Argument and accusations with the fairy - their mistake; my fault!

[Welshy27]

I took out a £200 loan and after four weeks I would need to pay £272. I decided to roll over for another two weeks at £36 which brought my balance down to £236. I rang them up two days before the due date because I was considering rolling it over again and here is an overview of the convo:

 

Me: I would like to pay another £36 and pay £236 in two weeks - like I did two weeks ago.

Them: No your final balance will be £272 plus the £36 you want to pay now. A mistake has obviously been made so you now need to pay the proper amount (£272)

Me: Well it ain't my fault someone in your office made a mistake. I have it in writing from you what I owe (£236) and you are now penalizing me. It's not as if I rang up knowingly that a mistake might have been made - you have only informed me. I will not be paying the extra due to your mistake.

Them: You have to pay as agreed in the terms and conditions otherwise you are stealing from us!

Me: Are you accusing me of fraud - it ain't my fault and it wouldn't stand up in court!! What if I hadn't of rang up today?

Them: Well you probably would have got away with it. Look, I will let you pay the £236 to close the loan but you will no longer be able to use our service again.

Me: But it ain't my fault and that's a bad business model whereby again you are penalizing a valued customer because of a mistake someone in the company made. And you're now admitting that there's a potential flaw in the system/company to a customer because if I did that in my work place I'd get fired. Also these calls are recorded aren't they so your boss can hear you slandering the company.

 

This shut them up and they terminated the phone call.

 

I had taken their name and called back later and asked to speak to someone in charge to make a complaint about them. I spoke to a very helpful person who was apologetic about what happened and said they would listen back to the calls. I said about being accused of wanting to steal, how the employee had spoke about the company and their general aggressiveness. The supervisor agreed that I shouldn't have to pay more and it was at their own fault so agreed to keep my balance at originally agreed amount. I got the sense that they believed what I was saying about this person and their customer service manner.

 

Also why don't they have a contactable email address because my mobile bill has shot up thanks to all this hassle that lasted about half an hour. I know what some will say... never ring a PDL company!

[renegadeimp]

I hope you got confirmation of the amount you owe in writing.

 

It seems Toothfairy are well aware that they will probably end up losing their license soon, so theyre trying anything and everything possible to get extra money from people who took out loans before the inevitable happens.

[Welshy27]

Yes I had an email immediately sent whilst speaking to the senior supervisor that I could clear the loan as planned at £236.

Out of interest what would happen if a PDL was closed down and customers still had loans with them to pay back?

[renegadeimp]

That would be up to the administrators.

[devonlad]

One thing I'd do now is to file a complaint with the OFT! Each complaint is another nail in the coffin for this lot. Accusing you of stealing/fraud is just not on.

 

I'm currently dealing with the Marshall Hoares department and every email they send me is signed 'Anti-Fraud Team' along with the usual BS of 'fast-track court orders, attachement of earnings, home visits etc'. They will say absolutely ANYTHING to force people to pay.

They must know that this stuff isn't going to give them a good stance should they take anyone to court (which I doubt).

 

DOWN WITH THE FAIRY!!

[renegadeimp]

If ANYONE accuses you of fraud, report it to the oft. Wonga were recently actioned for the same thing.