speed credit loan / written off / cleared

[tinkerbell_2k12]

I had a chuckle at the door collection hobby lol

 

They cant justify the charges everytime ive asked for them to be justified they ignore my requested. Have you gettin anywhere with fos yet boxer?

[thaiboxer24]

I'm just updating the FOS and the OFT with the replies im getting from our friend, I think I have another 2ish weeks or so before I can do the appeal thing, but tbh i am having far too much fun with Joseph:wink:. Yesterday I told him that I will be making monthly token payments of £1 pcm until the full £354 is paid off unless he starts being reasonable and that it is the doing of his actions for being so shady and can't even be honest

[thaiboxer24]

How is your situation Tinkerbell?

 

Apparently Toothfairy are going to take £54 from my account tomorrow morning - yeh good luck lol

[Nao]

Clearly they are in cookoo land. Who is adam franks he states he is the door collector ! Nice hobby collecting doors lol

 

Honestly, I'd just reply like for like, pretend to be Eve the Door Saleswoman:whoo:

[rippedoff15]

Copy of emails :

 

Ref: Speed Credit – Speed Credit Pay Day Loan* /

Dear Mr

You need to start making payments as a matter of urgency.

It is quite simple. The more you pay and the more quickly you make payments the more we will be able to drop the fees that have been added to your file.

You currently owe including all fees 883.

This will CONTINUE TO RISE as it goes to your Local County Court via Marshall Hoares Baliffs.

We would prefer to come to an amicable arrangement so we suggest that you INFORM US TODAY OF THE AMOUNT you will be able to pay and when.

Any payment offer which is too low will simply lead us to go automatically to Court to secure repayment of the debt. We will apply for a Warrant to seize goods or an attachment of earnings. WARNING: This judgement will affect your permanent credit file shared by all lenders, affecting your ability to borrow in the future.

Remember, the more you pay and the more quickly you pay it, the less work we need to do in monitoring your file and therefore themore we can reduce the fees added.

Act now and we will be able to stop your credit file suffering any further.

If we DO NOT HEAR from you today then we will have no option but to take this through your local County Court. We will seek a Warrant of Execution to instruct Bailiffs to seize goods and seek an attachment of your earnings. You will be liable for full fees and further Court and Bailiff costs.

Act quickly to avoid extra costs.

Yours Faithfully

Adam Franks

Door Collections

Marshall Hoares Bailiffs

Telephone: 0843 381 1111

 

Dear

I am afraid we are unable to deal with your query by email.

Please call one of our operators on 08433811111 who will be happy to discuss the circumstances around this with you.

Yours Faithfully

Jonathan Fowler

Door Collections

Marshall Hoares Bailiffs

Telephone: 0843 381 1111

 

shame they have not confirmed that i have emailed and wrote, maybe the door collector whats my front door !

[Nao]

You could be tempted to think they have an internal contest for who can fit the most oft guideline violations in one email.

 

Get that email to the Oft, fos, Trading standards and Watchdog.

[thaiboxer24]

I agree Nao - if you actually have a look at the OFT guidelines, i honestly think that they have broken EVERY one! And if the OFT are saying that there are numerous complaints with this company, then why are they still opperating?

 

I made my 1st £1 token payment to Toothfairy today - I'm going to play them at their own game, sit back and enjoy . Im so excited to see how they respond

[rippedoff15]

Well had an email today from MH stating they have argeed a payment plan. Very strange as i have not been informed. They state the debt of 883.00 lol. But they will accept 600.00 to close the account. The only plan is to pay 200.00the loan. What next

[Nao]

Only pay what you actually owe, then tell them to bugger off if they want more.

[kerryb19]

hi there i am also having trouble with speed credit i had sent them 6 emails asking to come to an agreement about a repayment plan only to recieve emails back saying thankyou for your message this is how much you owe and that it was overdue.I then sent them an email saying i was fully aware of how much i owe but you are not answering my question about coming to an agreement on a suitable repayment plan i then went on to say if i didn't hear from them soon i would have no option but to seek legal advice then 2 days later they have sent me an email requesting me to phone them.From reading everyones posts i would rather not phone them as i understand they are difficult to deal with and also would rather have any emails as evidence if needed,do i have to phone them or can i request only contact through emails? Any advice would be greatly appreciated getting really worried about the mess i now find myself in through my own fault.

Edited November 1, 2012 by kerryb19

[tinkerbell_2k12]

Welcome to the site kerry

 

Firstly dont worry payday loans are a very low priority debt, only pay what you can afford, speed credit are nothing more than a bunch of bullies, and theyre very hard to deal with, stand your ground with the offer your willing to give them

[kerryb19]

thankyou tinkerbell feel a bit better now still not sure if i should give them a phone or not don't feel i want to deal with them over the phone to be honest would prefer to email.

[tinkerbell_2k12]

Just deal with them through email that way youve got a paper trail of what uve sent them

[thaiboxer24]

yes - keeping a paper trial, especially with these clowns is probably the smartest move you could make!

 

I've not heard from Joseph in a while, I think he has crawled back into the gutter hole he rised from when he tried to acuse me of being in the wrong, and that I told him straight that he is in the wrong, trying to turn this on me when he knows the whole 'Web Loans Processing ltd' organisation are a bunch of crooks trying to extort money from innocent people who do not know their rights! Also as I have said before - i TOLD him my final offer is the month, plus 2 weeks interest - exactly what i signed up for! No imaginary fees that have been added, and i asked him to lawfully justify them and until otherwise he will get £1 a month until I hear justification or he drops all the charges! I started getting replies every couple of days or so, but its been over a week since I heard from him - so I'm going to take the 354 months of £1 payments is my final offer

[thaiboxer24]

and so its the closing days and Joseph xxxxxxx is feeling the pressure, the dirty little rat -

 

Dear thaiboxer24,

The email constitutes your Final Written Response. This may or may not contain an offer of redress or compensation. If you wish to accept any such offer please respond in writing confirming your acceptance and we will endeavour to put into place the terms of the agreement as soon as possible.

If you are unhappy with the Final Written Response and wish to appeal further you have the right to make a formal complaint with the Financial Ombudsman Service. You must make sure you do this within six months of receiving the Final Written Response or you may lose your right to ask the Ombudsman to review your complaint.

The contact details for the Financial Ombudsman Service are as follows:

Financial Ombudsman Service

South Quay Plaza

183 Marsh Wall

London

E14 9SR

Website:www.financial-ombudsman.org.uk

Email:[email protected]

Phone:0800 023 4567 or 0300 123 9123

You may also be interested to read their pamphlet, “Your complaint and the ombudsman” which can be found atwww.financial-ombudsman.org.uk/publications/consumer-leaflet.htm

We hope that you find the information contained herein to be helpful and that the Final Written Response and any offers which may be contained therein have resolved your complaint to your satisfaction.

For the reasons set out in our previous correspondence your complaint is not upheld. We will accept the sum of £800 in payments of £50 per month to begin no later than the 30th November 2012. You will have to make all these payments by bank transfer.

Kind regards,

Joseph xxxxxxx

 

 

I would just like to point out that about 9 days ago I got an e-mail from joseph xxxxxxx saying he would not accept anything lower than £2000 and now all of a sudden he has reduced it to £800. Once again i explained to him that if he can reduce it by £1200 then there is something very, very wrong with all these charges and he can't legally justify them, so I will continue to pay £1 a month until he acknowledges I will only pay the £354 then will pay it off faster!

My point is, I know people are reading this forum and they are scared. Well don't be! Collectivly we have enough evidence here to show that Toothfairy/Speed Credit/NDR and MHB do not have a leg to stand on when it comes to their 'charges' and that they are just bullies trying to extort money and use tactics of collecting 'debt' are WRONG!!! Stay strong people, and keep your ground!

Edited December 1, 2016 by alanfromderby

[tinkerbell_2k12]

He only seems to reply when he feels like it hes still ignoring me since i asked why hes told me to deal with speed credit direct when mh say they legally own the account, obviously he cant explain why.

And for your debt comin down by 1200 just goes to show none of the charges are enforceable

[thaiboxer24]

i know such an ignorant individual! I can't see him replying to me - asking why it can be taken down by 1200, plus if u add on ALL the fees, it would be closer to 1600 charges dropped...

 

Keep flooding him with e-mails Tinkerbell! Thats what I've been doing. Speak your mind to him (and i have hand on heart said exactly what i felt) and say that you will only pay the original amount plus contracted interest, which for me was 2 weeks, it may have been 4 for u? And just tell him that you are going to pay that - on a payment plan of your choosing - stick to your guns and if he dont want to play ball, as i have offer £1 a calender month until the full balence of what u owe as per contract is paid of!

 

Lets face it - all the threats and intimidation they have inflicted on u, put it right back at them. He has nothing to hide behind apart from ignoring u, which looks bad on his part. I tell u, the amount of GOLD i have sent of to the OFT and FOS with my e-mailing exchanges between myself and Joseph has just been pure GOLD! And he has shown a true reflection of what Toothfairy, speed credit, ndr and mhb are all about!

[thaiboxer24]

oh - i forgot to mention after i e-mailed him back (earlier this AM), it said he is out of office betweeen 7th nov - 14th nov. So he has maybe gone on a nice Holiday far away on the money that he has extorted from the vunerable people!

[tinkerbell_2k12]

I wonder if he actually exists or if hes another gregg campbell

I only owe them 290 and their made up charges have it at £1200, joesph said i need to be realistic when i told him id only be paying what i actually owe.....silly fool he is

[thaiboxer24]

He probably is another Gregg Campbell or 'stagename' - although he did leave me a voicemail message saying he was joseph xxxxxxx, but still after some of the things I've seen and experienced, I wouldnt put it past him living a double life, and infact it being a code name for Oliver Larholt or Garry Chapelle... Swine gutting **** bags!

 

If you owe them £290 tell Joe thats all you are going to pay and every e-mail u send him, just keep giving him that figure!!! E-mail him daily, or even hourly... Just get the point through to him and let him know you are being deadly serious and that you are not going to be taken for a mug!

 

Technically u owe £289.90 cuz the transfer fee was 4.90 not 5.00. I told joe he can have the extra 10p because i'm nice like that - but it is your decision Tinkerbell - I say play the b-words at their own game!

Edited December 1, 2016 by alanfromderby

[tinkerbell_2k12]

Usually i get one of their crappy emails say please make sure X amount is in your account by 12.00 midnight, well i didnt get one of those yesterday but woke up with an email saying my bank declined them taking 528, there gettin sneaky cos shouldnt they be warning their gonna attempt to take an amount, ive aleady told them numberous times that ive cancelled their cpa and any attempts are unauthorised and will be classed as theft, but it just doesnt serm to bother them

[thaiboxer24]

as far as i am aware:

 

You have to be notified AT LEAST 24 hours notice before a payment is going to be debited from your account by a 3rd party (tff being the 3rd party). I know it is meant to be reasonable notice. And if you have informed them that you refuse them to take money from your account, then I believe it is an act of fraud.

 

Nether the less Tinkerbell - if they did not warn u in any shape or form that they were going to debit your account - let the OFT,FOS and I'd even go as far as to tell the Police, because technically it is fraud!

[thaiboxer24]

i know they didnt get the money from your account - and I'm not quite sure what it's called (ignorance is one thought that comnes to mind), but once you cancel a CPA they should not try to continue to carry on attempting to debit your account, though we are talking about Toothfairy/Speed Credit/NDR and MHB who of course; have their own Law

[tinkerbell_2k12]

Ive sent them a email.telling them.all these actions are being reported to fos, i found.it rathet odd that they didnt even sent an.email saying they were doing it. Usually they sent a email saying midnight and that isnt even 24 hour notice

[thaiboxer24]

yes and that is very naughty!!! I would like to believe that the OFT are being flooded with work as well as the FOS, but until these people are closed down - because lets face it there is more than enough evidence proving people are actually reporting them; I will still be convinced that certain people have fingers in certain pies! It does not need just an investogation, but a very thorough one at that!