Marshall Hoare Bailiffs

[Welshgal2012]

Hiya

Managed to pay off all my payday loan debts, well thought I had. Just had a txt 2 days ago:

 

You REFUSE TO COME TO AN AGREEMENT WITH US. CALL 08433811111 TODAY or your file will be passed to RECOVERY AGENTS for pursuit.

 

I'm panicking now. I'm almost 100% sure I have paid everything. I have sent them a question asking what this debt is. I have moved addresses, new life So now I'm panicking my parents will get a visit? I have had no contact from anyone regarding any debt since I paid everything off in March of this year. So I can't understand how I've

"refused to come to an agreement"

 

I had a voicemail from a man yesterday telling me to contact them urgently, sounded pretty threatening to be honest :/

I sent them a email thing through their website telling them I would only contact them through email or letter, not telephone. Within 10seconds, yes 10 seconds I got this reply:

 

Thank you for emailing us.

 

 

 

debt management

 

You have confirmed that you have instructed a debt management company / advisory body to act on your behalf.

 

IMPORTANT NOTICE: As per the Office of Fair Trading Guidelines on debt management:

 

1. We are not obliged to accept reduced repayments or to freeze interest as suggested by your debt management advisor.

2. Repaying the same debt over a longer period of time will lead to an increase in the total amount you have to pay.

3. We are obliged to deal with such third parties only to the extent that they propose a reasonable offer. In the event that this is not forthcoming or that they do not respond to us within a reasonable timeframe we are entitled to, and will return, to corresponding with you directly.

4. Todate we have not received any acceptable offers.

5 . Full interest and costs will continue to accumulate during the time they negotiate with us.

 

- Any cheques received from third party companies will be cashed and credited against your account but are NOT deemed acceptance of any repayment plan that we have not confirmed as suitable.

 

If you CALL US DIRECTLY to arrange settlement we may be able to REDUCE some of the fees charged. This will speed the process and reduce the extra interest that is continuing to be added to your debt whilst we deal with your debt management advisor. This is the quickest and cheapest way to resolve your debt.

 

You can contact us TODAY on 08433811111 quoting reference xxxxxxx to confirm:

a) the very most you can pay; and

b) when this will be.

This is the most efficient way of ensuring your debt does not increase and is settled.

 

Please note:

- that any offer you make will need to clear the balance within 6 weeks.

- if the offer is sen sible, we may agree to freeze interest and charges at GBP 817 if you cooperate and stick to the repayments agreed.

 

We look forward to hearing from you so we can help you achieve a speedy and cost effective resolution to this matter.

 

 

Yours Faithfully

 

 

[stagename]

Door Collections

Marshall Hoares bailiffs

Telephone: 0843 381 1111

 

I don't have a debt management advisor!! I have no idea what to do now.

 

I have made a complaint to the OFT. And i have put this up in the payday loan forum too, but thought someone might have dealt with these people in this forum.

Any help or advice would be appreciated

Many thanks

[brassnecked]

Have they already obtained a CCJ? If not they are acting as debt collectors, and are powerless, they most certainly cannot remove goods, or enter your home. they can be as irritating as a boil on the bum; however as you have mentioned OFT would be an option if they act in an unlawful manner.

 

How much was the debt, and what are they asking for now?

[Welshgal2012]

Not that I'm aware of, as I said, the above is the only communication I've had at all. From what I've been told these people are under investigation by OFT anyway for their behaviour. I do not know what the original amount was for as they won't let me know, and the company I had the loan from (speedcredit) will not get in touch with me. But the amount now owing is £817 and there is no way I can afford that :/

[ploddertom]

From memory these people do not actually exist and use this title to frighten, bully & intimidate. Here's another thread http://www.consumeractiongroup.co.uk/forum/showthread.php?305243-tooth-fairy-finace-and-marshall-hoares-bailiffs and if you Google you will find many more.

[old bill]

You've done the right thing by contacting the OFT and it's good to hear they're on the case. You need to go back to Speedcredit and ask them to confirm, in writing, that you have paid all sums owing to them within 10 calendar days of their receipt of your letter, which you should send by Recorded Delivery. If they confirm you have paid all sums due, go back to the OFT and inform them you have evidence that you have paid all sums owing. It is likely you will be told to report to your local Trading Standards Department. It is also possible you may have to make a statement to the police. Making unwarranted demands by use of menaces (threats) where the person making the demands has no right in law to do so and the threats are not a proper means of enforcing the demands is a criminal offence under Section 21, Theft Act 1968 (Blackmail). This offence carries a maximum penalty, on conviction, of 14 years' imprisonment. It is one of the more serious offences under English Criminal Law. Depending on the gravity of the offence, the average sentence for those engaging in Blackmail is 4-6 years' imprisonment, with more serious offences averaging 6-8 years' imprisonment.