How I Love The Toothfairy!!

[fkofilee]

Well i can say that was a wasted phonecall.

 

have been fighting TFF for a year now... I love how their charges mount up.

Currently standing at £1974, Ive decided to nip it in the bud now due to me going to live and work abroad

 

CCA requests have been sent... .No response after 3 months.

Now that i have informed them i am leaving the country, i have offered to settle for one month plus capital.. not good enough.

 

They tried to broker a last minute deal with me to close the file for £600 which i said no.... Too rightly as the debt is in dispute with them until they provide proof that the extra charges are valid.

 

Hell, considering ill be away for over 10 years ... Will the debt just "Drop" off my credit file after 6 years? I thought this maybe possible.

 

They have told me they are going to "FastTrack" me to their solicitors... but has anyone been to court through these guys?

 

Im not scared of them and their court threats because they dont have a legal leg to stand on ^__^

 

AVOID LIKE THE PLAGUE!!!

[sillygirl1]

They are talking twaddle about 'fast-tracking' you to solicitors, it means they will pass onto Marshall Hoares Bailiffs (who cannot use their bailiff powers in collecting this common commercial debt).

 

You can also defend their manic charges and restate your offer in the defence papers and then they would be in panic.

 

They are hoping you would not defend and they get judgement by default (which IMHO should be scrapped).

 

Get onto MP Stella Creasey and see if she can help - she seems very pro-active against these PDL predators.

 

The debt would 'drop off' your credit file after 6 years from the closure of the account, but knowing this toothless unholy trinity they would be adding money every week to the account keeping it active long after it should have defaulted.

[fkofilee]

I know it's twoddle. I love how it's stuck with MHB but I get letters from NDR.

 

TFF are the only loan company who break rules by adding more interest on to a defaulted debt on a 2 weekly basis.

Yesterday they offered to settle for 900... I feel like sending them 900 peanuts xd

 

Sillygirl1, i know if you play with fire you'll get burnt but, have you seen any TFF court cases because I haven't seen anything.

[sillygirl1]

They have tried but to my knowledge haven't been in front of a judge as they cave in on mediation - and of course the fact that the three companies are basically the same can be highlighted by printing out the Companies House info makes a mockery of their 'file transfer charges'.

 

Their Particulars of Claim can be rubbished easily and they can also be tripped up on by listing the correspondence trail, particularly as you can print the headers of the emails and prove they all come from the same location!

 

Remember it cost them a further £100+ for the allocation questionnaire fee and they don't like filling in those.

 

Have you sent your information to the OFT and Trading Standards, remember every complaint counts!

[renegadeimp]

Hoares , ndr and toothfairy are the same company. Even though they're trading illegally they're still ran by the same people.

[fkofilee]

I think that this might fall apart. If they wanted to take action, they've had a year to do it.

 

I'm not worried... On a side note... I had my debt with Wonga written off...

My brother took a loan out in my name. I tried to figure out what was going on after they raided my account. 3 months later..

 

I decide to let them know where I'm off to and to settle everything with them.

I was asked to get a crime reference number and prosecute my brother to which I said no because of him being my flesh and blood.

 

After contacting the press, i get a wonderful phone call from a Senior officer in wonga and they go a lesson has been learnt by my family and that they would wipe it clean.

 

Wooooooooooooooo...

[sillygirl1]

Very true, a lot of judges are now querying why they did not come to an arrangement sooner, especially when the correspondence trial proves you have answered their emails with an offer.... makes them look silly.

 

On the other hand there is nothing to stop them going to court.

 

fkoflee congratulations on geting rid of Wonga -have you added your bit to the OFT investigation, remember they have been sanctioned by them so any naughty behaviour (even if they did cave in) must be reported.

[fkofilee]

Oh yes, the judges don't go lightly on these companies. Maybe I should set up my own DCA but I would accept the £1 a week offers that are a minimum to settle an outstanding balance. More CCCS or payplan style xd

 

My progress down the dect recovery process didn't get that far yet... They didn't accuse me of fraud luckily and even so, complaining to the OFT i think would be daft considering what they did for me today. I know every complaint counts but i think we have reached an amicable arrangement.

 

I know they can be fined 50k per sanction, but I think that I will be keeping a close eye on the PDL market.

 

FYI I've already reported them to TS and the OFT back in April... Think maybe my case could have been looked at to add the sanctions to them xd?.

[sillygirl1]

Yes, you can update the OFT and TS on the outcome... would be useful for their 'records'.

[JOHNINYORK]

I know that each case is different,but stick your ground.Every email or text,challenge it.Ask them to explain this and that.

Regarding the solicitors,it could be Appleton Massey,who I sent a rather informative message to,regarding the antics of Toothfairy.But I did not get a reply.

On Monday of this week,I received another intimidating email from M/H,informing me that collection agents would be calling.90 minutes after sending the email,they sent me another email which is as follows,

 

Thank you for your message passed to us from Speed Credit.

After taking your message into consideration we have decided to close you loan.

 

They must have read the email that I sent them and they were wanting £957 from me.Maybe my case was different,as in my eyes,I had repaid the loan,but they said not.

 

Regards,John.

[fkofilee]

Howdi john... How is York these days?

I've already spoken to The OFT today and got a thank you from them.

 

Sillygirl1, are you a legal worker?

 

I worked out that if only interest was added to the balance from now that after 6 years i would owe just short of 10k.........

I think i might just let it get statue barred xd, I've tried making reasonable attempts with them.

 

John... They just shut it down just like that? I didn't update my address with MHB and im happy with just email contact. The house i lived in was demolished recently xd.

[Space2001]

I was asked to get a crime reference number and prosecute my brother to which I said no because of him being my flesh and blood.

To be honest, your triumphism does not sit well with me - at the end of the day, your brother committed fraud and the least he should do is repay what was stolen. Regardless of the murky activities of PDL companies, in this case, I think that it should have been Wonga getting a crime reference number and prosecuting.

[sillygirl1]

This forum is not judgemental so space2000 I have reported you to the moderators, it is not your business to interfere with.

 

I am not a legal worker, any legal experience I have has been gained from this site - I am not a fan of the legal system and its twisted ways of dealing with things - some quite simple things have been made complex by the 'legal jargon'.

 

I mostly advise people on here about PDLs and occasionally the benefits system as I have recent experience of parts of it. I could advise on other things but decided others are more experienced.

[Space2001]

This forum is not judgemental so space2000 I have reported you to the moderators, it is not your business to interfere with.

.

i am sorry if I appeared judgemental that was not my intention. However, this forum should also not glorify illegal activity be it an individual or a company

[fkofilee]

Of course space has a point. I lost 300 pounds to wonga thanks to what happened. Money that could have been used for something more productive.

 

In certain respects, my brother has begun repaying his debt to me. In a way he is repaying the debt and has learnt a great deal. He was 17 when he did this.

 

I don't want to glorify it at all but lessons have been learnt.

 

Sillygirl1, im completely with you, the complex jargon is awful but at the same time it's there to make sure all areas are covered. I had been on benefits and I know most of the system back to front.

 

Plus the debt recovery cycle I'm pretty clued up with. Working for BSkyB, you learn a lot... Ever confused or unsure give me a shout

[renegadeimp]

This forum does not glorify illegal activity in any way. However, as sillygirl said, it is not your or our place to judge others. If the PDL suspected fraud, then they would not have closed the loan and they would have initiated criminal proceedings. As they have not done so, instead closing the account in question, that means they simply want an end to it.

 

Lets try and keep the thread on topic without it descending into pointless and childish personal attacks please.

[fkofilee]

Does anyone know if TFF have been stitched up by the OFT?

[renegadeimp]

They have a few reports in about them all operating as one company, yet are registered and trading as seperate entities. The more reports the OFT get about these type of companies, the quicker action will be taken. Rember, Toothfairy and their corresponding sub companies have already been actioned by the OFT before, and they appear to have complete disregard for regulation and law.

[fkofilee]

That's right... I remember now... Didn't they have a restriction of trading put on them In the end?

[Space2001]

This forum does not glorify illegal activity in any way. However, as sillygirl said, it is not your or our place to judge others. If the PDL suspected fraud, then they would not have closed the loan and they would have initiated criminal proceedings. As they have not done so, instead closing the account in question, that means they simply want an end to it.

 

Lets try and keep the thread on topic without it descending into pointless and childish personal attacks please.

 

Well, it is a sad day for this forum when my account has been blocked due to how my comments have been interpreted. I only think that it is reasonable that I can reply and apologise therefore I have set up a temporary account so that I can make a final post.

 

1. I believe that I have made absolutely no “personal attacks” and never would. I feel sick that my comment has been interpreted in this way and I am very sorry to fkofilee.

 

2. In my mind I was not judging anyone but can see why it might be viewed that I was and again, I apologise if it came across that way. I was more concerned that others reading may think it to be acceptable to obtain money in this way.

 

3. The term “glorify” was ill-judged by myself. However, there was a situation where someone came onto the forum and advised that a loan which had been obtained by identity theft had been written off by a pdl. The PDL recommended a prosecution but decided for whatever reason not to take further action. We then had others congratulating them that the loan had been written off. I am not sure what benefit this is to others and I think people should be aware that it is unusual for a PDL or any creditor to be so lenient in these circumstances. Saying that, I am pleased for fkofilee that his/her brother has been fortunate and hopefully has learnt a lesson and can move on.

 

Again, I am extremely sorry if anyone has been offended – this genuinely was not my intention.

 

I am disappointed that I was blocked and not given a right to reply to renegadeimp which I feel is against the ethos of a reasonable forum. Over the past few months I hope in a small way I have assisted some people with helpful words and wish everyone the best of luck against these underhand companies.

[renegadeimp]

How has your account been blocked? This forum welcomes all kinds of discussion, however my comments stand. If you want to reply to me as you see fit, you can always PM me. I will never report a PM unless it is very abusive. I welcome all comments towards myself and always prefer a good discussion.

 

However, on these forums, you have to be wary of what you write as it can and has been interpreted as something different than originally intended.

[ims21]

Space....your account isn't blocked. Have you activated it fully by replying to the e-mail notification you should have received?

[Space2001]

Space....your account isn't blocked. Have you activated it fully by replying to the e-mail notification you should have received?

 

When I try and reply get the below. Never had that issue before. But dont worry about it. Thanks

 

space2000, you do not have permission to access this page. This could be due to one of several reasons:

 

1. Your user account may not have sufficient privileges to access this page. Are you trying to edit someone else's post, access administrative features or some other privileged system?
   
2. If you are trying to post, the administrator may have disabled your account, or it may be awaiting activation. You may not have sufficient posts to permit you to carry out your intended action
   

[MARTIN3030]

To avoid any confusion it is best to stick to just one account.

Your 2 space ones are being merged and space2001 will remain the default.

You are also being sent a pw reset.

[fkofilee]

Dear Samuel

 

Thank you for your message.

 

Your offer to pay the principal amount of �300 plus 1 interest charge of �54 has been rejected. However as stated previously the offer you received by phone to pay �600 today to close your file still stands.

 

Yours Faithfully

 

Rebecca Franks

 

Door Collections

 

Marshall Hoares Bailiffs

 

Telephone: 0843 381 1111