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speed credit loan / written off / cleared

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Well posted letters to SC & TF don't think they will reply, and sent another letter to the OFT as well lets hope the can help.

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I'm surprised I then haven't been traced by this lot and getting threatening phone calls by now... Mind you... My mobile phone isn't in my name and is a PAYG number anyway ;)


This is how I spend most of my life :ranger:

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All gone quiet again, seems play like playing games

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just had a call from 01224 931013 stating they are MHB and asking to speak to Carl Marshall he stated Mr Carl Marshall has quoted our telephone number strange as its new to myself not on any web sites at all when I questioned the guy hang up

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UPDATE > Just had a visit from Ground Collect on behalf of Marshall Hoares Bailiffs hand letter as follows

 

Loan ID 12345678

Creditors: Speed

 

Today you were visited by a collecting agent from ground collect instructed by Marshall Hoares Bailiffs regarding the loan

 

It is ESSENTIAL YOU CONTACT MARSHALLS HOARES BAILIFFS or contact the collecting agent direct on the number listed below ( No number listed )

 

I recommend you CALL NOW so we can assist in resolving this matter

 

Further visits are planned and this file will shortly go to your local County Court for judgment and enforcement.

 

A collecting agent will be assigned to visit you again shortly, call now to avoid further costs.

 

Regards

 

Andy Shepherd

 

Collecting Agent Name : John Edwards

Agent Contact No ( Missing )

 

Marshall Hoares Bailiffs 0843 381 1111

 

Has anyone else been visited by Ground Collect ? , also I have wrote to Speedcredit and so far never had a reply.

 

Can anyone help please

 

 

cheers

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I'm hoping that's just a phishing letter to initiate a knee jerk reaction.

 

Keep a tort of trespass letter by your door, so if the clown decides to visit again you can hand him the letter and state if he's not delivering your pizza he can get lost; or words to that effect.

 

You will of course have written to SC/MHB/NDR by then revoking their implied right of access to your property ;)


This is how I spend most of my life :ranger:

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Time for formal complaints to the regulators.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I have wrote to MH,NDR, and speed credit informing them I do not wish them to attend my house at any time. Non of the companies replied. He turn up today when I was in work and when the wife got in the letter had been hand posted. Their are no contact numbers for this agent thus unable to call.

 

What action can I do now, they refused my repayment offer and state they will increase fees ???????????????????????????

 

what letter can I give the collector

 

can anyone help

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Just found the email from web processing , my question is the email clearly states that NDR have been instructed and no mention of Marshall Hoares Bailiffs who claim they own the debt, therefore if they ie web own the debt and NDR have been instructed who have not chased the debt. I need to email MH stating they are not getting paid not a penny. Has anyone got an email address for MHB. Also if MHB are chasing should they not have been given consent from web Processing.

 

Notice of Assignment

Form of Notice

 

05/04/2013

 

Mr

[mailaddress1]

 

Dear Sir or Madam,

 

PLEASE NOTE THIS IS NOT A PAYMENT DEMAND

 

Please note that with effect from 26th March 2013 MCO Capital Ltd (Assignor) assigned, for collection, to Web Loans Processing Limited, 15 Lyndhurst Terrace, London, NW3 5QA (Company Registration Number 7275227 (Consumer Credit Licence Number 637426) (Assignee) all its rights, title, interest and benefits in and to the loan agreement (Assigned Document) with you and the debt you owed to MCO Capital Ltd (Debt) reference

 

Web Loans Processing Limited has instructed Northern Debt Recovery Limited in relation to collecting the Debt. All future correspondence, dealings, deliveries and payments in respect of the Assigned Documents or the Debt should be made to the Assignee whose details are as follows:

 

Northern Debt Recovery Limited, 15 Lyndhurst Terrace, London, NW3 5QA

Tel: 0843 381 0843

Fax: 020 3137 0794

Barclays Bank Plc

Account No. 13492192

Sort Code: 20-95-61

 

The letter is for your information only and you do not need to take any action. There is no need to respond to this letter

 

Yours faithfully,

 

Jordan Taylor

Web Loans Processing Limited

 

Data Protection Notice

 

As a result of the transfer of your account, Web Loans Processing Limited has obtained your personal details from MCO Capital Limited and will act as data controller for the purposes of the Data Protection Act 1998. Web Loans Processing Limited may acquire additional information about you from a variety of other sources, including public records and other accounts purchased by Web Loans Processing Limited and will use this data for a number of purposes, including administering recovery of any dividends payable and for re search and statistical analysis in respect of this account and any other account owned or subsequently acquired by Web Loans Processing Limited.

 

Kind regards,

 

 

Speed Credit Pay Day Loan* - Support Team

 

Powered by Web Loans Processing ([id])

 

Web Loans Processing Limited. Registered in England & Wales. Registered Company Number 07275227. Consumer Credit License No. 637426. Registered Office 65 New Cavendish Street, London, W1G 7LS.

 

The views and opinions expressed in this email may not reflect the views and opinions of any member of Web Loans Processing Limited. The information contained in this message is confidential and may also be privileged. It is intended only for the addressee named above. The unauthorised use, disclosure, copying or alteration of this message is strictly prohibited. If you are not the addressee (or responsible for delivery of the message to the addressee), please notify the originator immediately by ret urn message and destroy the original message. This message and any attachments have been scanned for viruses prior to leaving our network. However, we do not guarantee the security of this message and will not be responsible for any damages arising as a result of any virus being passed on or arising from any alteration of this message by a third party. We may monitor emails sent to and from our network.

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What action can I do now, they refused my repayment offer and state they will increase fees ????????????????????????? ??

 

 

Why are you worried? Let them hike the debt up with fee's. They are 100% unenforceable and 100% unlawful, so you wont be paying them. You seem to be falling right into their trap.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Well as I work away and they called at home my wife is very upset not about the debt the fact they state they will call again. Thus scared stiff every time the door bell is rung, its easy for me as they did not scare me at all but when they call when the wife and kids at home that's different. The loan was for 200.00 so was think of paying the debt of 200.00 plus default fee and that's all, then see if they take court action.

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If they call again, tell her to tell them to go away. If they refuse, call the local police and tell them you have an unknown person at the door demanding money and using threatening behaviour.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Well had email from MHB, now I am back working my offer to pay 300.00 only based on the old loan of 200.00 has been refused by MHB. What next !!!!!!!!!!!!!!!!!!!!!

 

Dear

Thank you for your message.

According to our records you took out a 14 – 28 day SHORT TERM loan on 14.08.12 for GBP200.00.

You currently owe GBP1784.00.

You agreed to repay your short term loan within 14 days. Payday loans can become expensive if you do not keep to the terms and conditions that you agreed to when you took out your loan.

Please note that as you borrowed GBP200.00, you are being charged GBP48 every 14 days. This is CLEARLY STATED in the terms and conditions YOU agreed to.

YOU agreed to the terms and conditions with your double digital signature by way of entering your email address in twice then clicking \'I accept and agree to the terms and conditions\'. The terms and conditions that you agreed to are legally binding under The Consumer Credit Act 1974.

Please remember that your original loan was for 14- 28 days ONLY.

You will be incurring additional interest charges on the 30.07.13.

Based on the date you took out the loan and the extended period that you intend to pay your loan back, we are unable to accept your offer to repay only £300 in two instalments.

If you are willing to make a ONE OFF PAYMENT we will be willing to REDUCE your total repayable amount to GBP400 by the 30.07.13.

If you are unable to pay in a one off payment, but you are willing to pay GBP150 per month starting from this month, we are prepared to FREEZE all interest and charges, but you will need to pay a total balance of GBP600.

If you are unable to pay the above amount on a monthly basis, please confirm what amount you are able to make and we will consider your offer.

Please confirm the dates that you will be making payment on and whether you wish for us to set this up to take payment automatically.

If you have any questions please do not hesitate to contact us on 08433811111

Please note: Continued non-payment has already led to your original loan provider escalating your file for debt collection, resulting in the involvement of Marshall Hoares Bailiffs. If you do not come to an agreement with us to repay your file we will recommend that your payment plan be sent to our solicitors for County Court action (or Sheriff Court if you are in Scotland).

Yours faithfully

Sarah Brown

Door Collections

Marshall Hoares Bailiffs

Telephone: 0843 381 1111

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Todays email

 

 

BY LETTER AND EMAIL

 

Online payment ID:

Outstanding amount: 1784

 

Letter of Instruction & Notice Reminder

 

Reference: BAILIFF/INTR/15767051

Client: Speed Credit - Speed Credit Pay Day Loan*

Client Ref:

 

Date: 23/07/2013

 

Dear Mr

 

We are writing to give you formal notice that Speed Credit - Speed Credit Pay Day Loan* legally engaged Marshall Hoares Bailiffs to recover the above debt.

 

YOU WILL HAVE OR WILL SHORTLY RECEIVE A HOME VISIT

 

We will pursue you fully for all outstanding sums (GBP 1784) including any fees we incur collecting this debt as per the terms and conditions of the contract you signed. Payment in full must be received within 4 da ys. DO NOT IGNORE OR THIS WILL COST YOU MORE

 

Debt GBP 1400

GBP 48

GBP 48

GBP 48

GBP 48

GBP 48

GBP 48

GBP 48

GBP 48

 

Repayments todate GBP 0

Total GBP 1784

 

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 Action legal action may be started in the County Court (or Sheriff Court if you are in Scotland) 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 or its Scottish equivalent will be applied if we successfully obtain a County Court Judgment or Scottish Decree 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 (447870954244) as a reference

 

This debt will not go away and should not be ignored

 

You can contact us on 08433811111 to discuss your outstanding debt.

 

Yours faithfully

 

 

Anti - Fraud

Marshall Hoares Bailiffs

Telephone: 0843 381 1111

 

Complete joke I have offered lump sum based on the loan of 200.00 and they refused, its like hitting head on brick wall. They have already visited once even after im wrote telling them not to attend What next !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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Mhb is tooth fairy. They are already being investigated by the oft and national media.

 

Its only a matter of tine before mr larholt cant run anymore


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I really would tell them to take a running jump and until they take you to court you will have no more dealing with them.

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Well had another email today, on 5/4/13 according to web processing they own the debt. took a loan of £200 and offered to repay £300.00 and so far they have refused to reply to repayment offers

 

BY LETTER AND EMAIL

 

Online payment ID:

Outstanding amount: 1832

 

Letter of Instruction & Notice Reminder

 

Reference: BAILIFF/INTR/1

Client: Speed Credit - Speed Credit Pay Day Loan*

Client Ref:

 

Date: 02/08/2013

 

Dear Mr

 

We are writing to give you formal notice that Speed Credit - Speed Credit Pay Day Loan* legally engaged Marshall Hoares Bailiffs to recover the above debt.

 

YOU WILL HAVE OR WILL SHORTLY RECEIVE A HOME VISIT

 

We will pursue you fully for all outstanding sums (GBP 1832) including any fees we incur collecting this debt as per the terms and conditions of the contract you signed. Payment in full must be received within 4 days. DO NOT IGNORE OR THIS WILL COST YOU MORE

 

Debt GBP 1448

GBP 48

GBP 48

GBP 48

GBP 48

GBP 48

GBP 48

GBP 48

GBP 48

 

Repayments todate GBP 0

Total GBP 1832

 

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 Action legal action may be started in the County Court (or Sheriff Court if you are in Scotland) 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 or its Scottish equivalent will be applied if we successfully obtain a County Court Judgment or Scottish Decree 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 as a reference

 

This debt will not go away and should not be ignored

 

You can contact us on 08433811111 to discuss your outstanding debt.

 

Yours faithfully

 

 

Anti - Fraud

Marshall Hoares Bailiffs

Telephone: 0843 381 1111

 

 

Strange thing as had this email from Web Processing on 5/4/2013

 

Notice of Assignment

Form of Notice

 

05/04/2013

 

Mr

[mailaddress1]

 

Dear Sir or Madam,

 

PLEASE NOTE THIS IS NOT A PAYMENT DEMAND

 

Please note that with effect from 26th March 2013 MCO Capital Ltd (Assignor) assigned, for collection, to Web Loans Processing Limited, 15 Lyndhurst Terrace, London, NW3 5QA (Company Registration Number 7275227 (Consumer Credit Licence Number 637426) (Assignee) all its rights, title, interest and benefits in and to the loan agreement (Assigned Document) with you and the debt you owed to MCO Capital Ltd (Debt) reference 15767051.

 

Web Loans Processing Limited has instructed Northern Debt Recovery Limited in relation to collecting the Debt. All future correspondence, dealings, deliveries and payments in respect of the Assigned Documents or the Debt should be made to the Assignee whose details are as f ollows:

 

Northern Debt Recovery Limited, 15 Lyndhurst Terrace, London, NW3 5QA

Tel: 0843 381 0843

Fax: 020 3137 0794

Barclays Bank Plc

Account No. 13492192

Sort Code: 20-95-61

 

The letter is for your information only and you do not need to take any action. There is no need to respond to this letter

 

Yours faithfully,

 

Jordan Taylor

Web Loans Processing Limited

 

Data Protection Notice

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Forward it direct to the OFT with your other complaints. What gets me is they sent you a notice of assignment, yet they are the same company ran by the same people :/


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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todays email from MHB

 

BY LETTER AND EMAIL

 

Online payment ID:

Outstanding amount: 1832

 

Letter of Instruction & Notice Reminder

 

Reference: BAILIFF/INTR/

Client: Speed Credit - Speed Credit Pay Day Loan*

Client Ref:

 

Date: 07/08/2013

 

Dear Mr

 

We are writing to give you formal notice that Speed Credit - Speed Credit Pay Day Loan* legally engaged Marshall Hoares Bailiffs to recover the above debt.

 

YOU WILL HAVE OR WILL SHORTLY RECEIVE A HOME VISIT

 

We will pursue you fully for all outstanding sums (GBP 1832) including any fees we incur collecting this debt as per the terms and conditions of the contract you signed. Payment in full must be received within 4 days. DO NOT IGNORE OR THIS WILL COST YOU MORE

 

Debt GBP 1448

GBP 48

GBP 48

GBP 48

GBP 48

GBP 48

GBP 48

GBP 48

GBP 48

 

Repayments to date GBP 0

Total GBP 1832

 

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 Action legal action may be started in the County Court (or Sheriff Court if you are in Scotland) 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 or its Scottish equivalent will be applied if we successfully obtain a County Court Judgment or Scottish Decree 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 as a reference

 

This debt will not go away and should not be ignored

 

You can contact us on 08433811111 to discuss your outstanding debt.

 

Yours faithfully

 

 

Anti - Fraud

Marshall Hoares Bailiffs

Telephone: 0843 381 1111

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Same old crap they always spew out. Send it to the oft


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Rippedoff.

This saga has been going on for nearly a year now,will there be a birthday party in September.

Surely it must be obvious to them by now,that there is no way that they will be getting £1832 from you.I had dealings with them over a year ago,same lies and threats.If a strange car came down the street,wondering if it was them,etc,etc.They will try to wear you down.I was in a different position to yourself,I repaid them after 2 days,but they wanted the interest for 14 days.Then they could not find the payment.In the end,I told them that I was doing some free advertising for them.I told them that all correspondence from them was being put onto an internet forum and they were nothing but gutter dwelling parasitic vermin.Within 24 hours,they emailed to tell me that my loan was closed.I checked on their site,which said that the loan was repaid.

I am sure that by now,you have realised what a bunch of cowboys they are.For example,I found this about one of their offshoots,Easy Finance Club,were using Wonga's registration number.

 

http://www.thisismoney.co.uk/money/cardsloans/article-2272002/Easy-Finance-Clubs-website-discrepancies-Wongas-registration-number.html

 

But now,I have realised on the Noddle site,that Speed Credit have left an arrears and a partial settlement marker on my file.I will be chasing Noddle and now Web Loans,to remove these markers.The partial settlement is indicated as not updated,it will be soon.

There is always light at the end of the tunnel.Just do not let them get you down.

 

Regards,John.

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Well they still refuse to accept any repayment offer based on the loan of £200.00, and according to the email today they demand over £2,000.00 they have not sent any letters only emails threats, they did attend my home address via collection guy who posted the letter and ran away

 

BY LETTER AND EMAIL

 

Online payment ID:

Outstanding amount: 2024

 

Letter of Instruction & Notice Reminder

 

Reference: BAILIFF/INTR/

Client: Speed Credit - Speed Credit Pay Day Loan*

Client Ref:

 

Date: 01/10/2013

 

Dear Mr

 

We are writing to give you formal notice that Speed Credit - Speed Credit Pay Day Loan* legally engaged Marshall Hoares Bailiffs to recover the above debt.

 

YOU WILL HAVE OR WILL SHORTLY RECEIVE A HOME VISIT

 

We will pursue you fully for all outstanding sums (GBP 2024) including any fees we incur collecting this debt as per the terms and conditions of the contract you signed. Payment in full must be received within 4 da ys. DO NOT IGNORE OR THIS WILL COST YOU MORE

 

Debt GBP 1640

GBP 48

GBP 48

GBP 48

GBP 48

GBP 48

GBP 48

GBP 48

GBP 48

 

Repayments todate GBP 0

Total GBP 2024

 

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 Action legal action may be started in the County Court (or Sheriff Court if you are in Scotland) 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 or its Scottish equivalent will be applied if we successfully obtain a County Court Judgment or Scottish Decree 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 as a reference

 

This debt will not go away and should not be ignored

 

You can contact us on 08433811111 to discuss your outstanding debt.

 

Yours faithfully

 

 

Anti - Fraud

Marshall Hoares Bailiffs

Telephone: 0843 381 1111

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Well thats a pile of streaming dung!

 

Theve allegedly instructed a bailiff company to pursue you yet it hasn't seen a court room? As they write you may face court action!?

How stupid do they think people are! How the hell can they demand £2,000 for a £200 loan, sorry if have read this wrong.

 

You have no legal obligation to communicate with any hooligans they sent round, tell them to hoof it!

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Thats sadly a standard letter from them. You also need to report it to the OFT as they are misleading you into thinking they are bailiffs and are accusing you of fraud. The OFt have an open investigation into them right now, as do multiple media outlets. It is in your interests to report it.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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How stupid do they think people are! How the hell can they demand £2,000 for a £200 loan, sorry if have read this wrong.

 

Simple:

 

Give out 1000 loans for £200 each with £250 to be repaid on schedule and you have a profitable business.

OR

Give out 1000 loans for £200 each with £2500 to be repaid behind schedule and you have an even more profitable business as long as 10.1% or more people are intimated enough by the threats to pay up.

 

Standard threatograms like the one posted above by rippedoff15 could be seen as one big joke as all they achieve is to lower the chance of the debt even being legally enforceable as no Judge would look favourable upon such letters if it wasn't for the sad fact that those pdl companies and their dcas prey on the vulnerable and that some people have even been driven to suicide by bully debt collection practices.

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