N d r / marshall hoare bailiffs

[scousemouse11]

Hi all

i am hoping someone can advise me i stupidly

took a payday loan with speedy dosh and could

not afford to pay it back i offered to pay monthly

but they refused i am now constantly being

harrassed by ndr and marshall hoare bailiffs

the original loan was £150 i offered to pay off

the original but no joy they are demanding £600

or i will be getting a visit from enforcement officers

i don't want this as i am currently living with my

parents they said they would accept nothing less

than £50 a month but i cannot afford it what do i do

i did telephone o f t and trading standards they took

my details but i have heard nothing else from either of them

[scousemouse11]

I have now had a email saying they are taking me to court and that

they have added a £10 fee for a letter i don't know what letter

because i haven't had one from them

What do i do now

[renegadeimp]

They will accept nothing less? Pity they can only accept what you can afford. They are not allowed to demand repayments that will leave you with no money or put you into hardship.

I wouldnt worry about court as you wil be able to submit a defense, and put your full side of whats happened. WHen the judge sees that you have tried repeatedly to get a plan set up, and theyve refused and added more charges, it will be them who will be in trouble.

 

Also note that the letter/email you got is a scaremongering letter, plus IIRC it has to be sent by letter. Not by email. Also, with the thread of a doorstep collector, theres a very simple letter that can get rid of this worry.

 

If you like, i can write out a letter for you to send them.

[scousemouse11]

Thank you for your reply i am really worried about this

i can afford £35 a month but they are refusing i have

tried asking speedy dosh to consider a payment plan

as i refused to deal with their collection agents but

they are refusing to set up the plan and basically

told me to deal with the collection agents

[renegadeimp]

Dont worry at all. Even if it goes to court (which is a long way off) you can put a defense in saying that you have repeatedly contacted them to set up a repayment plan, but they have been bullying, harassing and prefer to stick on more charges. When you prove that you genuinely cannot afford the repayments, the judge might even say £1 a month repayment is adequate. You could even enter a DRP if you have other debts and then they will only ever get £1 a month.

 

As i said, the DCA is bullying and harassing you into repaying an amount you cannot afford. I'll write up a simple letter in a few for you to send them by RECORDED DELIVERY letter. If they still dont take notice, then my suggestion would be to let them send it to court. You can then enter a defense which will force both the DCA and the PDL to send a representative out to explain themselves.

 

The DCA hope that you will pay the amount they demand, or that you wont defend yourself in court so they can win by default. You'll find that once you tell them that you will defend yourself in court and have lots of evidence to show your side of the argument, that they will back down and try to settle out of court.

 

You also need to get a full complaint into the OFT and FOS and will the MP Stella Creasy who is doing an investigation into PDL's and their DCA's.

[scousemouse11]

I have just had a email from speedy dosh telling

me not to contact them regarding this matter

and if they recieve any more emails from me

they will forward them to their collection agents

i asked them for the email address for the collection

agents as i cannot find one but i have had no reply

[renegadeimp]

Then until you get an email or better still a physical address, keep contacting the PDL.

 

By the way. Since they have said they are bailiffs, yet they havent been to court for the debt, im thinking that its actually a subsidiary of the lender thats contacting you. Not an actual DCA.