advice needed

[ianhere66]

i had a loan for £200 from toothfairy nearly 12 months ago,

i missed the pay date due to my wages been cocked up,

so they added some charges ,

 

i called and said it would be there the following friday,

 

but they tried to take it out on the tuesday, wednesday and thursday, ,

the funds weer'nt there so i was charged 3 times by them that week and also by my bank,

 

to cut a long story short, the payment was so big that i couldnt pay it all in one go ,

we arranged a payment plan of £40 pw till i had paid off the nearly £500 .

 

everything was going fine until my wages went in a day late due to a bank holiday,

i called ndr and told them what had happened and that there would be £120 in my bank foir them in 3 days,

this would be the week i missed, the current week and the next week,

but asked them not to take anything out of my bank for the next 2 weeks

as i would be up to date and it would give me time to get straigh.

 

they took the £120 on the tuesday and then £40 on the thursday that left me short to pay other bills,

ive spoke to toothfaiyr, ndr a cpl of times to try and sort something out but i end up hanging up on them and will not talk to them on the phone,

i find them very rude and intimidating,

 

my loan now is £1,560, ive paid £200 off the original loan that should of been £275 in total but theres over £1,300 in charges,

 

ive just had an email and letter saying they are going to pass my file onto the anti fraud police as they are sure i gave wrong details,

they have my address, email, and mobile number,

 

id dint give them any false information,

 

ive asked for a new payment plan but they refuse,

they want the whole £1,560 in a one off payment,

god knows what im going to do,

 

are the charges legal and any bit of advice will be helpful,

ive been to the cab but they arnt much help ,

 

im not botherd about the baliffs as i live with family and dont have anything they could take,

and im not really worried about the police as ive nothing to hide,

im just worried about the size of my debt

[Phil2287]

ive just had an email and letter saying they are going to pass my file onto the anti fraud police

 

This seems particularly odd. Why would they assume the details you have provided are false?

 

Can I ask you to clarify the full name of the company? I've had a look on companys house and found this:

 

Name & Registered Office:

TOOTH FAIRY LIMITED

LADYWELL HOUSE

BAR ROAD

BASLOW

DERBYSHIRE

DE45 1SF

Company No. 04697894

 

 

Status: Active - Proposal to Strike off

Date of Incorporation: 14/03/2003

 

Country of Origin: United Kingdom

 

 

Also, can you check your agreement for their APR?

 

Phil

[dx100uk]

woe

 

backtrack a bit here

 

there will nEVER be ANY bailiff or police involved

 

its CIVIL debt endoff

 

i suggest tyou phone you bank

tell them you card security has been compromised

and that toothfairy have been taking money out when not autorised to do it.

 

if it was all by the card number DEMAND IT BACK

by using

 

http://whatconsumer.co.uk/visa-debit-chargeback/

 

write to them [your bank]

 

SPECIFICALLY telling not to honour anymore payments to toothfairy.

 

We have been telling people to put a letter into their bank instructing them not to make any payments under any circumstances to these companies

 

http://whatconsumer.co.uk/visa-debit-chargeback/s - it works!

 

banks MUST follow written intructions from their customers !

This fsa guide has now been updated:

 

http://www.fsa.gov.uk/pubs/consumer_...ghts_guide.pdf

 

Here's the text:

 

Cancelling a regular

card payment:

 

When you give your credit or debit card

details to a company and authorise

them to take regular payments from

your account, such as for a gym

membership or magazine subscription,

it is known as a ‘recurring transaction’

or ‘continuous payment authority’.

These are often confused with direct

debits, but do not offer the same

guarantee if the amount or date of the

payment changes.

In most cases, regular payments can

be cancelled by telling the company

taking the payments. However, you

have the right to cancel them directly

with your bank or card issuer by telling

it that you have stopped permission for

the payments. Your bank or card issuer

must then stop them – it has no right to

insist that you agree this first with the

company taking the payments.

Be aware, though, that you will still be

responsible for paying any money that

you owe.

 

 

...............

 

now the charges

 

they are a penalty and are UNLAWFUL

 

i'd not pay anything more to them

 

they'll never go near a court and have been warned about this behaviour by the authorities before .

 

as for phonecall STOP TALKING TO THEM ON THE PHONE

 

you have NO LEGAL OBLIGATION to speak to them AT ALL.

 

everything in writing.

 

start to get a papertrail on them

 

then you'll be able to hit them in court.

 

dx

[ianhere66]

its becuse i wont answer my phone to them and ive already told my bank not to pay them, as they are taking money out, or trying to 2 or 3 days before its due date, i will not speak to them, i feel like dragging them through the phone, they are getting an agency to check that the IP address i made the application from matches the address i gave them, it all sounds a bit much to me but thats what the letter says

[ianhere66]

the letter threatening the police was from NDR they have given me 3 days to contact them, i just want rid of them but i am not going to pay nearly £1600 in charges and interest

[Phil2287]

Well for all they know you could have made the application from someone else's computer, a public library, or any multitude of locations.

 

Is this a professional set-up, or some sort of Mickey Mouse company with a 'Phil Mitchell' character at its helm?

 

I would disect your agreement with them. Challenge - in writing - each and every additional charge. Their conduct. Their professionalism - or lack thereof - and commence a formal complaint. Firstly, within the company (although I doubt you'll gain much, if any, ground with that) and then perhaps escalated to a governing body?

 

Phil

[dx100uk]

the letter threatening the police was from NDR they have given me 3 days to contact them, i just want rid of them but i am not going to pay nearly £1600 in charges and interest

 

sorry you have a letter accusing you of fraud and they are going to send the police around

 

what because you wont pay their unlawful penalty charges

 

really

bet the OFT would like to see that.

 

scan the required letters/agreements/sheets

as a picture[jpg] file

remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

 

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf

than many single ones

or if you have PDF as an installed printer drive use that

or use word and save as pdf

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

then hit reply button

dx

[ianhere66]

thanks i will do if i can get my head around all that, im just reading the letter again , NDR say we have been passed your file by our client toothfairy , this has been fsat tracked to us as we have reason to believe you have supplied our client potentionally FRAUDULENT information in order to obtain credit , this is a SERIOUS matter that must be dealt with IMMEDIATELY,, FAILIURE TO DO SO MAY lead to this matter been passed to the police fraud squad

[Phil2287]

That seems like a bit of an amateurish letter to be honest. I'd like to see it uploaded, with your personal details removed, etc.

[ianhere66]

i will see if i can do it , if not tonight i will do it when i get home in the morning

[ianhere66]

[ianhere66]

dont know if you can make this out

[dx100uk]

cant read postage stamps

follow the guide i sent,.......................

 

dx

[ianhere66]

try this

[ianhere66]

no didnt work i will scan it 2moro on my days off cant get to scanner at work, sorry

[dx100uk]

attach a pdf!!!

FOLLOW THE GUIDE ^^^^^^^

dx