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    • best bet is ask him for the error code.   dx
    • As l thought.    Sorry only following as l am trying to help neighbours sons with a first car. So info getting as much as possible. 
    • Hi CAG team,   I have been really messed around with the conservatory company called Frames and Conservatories, based in Bury St. Edmunds.   Back in June a representative came to my home and went through the final designs and confirmed to me that the start date would be middle of September and would take approx 2 weeks to complete.   Few days later I received an email to confirm the design and quotation for works.   I accepted the design and signed the electronic documents by email.    on 20th July, I signed the final electronic documents and on 26th July I received my order number.   On 18th August, Frames Conservatory surveyor performed the survey.   On 25th August, I received an invoice for "professional fees" £700, which I paid the following day.   On 1st September,  I received an email from the installation department stating, “The manufacturers have advised that it is not possible to have the large window as requested due to the side bottom opening windows being oversized. As discussed, there are a couple of alternatives which we could offer you and I have attached a brief drawing to enable you to understand what I was trying to verbally explain to you.”   The same day, I replied by email, accepting what the manufactures advise and went through the options suggested and picked one.  I also expressed my serious concerns about the weather due to the delay of the work process.  I also expressed concern regarding the appropriate insulation of our property during rain.  I said I am worried about potential damp issues.  I asked them to take my concerns seriously before works start as to avoid potential future disappointments.  On 4th September, I received updated drawings with the new window design and new electronic documents to sign.  I signed the documents the same day.   Since signing the documents no one from the company has contacted me.  I called and left several messages requesting that someone please call me back.   They never gave an guaranteed start date in September,  but the middle of September came and went and my efforts to get in touch were ignored.   On 14 October I managed to speak to the manager to complain about the delays and I was promised that the builders will come on (today) 18/10/21 at 08:00.   I took a few days of annual leave so that I am present for the 18th and the next few days to assist the builders but no one showed.   When I called the company office, they did not know why the builders had not arrived.  The manager said he would investigate and call me back.  I told the manager that I was not happy with the service I am receiving and that I no longer wish to proceed and that I want my money back.  The manager promised that someone will call me shortly.   After another conversation with the installation manager, I was promised that the builders will come on 20 October (Wednesday) Builder will finish in a week time and that the company will start the windows and the frames on Monday 01/11/2021. Estimated finish time 15/11/2021 (the earliest) or 26/11/2021 (the latest).    I also asked about the protection of the wooden floor. He told me that they are planning to cover that with plastic membrane and not a roof (I have to pay extra).  Of course he cannot guarantee for wall and floor humidity or further damage due to wet weather and the rain.    I don't want them to start on Wednesday - I have asked to cancel the contract but they are not listening.  They are just not listening to me at all. What else can I say to them?   As always, thanks so much for your help!                      
    • Hi Swales and welcome to CAG   Bannatynes tell users they require 3 months notice to leave but we always tell folk to challenge/ignore this.   I doubt you're bound to Bannatynes by vitue of the Virgin agreement.   Do as DX says - printed letter addressed to the Gym Manager :-   Dear sir or madam,   This is 30 days notice that I am cancelling my gym membership.   I will allow 1 final payment to be taken by DD, after which I will tell the bank to cancel the DD mandate.   Yours faithfully,   If they say you have to give 3 months notice, don't even bother arguing with gym staff.   Let us know if you get any demands from the gym or maybe ARC (their admin company).
    • Okay well I'm still not really following it.....as long as the second claim has a different claim number.   So first claim, number xxxxxxxxx was issued 08/03/2017  and the defence you are submitting now is claim number xxxxxxx issued on 09/11/20 ?
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Toothfairy Finance/Call Credit Default Notice


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Having just tonight checked my Call Credit report as a one off, I've noticed that Toothfairy Finance have registered a default against my name, however are they correct in doing so?

 

I've had a fair few problems with TFF/NDR/MHB in that they would not accept a repayment plan via my debt management agency nor would they then accept the repayment plan I was offering them. Finally I came to heel with a repayment plan of their choosing and have cleared the debt. In my honest opinion, there was a period of around three months where I wanted to pay but they simply made it an impossibility.

 

In short - I don't believe they've ever notified me of my default status, rather just consistently threatened me with "poor credit" (obviously - that's why I used them) and intimidation from an impending "visit" - what is my stance with this? Should they have provided me with a notice of my default and by rights can I get Call Credit to remove the default? Alternatively, being that this was settled months ago, should this not be listed as a satisfied default (for what little effect it has on your score)? Whilst I know that writing to the lender is the first port of call, I can't imagine Toothfairy to abide by any sort of rules set for them or to actually treat the question with general human decency.

 

It would also appear that they've searched against my name in recent months when I've NOT been searching for credit and when I've no longer had an outstanding balance with them - would there be any reason for this?

 

Thoughts?

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Just plowing through mountains of emails and it'd appear the nearest I would have to anything is this:

 

We have not received an offer we consider reasonable from your debt management company/advisor.

 

As per the OFT guidelines on Debt Management, from now on we are entitled to pursue you directly for payment of your outstanding debt.

 

You need to contact us within 24 hours on 08008620128 to come to an arrangement with us directly or we will pass your file onto third parties to pursue:

 

i) using third parties to recover the debt will incur fees for which you will liable

ii) interest continues to be added and is fully chargeable whilst we recover your debt

iii) your national credit file is being marked as being in default which will affect your ability to get loans in the future

 

Kind regards,

 

But a separate email preceding this contained the following:

 

As per the terms of the contract between Toothfairy Finance and yo urself (see http://www.toothfairyfinance.com/terms.html) instructing the Debt Collections Team will add a further GBP 150 to the balance you owe. Debt recovery agents will call at the addresses we have on file for you until they are able to successfully collect the sums you owe. If our debt recovery agents, after a reasonable attempt at the addresses on file, cannot successfully recover the monies owed by you, we will issue a claim against you in the County Court for the outstanding balance plus the further charges and recovery costs that have been incurred.

 

You should be aware that a County Court Judgement against your name will remain for 6 years on the National Credit Records (NCR) accessed by employers, insurers and banks and may result in:-

 

a) difficulties in obtaining future credit

b) difficulties in obtaining a mortgage

c) being questioned at a County Court as to your financial circumstances

d) any current employers being informed s o an application against your earnings can be issued

e) difficulty in securing future employment due to an adverse credit history and credit score

f) a Warrant of Execution and bailiffs being instructed

 

We will apply for a County Court Judgement followed by a Warrant of Execution and a Bailiff order to seize goods from your addresses to be issued simultaneously to the County Court Judgement. This Warrant authorises Certificated Bailiffs to seize goods at the addresses held on file for you (including what may be your family home). These goods will be taken and put up for sale at public auction until the total amount you owe is satisfied.

 

The initial cost of issuing a County Court Judgement is GBP 45, this will be charged to your account on the date of issue.

The further court costs includin

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no its better here.

 

if you did not resolve the default within the 14 days period [working days + postage - 4 2nd cclass - 2 1st class - upto 9 via ukmail]

then sadly they are quite correct to default you.

 

again sadly they only have to show a DN letter 'would' have been sent via an automated system, not WAS.

 

 

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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I had a horrible feeling that could be the case.

 

On another note, this was settled a fair few months ago (which they've acknowledged) and the current status is in default with some extortionate make-believe figure in the thousands (for a £200 loan). Should this not have been changed to settled or at best satisfied default?

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the whole PDL industry is under the authorities microscope at present

 

lets hope they do something about these penalty charges too

 

you cant have a satified default, it either there or not, as for the staus of the loan

thats anybodies guess

 

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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  • 2 weeks later...

Firstly can i make clear that I know i took the loan out fully accept that i owe money to this company. I took a £400 loan out with this company over a year ago well behind and couldnt make the repayment ended up goiong with first step finance to help to clear the debt...where i am now... still no where and a current debt of £2600!! this is because i was advised not to make contact with toothfairy and yet when i email the copmpany asking if they have got in contact first step finance i dont get a reply just loads of crappy emails ranging from that they have recieved notice that i have instructed a debt management company but not accepting this and will carry on adding 'interest' now saying that i am trying to defraud the company by not making payment......!!? surely when will this stop I have been to the OFT where i ahve been asked to provide a formal statement against toothfairy, and i forward all these emails now on to my contact at the OFT... I JUST CANNOT SEE LIGHT AT THE END OF THE TUNNEL!!!

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I got a loan from TFF and paid it back within 24hrs, I also gave them an additional 5 pounds. This was just over a month ago. They now say I owe them 221 pounds. Surely they do not expect me to pay this? Their whole process of canceling loan is a farce as they still expect you to pay the full intrest amount. Does anyone think I should pay these charges? What will they do if I dont?

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I got a loan from TFF and paid it back within 24hrs, I also gave them an additional 5 pounds. This was just over a month ago. They now say I owe them 221 pounds. Surely they do not expect me to pay this? Their whole process of canceling loan is a farce as they still expect you to pay the full intrest amount. Does anyone think I should pay these charges? What will they do if I dont?

 

please start your own thread

 

video below

 

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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Share on other sites

ah sorry

its another no sig thread i see

 

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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Share on other sites

GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT

read here

Credit Reference Agencies:Experian Equifax CallCredit

 

 

1. Single Premium PPI Q&A Read Here

 

2. Reclaim mis-sold PPI Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

5. Feel Bullied by Creditors or Debt Collectors? Read Here

6. Staying Calm About Debt Read Here

7. Thinking of a Full & Final Settlement? Read Here

my views are my own...seek legal advice if ness

NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone

- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.

rather than hittting to be my friend - hit the star

DX

Siteteam

rant.gif

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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Share on other sites

  • 2 weeks later...

Sorry to jump on your thread! - I took a loan out with Speed E loans before Xmas 2011, having paid back the £200.00 & the £57.00 Interest to them - They then contacted me on Boxing Day and said that payment had not been received. I then asked to send them my bank statement in which they said they could not receive emails and that the interest had accrued. They email,text and ring 3/4 times per day! I have had letters such as this below threatening me and now they are saying that the amount is little short of £1000.00 Where do these clowns come from - I'd like to get there directors and give them a good hiding! BY LETTER AND EMAIL Online payment ID: 3936348 Outstanding amount: 979 Letter of Instruction & Notice Reminder Reference: BAILIFF/INTR/3936348 Client: Speed Credit - Speed Credit Loan Client Ref: 3936348 Date: 28/02/2012 Dear Mr Corcoran, We are writing to give you formal notice that Speed Credit - Speed Credit 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 979) including any fees we incur collecting 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 584 Cash Transmission Fee GBP 5 NDR Accept Case File GBP 200 Missed Payment Fee 2 (day 43) GBP 10 Solicitors - Case Preparation GBP 150 Missed Payment Fee 3 (day 57) GBP 10 Missed Payment Fee 4 (day 71) GBP 10 Missed Payment Fee 5 (day 43) GBP 10 Repayments todate GBP 0 Total GBP 979 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 fo r legal costs and interest which will increase the amount you will be required to pay. 2. Warrant of execution will be applied 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 Speed Credit 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: http://www.marshallhoares.com OR 2. at bank either over the counter at the bank or by electronic transfer to: Barclays Bank Account Number: 93462382 Sort Code: 20-50-94 Reference: Use your mobile number (447733934343) as a reference 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 pos sible. This email may not be disclosed, used or copied by anyone other than the intended recipient(s). Any opinions, statements 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. COWBOYS - WE NEED ACTION TO CLOSE THEM DOWN

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Sorry to jump on your thread! - I took a loan out with Speed E loans before Xmas 2011, having paid back the £200.00 & the £57.00 Interest to them - They then contacted me on Boxing Day and said that payment had not been received. I then asked to send them my bank statement in which they said they could not receive emails and that the interest had accrued. They email,text and ring 3/4 times per day! I have had letters such as this below threatening me and now they are saying that the amount is little short of £1000.00 Where do these clowns come from - I'd like to get there directors and give them a good hiding! BY LETTER AND EMAIL Online payment ID: 3936348 Outstanding amount: 979 Letter of Instruction & Notice Reminder Reference: BAILIFF/INTR/3936348 Client: Speed Credit - Speed Credit Loan Client Ref: 3936348 Date: 28/02/2012 Dear Mr Corcoran, We are writing to give you formal notice that Speed Credit - Speed Credit 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 979) including any fees we incur collecting 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 584 Cash Transmission Fee GBP 5 NDR Accept Case File GBP 200 Missed Payment Fee 2 (day 43) GBP 10 Solicitors - Case Preparation GBP 150 Missed Payment Fee 3 (day 57) GBP 10 Missed Payment Fee 4 (day 71) GBP 10 Missed Payment Fee 5 (day 43) GBP 10 Repayments todate GBP 0 Total GBP 979 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 fo r legal costs and interest which will increase the amount you will be required to pay. 2. Warrant of execution will be applied 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 Speed Credit 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: http://www.marshallhoares.com OR 2. at bank either over the counter at the bank or by electronic transfer to: Barclays Bank Account Number: 93462382 Sort Code: 20-50-94 Reference: Use your mobile number (447733934343) as a reference 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 pos sible. This email may not be disclosed, used or copied by anyone other than the intended recipient(s). Any opinions, statements 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. COWBOYS - WE NEED ACTION TO CLOSE THEM DOWN

 

 

 

start your OWN thread and add line breaks

 

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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