speed credit

[thaiboxer24]

More from good olde Toothfairy this morning!

 

Loan Ref: xxxxxxx/xxxx/ x

 

30/11/2012

 

Dear Mr johnston,

 

You agreed to automatic payments to settle your ToothFairy 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 54 by 30.11.2012.

 

The following payment of GBP 54 in relation to your loan ToothFairy Pay Day Loan - Ref 2078734 has been DECLINED by your bank today.

 

Your transaction reference is: xxxxxxxxxxxx / x

Error Code: DECLINED - The supplied expiry date is in the past

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

 

Your outstanding balance is GBP 2580.

 

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 54 by:

 

1. going online at 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 (xxxxxxxxxxx) 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 received.

 

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

 

Thanks

 

 

Collections Team

Toothfairy Finance

t: 08000 882 222

 

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

_____________________________________________________________________

 

NOTICE

The views and opinions expressed in this email may not reflect the views and opinions of any member of Toothfairy Finance Ltd.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 return message and destroy the original message. This message and any attachments have been sc anned 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.

 

Toothfairy Finance is a trading style of Web Loans Processing Limited which is a company registered in England and Wales whose registered address is Web Loans Processing Limited, 15 Lyndhurst Terrace, London, NW3 5QA, United Kingdom. Company registration number 7275227. Web Loans Processing Limited is licensed by the Office of Fair Trading under Consumer Credit Licence number 637426.

 

 

 

Right, so did a bit of picking apart - once again theyre taking '9 times the value' of what i owe. OMG - I so wish they even attempted to do this! Apparently they are allowed to carry on debiting my account as well?!? They can't spell already and lets put the icing on cake, and the cherry on top they are asking me to consider the enviroment before i print this e-mail :whoo:maybe they are not that evil after all?

 

Oh, one last thing - this e-mail was from toothfairy, whom are asking me to pay off to Northern Debt Recovery... YOU'RE ALL THE SAME!!! YOU HAVE THE SAME BANK DETAILS YOU IDIOTS!!!

Edited November 30, 2012 by thaiboxer24
left personal info on there

[tinkerbell_2k12]

Oops youve left ur phone number on your email boxer

 

Do you ever get the email that say " sent by letter and email" i never ever get them.sent by letter.

When i spoke to cccs months ago for advice they took now notes on speed credit to also pass in to oft , they guy ob he phone said its disgusting that they threatening 9 times the value, but that wouldnt even be allowed ti happen

[thaiboxer24]

doh lol and thank u now edited ;-)

 

no i stopped getting those e-mails a while back, i dont know why. Originally i tried to block all their e-mails coming through to me cuz they were really p***ing me off, but they are not on my block list. I think MHB have maybe just given up with me cuz i spoke my mind to them and kept catching them out and now its NDR that are going to harass me. Only ever had 1 letter from NDR and this was like sept last year, and it made no sense, full of nonsense!!!

 

I'm waiting for them to call me again, im going to start answering and playing them i think ....

 

and we all know TFF/SC/NDR and MHB are full of it and won't carry out any threats, they just prey on the innocent which is disgusting! PDLs are disgusting in general and should either not be allowed OR they should have a serious shake up so that they are fairer on people and do not abuse their powers!!!

 

I love how MHB act like they think they are secret agents though - they always used to say to me that it is an urgent matter and that they know its me they recognise my voice and tried it on loadsa times lol - goofballs haha

[tinkerbell_2k12]

U made me chuckle with the secret agents and sayin they knew ur voice lol

 

They often.call me and leave their hold music as a voice mail message

[thaiboxer24]

lol - they must be MI6, CIA or SAS... Or stalkers... Especially if they cold call and leave music playing. Next thing you know Tinkerbell they will breathe heavily down the phone and say 'we know where u live, now pay up or we will take 9 times the value of what you owe in your possessions'.

 

right back on track lol -

 

Not heard from Joseph as to why they were trying to contact me yesterday. I did ask him to reply as a matter of urgency - obviously he's to busy to reply to me, so I may be too busy to reply to his next e-mail

[tinkerbell_2k12]

I get this image of him sitting with his feet up on a desk with a cup of coffee in one hand looking at his computer having at good laugh at how easy his job is ignoring people.

[thaiboxer24]

yeh - and the amount he's screwing out of people as well... Think of applying for his job ya know. Must make a nice wage being a sewer rat like him!!!

[stargatemunky]

Has anyone actually had any resolution to this...

 

as in have any baliffs actually turned up or have you gone to court and won?!

[stargatemunky]

MHB Ltd

PO BOX 154

 

Sheffield

 

S98 1HU

 

address here btw

[thaiboxer24]

Have u ever sent a letter to them at that address and had a response? I can guarentee u that I have not, and upon further investigation of that address it is a dead end - a used paper recycling facility

[tinkerbell_2k12]

ive eventually gettin a response from joesph and hes come up with some pathetic excuses of why he couldnt provide me with a notice of assignment, i think its also disgusting that he says if you pay in full now we'll reduce the debt to £400 but if you dont we'll persue you for the full amount (theres no way im paying 941 for a £200 loan), so obviously the charges arent enforceable if they can just that easily wipe them off, have a ready and tell me what you think

 

In this case, no notice of assignment was generated due to a systems error so the debt is legally owned by Speed Credit. However, the charges remain valid and the debt needs to be repaid. You have not incurred further charges from the file being passed to MHB. Due to the length of time it has taken for me to provide you with this answer I am prepared to reduce the debt back down to the level it was when I first contacted you i.e. £941. Please note, that Marshall Hoares is instructed to pursue the debt from you in any event.

 

On 19th September 2012, I asked you to provide us with the documentation regarding your income and expenditure which to my knowledge you have failed to do. The quickest method in relation to providing me with the requested evidence is to send it to me via email. Alternatively, you may send it to Marshall Hoares Bailiffs Limited, PO Box 154 Sheffield, S98 1HU or fax it to 020 3476 0520 although this will take some time to be received and passed to me for assessment.

 

I also stated that your offer was not accepted and I proposed the following options in full and final settlement:

 

1) One off payment of £400 by the 31st December 2012

2) Payment plan set up for a total of £600 in instalments of £40pcm beginning no later than 31st December 2012; or

3) You provide me with documentary evidence of your financial circumstances such that you have been unable to meet your obligations since June 2012 and I may accept a reduced monthly payment set for a total value of £941.

 

I look forward to hearing from you shortly.

[tinkerbell_2k12]

since joesph has informed me marshall haores dont own the debt since he couldnt provide me with a notice of assignment, im still gettin the threat o grams from marshall haores claiming they own they account

[rippedoff15]

Same here, i get threats every day demanding money claiming they own the debt. So i asked for the notice if assignment and no reply. Just threats of home visits. Also demands from ndr as well. But had email from speedcredit stating loan had been repaid. MH demanding 500.00 as per repayment plan they agreed but not me as they never contacted me.

[tinkerbell_2k12]

I got their weekly email stating there will be a home visit in 7 days..........yeah like someone is gonna turn up over christmas when they havent turned up over the past few month, or maybes the doorstep collector wants to add a new doorstep to his collection

[rippedoff15]

Maybe the Door Collector will attend in a red suit and remove your front and back door, however he will try to gain entrance via the chimney

[tinkerbell_2k12]

Haha or maybes hes coming chrismas caroling

[rippedoff15]

lol Tinkerbell,

[Sillyboywyn]

I wouldn't be so sure! I had the threats for months and months, and some one did turn up last week! He was promptly dispatched from my property though. I had already paid SC off via cheque through the CCCS but they had failed to update any records at all.

 

The best bit is JW put it in writing that they would only offer a F&F Settlement if I withdrew any official complaints i had made to the OFT and the FOS. I had made around 30 and copied him in to every single one.

[tinkerbell_2k12]

So they literally bullied you into doing what they wanted. That jw is the most ignorant man ever, you should of forwarded that email to the oft and fos too

[Sillyboywyn]

I have don't worry! I paid the amount i wanted to pay and not a penny more, but it was only after 30 complaints to the OFT that they agreed to the amount i owed instead of the silly £864 or what ever it was for a £100 loan.

[tinkerbell_2k12]

Whrn i told JW id only be paying what i owe he told me to be realistic, hes the one that needs to be realistic.

Good for you getting your case sorted

[Sillyboywyn]

Whrn i told JW id only be paying what i owe he told me to be realistic, hes the one that needs to be realistic.

Good for you getting your case sorted

 

Yeah he tried that on me, i have a shed load of emails between me and him, He started to ignore me towards then end. Then all of a sudden offered me what i want (on their terms).

 

Im just about debt free now, i owed just short of £10k to payday loans companies and 2 credit cards (they only amounted to £2000), but my VERY forgiving and understanding wife and parents in law have helped me out immensely and managed to close nearly everythign for around 55% of the balances via F&F settlements, the only ones to not play ball were SpeedCredit and MiniCredit. Every one else took the settlement offers and closed the accounts after then found it would take around 4.5years to pay them.

 

I dont really know how i was so stupid, i earn very good money but one payday loan from Wonga for £200 spiraled to £10k in a little over 2 years, was such a relief to finally be rid of them all.

[tinkerbell_2k12]

Well done you on taking control back in the situation, i bet it was a relief sharing your problem with your family and them being very understanding.

Speed credit is the only payday loan ive ever taken and a £200 loan has magicaly turned into 1200 which i refuse to pay ive been making token payments once the loan plus the months interest is paid off i wont be paying a penny more towards it, becausr when ive asked them to justify the charges they ignore me.

Ive noticed since i kept emailing jw for a notice of assignment for mh that he couldnt provide me with, theyve now taken the " mh now legally own this debt" line off their emails

[BB2012]

Does anyone have an email address that actually goes through to Marshall Hoare and get a response? Many thanks I'm advance

[tinkerbell_2k12]

Has anymore info came out of whats happening with speed credits appeal ive not had any emails or harrasment from them since before xmas, they must of gettin the hint that their threats dont work