speed credit

[tinkerbell_2k12]

theyre breaking the law posing as bailiffs, dont be worried its unlikely it will ever get to court

[L_Jones89]

Shall I email speedcredit? I don't know who I should contact or what to say?

[FairyReaper]

There is no set time sadly all it says is he will be retuning shortly. It says " further visits are planned and this file will shortly go to your local County Court for Judgement and Enforcement"

Has he left evidence of who he is at your property? If he is representing MHB or one of their trading aliases then you should contact your local police to report their harrasment and criminal breach of their credit licence by making an univited home visit.

[tinkerbell_2k12]

Very good point fairy, coming to the house is literally them.dropping themselves in it. The important thing to remember jones is that nothing bad will happen, they are in the wrong for harrassing you at your home

[L_Jones89]

I've just gor his first name and his mobile number, is that enough or do I need full name?

[Nao]

Actual Bailiffs can not get involved until a court order has been obtained, not been fulfilled by you and a warrant of execution has been issued by the courts. All bailiffs that then get assigned to this work are Certified by the Court service and will always carry a copy of this certificate with them

 

Unless all those conditions are met, immediately call the police if anyone shows up demanding money, use of the emergency number is perfectly justified as those goons do pose an immediate threat to your physical and mental health. Plus once asked to leave and not return if they stay or come back they are committing a crime, so you can then bring criminal charges against them.

[L_Jones89]

That's what I thought to be honest but wasn't 100% just because it baffles me as to why people would just turn up at peoples houses when they know full well they can get in trouble! Thank you for your help!

[renegadeimp]

It was not a bailiff and you MUST report him asap. It was a dorstep collector who has no powers at all.

 

If he comes again, tell him to sod off or the police will be called and yoh will have him forcibly removed and charged woth breach of the peace.

[FairyReaper]

I've just gor his first name and his mobile number, is that enough or do I need full name?

What you need is enough evidence to tie him as a representative of the company to having visited your address. It's not clear what he has left you, is it a hand written note on MHB letterhead or something similar? You may have enough there to take action against this guy and the company anyway. Take what you have to the police station and see what they can do.

 

I appreciate what others are saying about ignore them and they will go away but home visits are an escalation that needs stopped as soon as possible. The OFT may not be the quickest acting organisation in the world but the Police should be responding particularly if you feel threatened.

[rippedoff15]

Post his number so we all can text him our thoughts

[renegadeimp]

Not wise to start harassing him. Its a criminal offence. No matter what we say or do, he can still visit until you send him or his employer a notice to revoke his permission to come to your property.

[renegadeimp]

What you need is enough evidence to tie him as a representative of the company to having visited your address. It's not clear what he has left you, is it a hand written note on MHB letterhead or something similar? You may have enough there to take action against this guy and the company anyway. Take what you have to the police station and see what they can do.

 

I appreciate what others are saying about ignore them and they will go away but home visits are an escalation that needs stopped as soon as possible. The OFT may not be the quickest acting organisation in the world but the Police should be responding particularly if you feel threatened.

 

Home visits are NOT illegal or unlawful. The only thing that would be considered a breach of Regulatory guidance is if they came AFTER you sent them a letter stating that you do not wish to be visited. Thats why we have a solid template in the CAG library. You can also tell him to go away and even have the local police remove him. However, theres nothing to stop another muppet coming to your address unless you send that letter to the head office.

[FairyReaper]

They are unlawful if they are in breach of their Credit Licence which specifically prevents uninvited home visits, which in MHB's case it does.

 

See page 31 of this document: http://www.oft.gov.uk/shared_oft/business_leaflets/credit_licences/oft147.pdf

 

All that's needed is sufficiently robust evidence to record them as uninvited at off site premises which is potentially what happened today.

 

Sometimes you have to be a bit more aggressive and proactive in dealing with these people rather than just hoping they go away.

[renegadeimp]

It is only a breach if you have sent a letter or given the rep one that revokes their permission to come. Thats why this site and even national debtline advise to put it in writing, send a copy to the head office, and give a copy to the doorstep collector.

 

http://www.consumeractiongroup.co.uk/forum/content.php?441-If-you-do-receive-a-doorstep-visit-we-give-these-suggestions-to-Members

[FairyReaper]

The point I'm making is that permission is already revoked in MHB's licence. You don't need to serve a letter for them to breach their licence. With other companies they may have canvassing rights in which case a letter would be necessary.

[Nao]

Home visits are NOT illegal or unlawful.

 

Not every type of home visit is legal, while a normal person (including a employee of a dca) can walk up to your door and ring the doorbell in hope of talking to you there are various things that can't be done by a dca visiting, like for example attempt to gain entry by force, misrepresent them self as bailiffs, discuss your debt with a 3rd party and so on and considering what they them self wrote on another website that is accessible to the public which I will quote below you can guess which type of home visit these goons fall under:

 

Marshall Hoares bailiffs are an independant firm to which we strive to be fair towards the debtors.

We are employed to chase the debtors by tooth fairy finance to which we have got an 98% satisfaction rate for recovering debts.

There seems to be one person on here who beleives that we do not have an legal right to enter his home uninvited.

I must stress that we can enter through an open window or an open door and we can force entry when ever we see fit.

We also can force entry if someone opens the door therefore limiting the chance of a door being closed in our agents face.

We do have the right to restrain anyone who becomes aggressive towards our agents and if needs be inform the police.

You can be assured that we will chase the debtors and we will enter a debtors property as we do not need to apply to a court due to the law being changed.

Our agents are trained to deal with aggressive debtors and will deal with that debtor as we see fit.

99.99% the police will always take our side on these matters and will arrest anyone obstructing our agents.

Obstructing an bailiff is a criminal offence to which a debtor can receive a long prison sentence.

We will also enter the property once the threat has been removed which entails a lock smith attending if one is avalible or the door is physically kicked in by an bailiff to which the debtor will be responsible for the bill which will be added to the debt.

 

O.T LARHOLT company director

[renegadeimp]

Marshall hoares are not bailiffs. They are a DCA just using the word bailiff as part of the name.

 

ALso oliver larholt has a very VERY dubious past. So take ANYTHING he says very very cautiously.

[Nao]

ALso oliver larholt has a very VERY dubious past. So take ANYTHING he says very very cautiously.

 

Exactly, even if he told you what day it is better check the calendar.

However, when they threaten things that are clearly illegal report it to the police anyway, even if you know Marshall Hoares would most likely not dare to follow up on the threats.

[renegadeimp]

Police wont do anything. You need to report it to the regulatory bodies and trading standards. Especially since Toothfairy exited an investigation a few months ago, got a reprimand on their licence, failed to adhere to it, and are now under another investigation.

 

Plus the OFT are contacting certain people now for a full witness statement. They only do this when they are considering severe action on a credit licence.

The more complaints, the better.

[FairyReaper]

Police wont do anything.

What are you like Rene! I have a great respect for the time and effort you clearly put into this board but sometimes you come over as completely defeatist. I settled my dispute with TFF on my terms because I didn't roll over and wait for them to go away.

 

The Police should act if the case has any credibility. Just make sure you make the right noises e.g fraud, threats & harrassment affecting vulnerable people are not acceptable in any law abiding community. The other aspect is if you don't report their behaviour to the Police and obtain a crime number then the statistics won't show how badly the likes of MH & TFF's activity is affecting the country. You are keen to report all these issues to the OFT then why not report illegal or unnacceptable behaviour to the Police?

 

If there is enough noise generated, you never know the serious crime squad might step up to the plate and start dealing with these legalised loan sharks.

[renegadeimp]

Nope. Im a realist. The police wont do anything. Plenty of people have tried. It is a regulatory matter, and if the regulatory authorities decide to involve the police, then so be it.

 

PDL's and their associated DCA's come very very close to crossing the line into criminal behaviour, but they rarely ever step over it. Thats why it is so damn frustrating when they start their campaigns of "intimidation" or "harassment".

 

The serious crime squad will not get involved because what they are doing, in regards to home visits, interest amounts etc is not illegal.

 

Take a doorstep collector coming to your house. If they refuse to go away, yes the local police can be called, but the collector will only be arrested for a breach of the peace. It is in very race circumstances that they are charged with trespass. Thats why its called walking the line. The company knows they are bordering on criminal activity, but as a company, they never cross the line. Should a collector do criminal activites at a debtots house, then the DCA/PDL simply says that the Collector is self employed and did it off his own back and it wasnt part of their training or that the company does not agree with the collectors methods. We've seen way too many reports like that.

[zydeco]

They are unlawful if they are in breach of their Credit Licence which specifically prevents uninvited home visits, which in MHB's case it does.

 

See page 31 of this document: http://www.oft.gov.uk/shared_oft/bus...ces/oft147.pdf

That page refers to canvassing for business, ie. coldcalling to sell you something not trying to collect a debt off you, so they aren't in breach of their credit licence.

 

Doorstep collectors are usually self employed and don't have any idea what letters you have written to the dca so best to print off a few copies of the doorstep letter and have them handy.

 

If you have a visit just give him/her a copy and shut the door.

 

As far as saying the police should act, well we all know that but just spend a little time reading the threads on this site and you will quickly realise that they don't.

[tinkerbell_2k12]

Despite having no license speed credit are still attempting to collect, i recieved the follwing email at 6.02 this morning from [email protected]

 

You agreed to automatic payments to settle your Speed Credit Pay Day Loan*.

 

You are aware that these payments are necessary to avoid further charges, recovery and legal action.

 

You were committed to pay GBP 336 by 13.09.2012.

 

The following payment of GBP 336 in relation to your loan Speed Credit Pay Day Loan* - Refhas been DECLINED by your bank today.

 

Your transaction reference is:

Error Code: DECLINED - Failed to identify the card scheme of the supplied card number

This may appear on your statement as a transaction processed by: tf-f or London Treasury Services

 

Your outstanding balance is GBP 936.

 

By failing to honour this agreement all charges will immediately become due. Recovery Agents will be sent to all addresses we have on file for you in order to obtain payment. Should this also prove unsuccessful we will be liaising with solicitors who will obtain a County Court Judgement against you. Once this is secured we will return with a Warrant of Execution from the County Court and certified Court Bailiffs to seize goods at 9 times the value of what you owe.

 

It is essential that you honour your commmitment .

 

You should pay GBP 336 by:

 

1. going online at http://www.northerndebtrecovery.com and clicking Pay Now;

 

OR

 

2. making payment to:

Barclays Bank

Account Number: 93462382

Sort code: 20-50-94

Reference: Use your mobile number ) as a reference so we can match it correctly

 

Please ensure that these funds reach us by the end of business.

 

Note: We reserve the right to contiune to automatically debit your account for the agreed scheduled amount OR the full amount if payment is not rec eived.

 

If you have already repaid and this is not reflected in the above statement please contact us so we can investigate this further and correct your file.

 

Kind regards

 

 

 

Speed Credit - Loans Team

t: 084 3381 3381

ïï€ Please consider the environment before you print this email.

[renegadeimp]

Get it to the OFT. Its a standard form letter they send out and theyve already been reprimanded for it before by the OFT.

[tinkerbell_2k12]

Get it to the OFT. Its a standard form letter they send out and theyve already been reprimanded for it before by the OFT.

 

Will do ive already sent them it a few times before, im confused of own actually owns my account because today alone ive had emails off ndr, speed credit and marshall hoares claiming once again they own it. Im confused of who i shoumd actually be dealing with? Should i just be waiting for the reply from webs loan processing?