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    • Hi Tawnyowl here,i have been watching events over the last week or so as things develop. Labrat,such a sense of humour.😀 Hi honeybee13 . Sure does     Anti-fracking campaigners have reacted with concern to news that the British Geological Survey (BGS) signed a non-disclosure agreement with Cuadrilla over access to operational data. https://drillordrop.com/2019/08/24/suspicion-over-fracking-firms-secret-deal-with-geological-agency/   Cuadrilla has been accused of trying to downplay last night’s 1.6ML earth tremor caused by its fracking operation near Blackpool. The tremor, at 8.46pm, was the largest so far recorded at the Preston New Road site since fracking began there in October 2018. https://drillordrop.com/2019/08/22/living-in-fear-residents-respond-to-1-6ml-fracking-tremor/ Energy firm Cuadrilla said a 2.23-magnitude tremor was recorded at its facility near Blackpool at 11.01pm on Saturday – the third “micro seismic event” this week. While some local residents may have felt the movement, it was not strong enough to have caused any damage to property, the firm added.  Do you believe anything this company says. Like their so called micro seismic events you would think damage could have been caused to properties. Once buildings start shaking this must happen surely. I was approached this afternoon while at a cricket match. Just chatting way about this and that when the person said Did you feel the Earthquake last night. I had not even heard about it,tell me more i said. Lights and windows shaking moving around about a mile away on one of the North of Englands largest housing estates. And there are reports of many more people feeling this event covered on this link. Why should a community be put through this,waiting for the next one. People living around Cuadrilla’s shale gas site reported shaking buildings and windows last night from a 2.1ML tremor. This is the strongest seismic event so far induced by fracking at the Preston New Road site near Blackpool. It brings to more than 90 the number of tremors since fracking resumed at the site less than a fortnight ago. Within minutes of the tremor, there were reports that people had felt it from surroundings towns and villages including Blackpool, Weeton, Westby, Peel, Kirkham, Wrea Green, Great Plumpton and Lytham St Annes. Much more on the link. https://drillordrop.com/2019/08/25/call-for-fracking-ban-after-2-1ml-tremor-shakes-buildings-around-cuadrilla-shale-gas-site/   You might notice that the BGS has a page now for human activity causing Eartquakes-link Last updated: Sun, 25 Aug 2019 18:10:00 (UTC) This list contains seismic events for which there is strong evidence that they have been induced by human activities. It is linked to a database of seismic events and locations and magnitudes may change as events are re-analysed and revised. Background, tectonic seismic activity is reported on our recent earthquakes list. http://earthquakes.bgs.ac.uk/induced/recent_uk_events.html   I had better leave it there for now, more soon.,how will it all end because surely it will. Things cannot carry on much longer like this,can they? Bye for now. Tawnyowl writing from the Earthquake centre of Great Britain courtesy of Cuadrilla Fracking.
    • happy for mod to move it to suitable location under thread title Background: Thanks in advance for any thoughts you can share. This is a very long history, I appreciate your time. In 2011 I took out a £8500. loan from Borro private finance against art and jewellery to make ends meet. The agreements are attached below. This is a CCA. Borro regulated by the FCA. The interest rate is APR 68.8  % for 6 months.  I paid the interest and capital during the period term. On 3 May 2012  I renewed this loan at 79.4% interest for another 6 months.  Last week I requested all evidence the lender holds concerning the agreements. Missing are 03/05/2012 through 14/06 2013.( not under a SAR).  I fell into arrears on the loan and one piece of jewellery was sold, reducing the balance to £6400. Dec 2014.   The lender took a payment of interest £2044.16.  Renewed against the other items ( art etc) on this loan.  The new interest rate increased to 88.8%  . At the time the ring was sold, I requested all documents concerning the sale. Borro produced none. The ring is appraised at $17,5000.  £14,000.  The ring was sold for £3500.  I have an appraisal. I was notified prior to the sale. The ring was sold by "private treaty". I continued to ask for information about this sale until todays date. No information has been provided.  I took a huge loss . The ring is not clearly described on the inventory compared to the appraisal. Documents missing from Borro response to my request include 25/10/2014 to 10/04/2015. I was in arrears on this loan and a new agreement was made. The loan amount was increased to £10,810.00 and the interest rate decreased to  80%.  what is interesting is that the lender should have sold this ring, the value was sufficient to pay off my debts. But that is not what happened. someone got a deal on a nice ring.  II. ON 1, Jan 2012, I took out a second loan in the amount of £3000 against another piece of Jewellery. The interest was 68.8%. I paid the P&I on this loan.    Missing from the requested information is agreement from July 10/2012 until 12/12/2012.  I did pay interest during that period and on 12/12/2012 through 11/06/2013 I renewed  with an interest rate for 79.4 %.  I renewed on 04/07/2013 through 03/06/2014 interest rate 97.8%.  I renewed this loan on 03/01/2014 interest rate was 88.8. Take note there is very little description about this item. I redeemed the loan but ended up back in the pawn. 19/06/2014 to 18/12/2014 interest eat 94.5%. I renewed this loan again 19/03/2015 . Interest rate was 93.2%. Now there is a clearer description of the ring. Documents missing from Borro response to my request include 012/06/2013 to /10/2014 to 10/04/2015. Information on the  description is also scant until I took the loan out again in 2014. The last payment on either loan was March 2015. Default date was September 2015. The lender still has my property.   PROBLEM: In 2013, Borro became aware that the reason I had pawned these items was that I was a plaintiff in a substantial lawsuit in the US. I borrowed because I had lost my job. I was not able to work( I had been FCA regulated). I was facing eviction, had serious financial stability  and some mental health problems. I gave them a copy of the pleadings. They are aware that I had claimed these loans as part of my damages.  In 2015, Periodically I requested the accounting. Some was provided some was not. As a result, in  2016, the head of credit wrote to me " "Thank you for coming in to see me today. As discussed, we will freeze your accounts with us from today the 14th October 2016 until the 31st of December 2016. This will mean that no further interest will accrue until the 31st December 2016 and we will not consign to sale until on or after the 31st December 2016."  I did not hear from them again until  08 February 2017. On 30/03/2017 I responded to Borro request that I give them an update on the accounts. I wrote that I needed a settlement figure.  No response the following week I personally met with the manager I had been dealing with. She told me that " we are not going to sell your property". We understand that you have fallen on hard times, we are human. How long will it take you to sort this out. I responded about 2 months."   I did not hear from Borro again until I wrote to them on 18/03/2019 where I stated, " the last time we met you were going to give me a settlement figure". There was no response. As a result, on  18 March 2019 I sent  an email to - Subject: RE: Borro Accounts. Dear Lender. Hello. The last time we met, you were going to give me a settlement figure. Litigation is still ongoing. We have a potential investor that has asked me to get a figure from you. Depending on that number, I can let you know if I can pay the bill and collect my things in the next few weeks. Please get in touch as soon as possible". no response.   In early July 2019 I received a call from someone at Borro. It was not a good time. I asked him to call me back the following week. I did not hear from him again either. On  6 august 2019 I received an email from Borro that I should log into my account. I was unable to. The following week I wrote to them and in summary: On 13/08/2019 I wrote and included a summary of the events: I am writing to advise you that I am obtaining advice concerning the  account. You are aware that you have not pursued any further action on this account since approximately 2014(or earlier) . This is because I had an agreement with Name Deleted that Borro was not “going to sell my property,  I recited the above summary of events.   Certainly, I had no intention to give up valuable property for almost 8 years and pay interest and principal for this long. I want to develop a resolution to the matter between us. In order to achieve this, Please can you provide me with the following information which is attached in a spreadsheet: I need a very simple accounting and please answer the below: Any renewed loans where additional credit was extended through the re-appraisal of the assets ( ie using the asset as leverage) to extend further credit where the loan proceeds were applied to the loan for reinstatement purposes. What were the source of funds for the last payment made? Because I am seeking advice with a view towards finding a resolution, I would appreciate it if you could hold action on the above account for a period of at least 30 days to give me the time  I need to obtain advice. If you are adding interest or other charges to the account, I would be grateful if you would freeze these during this period so that my debt does not continue to increase. Please can you send me the enclosed spreadsheet and the documents you loaded into my account as soon as possible. This will enable me to obtain accurate advice. I will contact you again as soon as possible with further details of a  proposal to resolve the account. ( so far this lender has not complied with my request)   SETTLEMENT OFFER From: Borro Customer Service <Contact@borro.com> Sent: 14 August 2019 13:22 To: Subject: RE: Your Loan Account   Dear borrower. Thank you for your email and for getting in touch with Borro. As you would be aware there have been many loans with Borro, with two loans that remain outstanding which we are seeking to resolve with you. Given the significant period these have been overdue, the current balance on these two loans is almost £52,000 of which the majority is interest. In order for you to move on from this debt it is proposed to sell the collateral associated with Loan DIAMOND RING 175643 in full and final settlement and return all the items under Loan 198678 to you. This would generate a loss for Borro of approximately £49,000, however given your circumstance this is something we are prepared to offer. While I would love to pay Borro £3000. I do not currently have the funds. Borro is aware because I wrote to them on august 13 advising them i am not working. I do not want to lose my property. I need to find a way for them to walk away, give me my property back. WHAT ARE MY OPTIONS? Below are the questions I have or could raise in order to "negotiate with them". Is this a high interest short term loan? What are the effects of an CCA that has an interest rate of 93.6% and is renewed every six months? It appears that one loan was "Refinanced".  What FCA terms did they violate which might apply to this situation ? After the agreement expired and terms were changed, what rights does the PB have to collect further payments or sell the ring? Did they waive their rights to further payments? How can I use refusal to produce sale information concerning the first ring, to negotiate my way out of this? What is interesting is, they sold a £14,000 ring privately, concealed the buyer and other information, then turned around and INCREASED THE INDEBTEDNESS substantially. In fact they want to do this again, but this time are offering to  write off £49,000  in other interest. What am I missing? What effect does violations of FCA 6 and 7. help me to negotiate a settlement. Is the FOS effective threat to the firm to pressure a settlement? Does a cost cap apply to these loans and if yes what is the amount of the cap? How can I use the current appraisal and FCA or any other rules to stop them from selling the ring for less than market value? I have someone looking at the accounting to see if there are errors. found several when query. anything you can find that voids the agreements? Anything else you can think of THANK YOU!!!   RING.pdf art.pdf
    • I am so sorry I see the confusion now, I was meant to say CAB not CAG. They are just sending him letters to copy and send which doesn't seem helpful at all.    I also apologise for the vague details right now. I actually thought he had got rid of the car already until he mentioned it as he dropped me off home, so I've only got a vague idea myself, i just wanted to see if there was anything he could do other than send letters. I will get more details from him and update this thread, or get him to join as you have advised.  sorry 
    • It was a late payment, no default 
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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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If you don't mind me asking Fkofilee, how did this come about? As my OH is having problems with these and it's quite worrying as we live with my parents and I don't want them to get caught up in this? Thanks

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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.

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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.*


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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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Can anybody tell me what address is best to send a recorded delivery letter to toothfairy. I don't want to send anything to the PO box that they've advertise. Thanks.

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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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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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I've had exactly the same but I'm just ignoring it as its the first I've heard from them for over a year!

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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


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three threads merged to the toothfairy forum.

 

 

as this has been going on since 2011

safe to ignore

 

 

dx


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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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Post 17

 

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

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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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