you had to help it onto the run. Also no lock on the door.  a relatively easy fix £25 . The boiler door frame had to be replaced due to the timber that was used. The door also was replaced due to the door being fitted to fix into the twisted door frame wood. The door had been shaved so it would fit into door frame that was twisted.  I wasnt aware of this prior to my holiday The architrave used inside the boiler room was short, had a piece taken out of it. The architrave in the toilet wasn’t fitted well.this is subjective . You used two single sockets for the bathroom and boiler room. Where I only needed to have I double switch. I fitted a 2 gang light light switch . The door frame going into the garage you left gaps between the wood and the wall.  maybe required a little filler of quadrant bead£10 . Door handle not fixed correctly and is stiff  easy fix £5 . The window, one opening window doesn’t look level, the other you can’t open it and leave it slightly open in a lock position  fixed by me on my return . Skirting by the radiator, the hole had been cut too big and had just been filled with filler.  ?? £10 to make good? . One plank of flooring wasn’t fitted flush and my toe caught it sitting upwards. poor quality flooring supplied by claimant an easy fix £25   All pricing is subjective as I didnt have the chance to  look at the complaints   Except for moving toilet and replacing pcoket door all snags are relatively minor items That could have been easliy remedied Interestingly he doesnt mention taking out the pocket door wall, lifting up the floor to move the toilet replacing drains and making new wall      
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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How to Deal with Toothfairy finance?


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Have been ignoring my 6 Payday loans and 4 other debts for several months now, the other companies don't appear to have put disproportionate amount of interest on to the debt but my Toothfairy loan has gone from the original amount of £300 up to £1438 since I took the loan out in late July and I get this email from them every 5 days:

 

We are writing to give you formal notice that ToothFairy Finance Ltd - ToothFairy Pay Day Loan has legally assigned the rights of the above debt to Marshall Hoares Bailiffs. This means that Marshall Hoares Bailiffs Limited now legally own this debt.

 

YOU WILL HAVE OR WILL SHORTLY RECEIVE A HOME VISIT

 

We intend to pursue you fully for all outstanding sums (GBP 1438) including any fees we incur collec ting this debt. Payment in full must be received no later than 17:00 to avoid further door collection fees being added to your file. DO NOT IGNORE OR THIS WILL COST YOU MORE

 

Debt GBP 1408

Missed Payment Fee 1 (day 29) GBP 10

Missed Payment Fee 2 (day 43) GBP 10

Missed Payment Fee 3 (day 57) GBP 10

 

Repayments todate GBP 0

Total GBP 1438

 

TAKE NOTICE: You should accept this letter as formal notification that unless payment is received within 4 days then your account will be fast-tracked and considered for the following:

 

Consequences of inaction:

1. Court Judgement legal action will be automatically started in the County Court for recovery of the full amount outstanding. Any such proceedings will include additional claims for legal costs and interest which will increase the amount you will be required to pay.

2. Warrant of execution will be app lied for to enable us to seize goods at your addresses and or an attachment of your earnings.

3. Register of Judgements any judgement will be entered in a public register, the Register of Judgements, Orders and Fines Credit Reference Agencies, who will supply them to credit grantors and others seeking information on you financial reputation. This will make it very difficult for you to get credit.

4. Credit reference ToothFairy Finance Ltd have already advised the Credit Reference Agencies of your DEFAULT. This may seriously affect your ability to obtain credit in the future. Once the balance is paid in full, only then will the default be shown as “Default Satisfied”.

 

To AVOID A HOME VISIT or further action you should PAY IMMEDIATELY

 

1. online using a card by visiting:

 

www.marshallhoares.com

 

OR

 

2. at bank either over the counter at the bank or by electronic transfer to:

 

Barclays Ba nk

Account Number: 93462382

Sort Code: 20-50-94

 

This debt will not go away and should not be ignored

 

You can contact us on 08433811111 to discuss your outstandig debt.

 

Yours Faithfully

 

 

Anti - Fraud

Marshall Hoares Bailiffs

Telephone: 0843 381 1111

 

 

The content of this email should not be considered as an acceptance of any offer unless we previously review and expressly approve in writing your terms and conditions relating to the subject matter of this email.

 

The information in this email is private and confidential. If you are not the intended recipient(s) or have otherwise received this email in error, please delete the email and inform the sender as soon as possible. This email may not be disclosed, used or copied by anyone other than the intended recipient(s). Any opinions, statem ents or comments contained in this email are not necessarily those of Marshall Hoares Bailiffs Limited. If you wish clarification of any matter, please request confirmation in writing.

 

Marshall Hoares Bailiffs Limited.

Registered Company No.: 6871092

Consumer Credit License: 631168

 

We take precautions to minimise the risk of this email containing a software virus but you should use virus checking software.

 

 

 

How should I even begin to deal with this lot as from looking in this section of the forum they don't look very easy to deal with

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Same thing with me for MHB... they are inhouse DC,

 

I would ignore them... they wont take you to court, they pounce on innocent people who dont stand up for themselves and dont know the law... I had a case with them in which they had to wipe the whole loan clean and i only paid Capital and 1 months interest :)

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  • 1 month later...

i took a payday loan out with them for £200 in june 2011 paid them £226 i owed £5 which i then thought nothing else about it until i stared getting emails in november saying you have failed to pay back your loan then i read down the email it said you have occured interest and charges the total you now owe is £1925.17. for owing £5 its jumped up £1920.17 that is a complete joke. since then i entered a debt relief order in november 2011 for my other debts which this 1 was included up till today it has now jumped up to £2625.17 and they want me to send a copy of my debt relief order which i have done 4 times by post and via the toothfairy finance website aperaently they cant red my document i have sent it in every file format possible. this company is the bigest joke you will ever see and a pack of cowboys. i have taken it to the fsa, trading standards and my friend who is solicitor who is now pursuing them for harrasment. if they call dont answer they cant do nothing to you as they wont appear on your credit report.

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i took a payday loan out with them for £200 in june 2011 paid them £226 i owed £5 which i then thought nothing else about it until i stared getting emails in november saying you have failed to pay back your loan then i read down the email it said you have occured interest and charges the total you now owe is £1925.17. for owing £5 its jumped up £1920.17 that is a complete joke. since then i entered a debt relief order in november 2011 for my other debts which this 1 was included up till today it has now jumped up to £2625.17 and they want me to send a copy of my debt relief order which i have done 4 times by post and via the toothfairy finance website aperaently they cant red my document i have sent it in every file format possible. this company is the bigest joke you will ever see and a pack of cowboys. i have taken it to the fsa, trading standards and my friend who is solicitor who is now pursuing them for harrasment. if they call dont answer they cant do nothing to you as they wont appear on your credit report.

* Please be aware that just because a debt is not on the individuals credit files, does not

mean action to collect the debt is not possible.

After 6 years with no written payment or acknowledgment the debt becomes statute barred but still exists, and unless the debtor informs the creditor that the debt IS statute barred and therefore they will

not be paying action to collect the debt short of enforecement can still take place.*

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 2 weeks later...

I took out a loan with them for £300 last November and now they're trying to collect £1,014.00 from me! Of all the creditors I've dealt with, they are the most abusive, unethical, unprofessional bunch of B------s. They've sent me emails and letters without even the breakdown of their charges, and have been threatening and rude in their tone. I will be reporting them to the OFT and FSO. If I were you I should do the same. This company should be put out of business for preying on poor and hapless people like us!

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TFVCzP.jpg

 

Look at the man who owns them ^__^ ... Yes... they are how they are... complain to them.... let the send a letter of deadlock and then when that happens... OFT TIME ^__^

 

Ive ignored them as im still getting emails for something i thought was settled.... total amount is currently £1700...

TFF wont take you to court because there "legal buffs" dont have a valid explanation for continuing to charge interest....

 

It is actually against FSA & OFT guidelines to continue to charge interest on a debt that doesnt reflect true costs of DCA (Debt Collection Action) in which said interest is not a true reflection of collecting the debt... Ask them over the phone and via letter if this is the case (hehe) :jaw::-D

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hmmmm.... not sure the PO box is a good idea mind.... or hunt around the forums...

 

Out of interest.... I wonder just how sound these companies are.... my friend just applied for another wonga loan.... using the same detail he used a year ago for it... He showed me his overdue account and he owes 600£

 

He has just been accepted for another one and they have paid out.... ?!?!?!

 

Would it surprise me toothfairy might do this? I doubt they would surprise me but i think they would do it...

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  • 2 years later...

I had loads of payday loans and paid them off, I did not pay off Toothfairy finance as they were trying to charge me extortionate amounts and were aggresive when I tried to deal with them.

 

I have ignored them but have noticed recently that I have been getting emails from DHR Capital, They have sent me the following today and I am not really sure what to do with it, any suggestions would be appreciated;

 

Notice of Assignment

 

 

Broxton Old Hall,

Chester

Cheshire

CH3 9HS

 

 

Date: 19-Dec-2014

 

Dear Customer,

 

Loan ID:

DHR Capital Limited is writing to notify you that it has appointed Capital Resolve Limited, a Debt Collection Company (Interim Permission Number 376968) at the below address to collect the amount outstanding on your ToothFairyFinance Ltd loan.

 

If you wish to get into contact to discuss your loan, please call Capital Resolve Limited on 01386 425400 or email them on . Please note that there will be a ch ange to the payment methods. You are further notified to direct all payments to the undersigned:

 

Capital Resolve Limited

Fountain Court Vale Park

Evesham

Worcestershire

WR111LS

 

Barclays Bank PLC

Bank Account Number: 00604178

Sort Code: 20-98-61

 

 

 

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

 

Yours faithfully

-------------------------------

Justin Bannerman-Lloyd

Director

DHR Capital Limited

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  • 2 years later...

Haven't heard from them for 2 years then they appear again,

Anyone else had this?

Any thoughts on advance collections as there doesn't seem to much on them here?

 

 

My original debt was about £200 and its from 2009 or 2010...

 

Re: £Stg800.00 outstanding to our client DHR Capital Limited remaining from your loan with Tooth Fairy Finance.

 

We have not received a reply to our previous notice concerning the above outstanding matter.

 

This matter must be concluded and you are required to contact our offices immediately to either arrange settlement or advise of any other reason which is preventing you from making payment.

 

Please call 01707 252 909 or use live chat to arrange payment or discuss this matter with an account manager. Alternative payment methods and other information are listed below.

 

If you would prefer to deal in writing only

please email your offer or enquiry to collection@advancedcollectioncouk

 

Our company operates a 'Treating Customers Fairly' policy and our trained account handlers will ensure any proposals or enquires are resolved in a reasonable and fair manner.

 

Failure to respond to the notice may result in further action being commenced to recover the amount claimed. We trust further action will not be required and we look forward to hearing from by return.

 

Yours sincerely

 

Alan Peters

Collection Department

 

Ways to Pay

 

By Phone - call us on 01707 252 900 to make a payment using your debit card. If someone is paying on your behalf, or you are using their card, please ensure that they are available to authorise the payment.

 

By the Internet - visit advancedcollectioncouk/payonline You will need your account reference number

 

By Online Banking - you can use your online banking service to make a payment to:Sort Code 20-92-54 | Account No 10060291. Please quote your ACS reference to ensure your payment is allocated correctly.

 

At Your Bank - pay over the counter at any branch of your bank, building society or Post Office, quoting your reference and account details as above.

 

By Cheque - made payable to ACS Limited and sent to our offices at:Steele House, 126 Great North Road, Hatfield, Herts, AL9 5JN.Please ensure your ACS reference is written clearly on the back of the cheque.

 

By Pingit - you can use Barclays free Pingit service to make a secure payment fromyour mobile, even if you don't bank with Barclays. Just launch the Pingit app onyour mobile phone and use the short code PINGITQZQ910.

If you don't have the app you can download it by texting Pingit to 62555.

 

In Financial Difficulties?

 

If you are having difficulty paying, please contact us as soon as possible. Ignoring your situation won't make it go away and we may be able to help.

 

There are also lots of organisations* that can offer independent advice about debt. Here are a few:

 

Business Debtline | bdl | Freephone 0800 197 6026**

 

Step Change |stepchange | Freephone 0800 138 1111**

 

adviceguide

 

Advanced Collection Systems Ltd, Steele House, 126 Great North Road, Hatfield, Herts, AL95JN

Tel: +44 (0) 1707 252900 Fax: +44 (0) 1707 252901 Email: admin@advancedcollectioncouk

Authorised & regulated by the Financial Conduct Authority under licence number 664331

Registered in England & Wales at: Steele House, 126 Gt North Road, Hatfield, AL95JN. Co No: 4096010

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as a dca they are totally toothless

they are not bailiffs

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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three threads merged to the toothfairy forum.

 

 

as this has been going on since 2011

safe to ignore

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...

Received the same email as Jack and then received a phone call asking for payment. I stated that I previously made payment but couldn't find it in my emails as the loan is over 5 years old and haven't had any contact for 4 years. I have also changed banks since then and my old bank Nat West said they have no transactions for me on their system. What action if any do I need to take?

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Post 17

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Should have read the posts first, just thought I would post after watching the BBC documentary.

 

Understandable...

 

All i would say with tFF debts, they have been going round the houses for years... Somebody would have done something with them now dontyathink?

Plus TFF doesnt exist anymore... Any chance of paperwork etc... Nonexistant! :p

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