Marshall Hoare Bailiffs & Speedcredit. Help needed!

[Welshgal2012]

Okay, so I got a text out of the blue from M&H Bailiffs a few weeks ago saying I had refused to pay etc etc. various phone calls, threatening voicemails. I hadn't heard anything from Speedcredit at all, I had a load of payday loans and thought I had paid them all off, obv I made a mistake. But did not hear from them until these fools got from me. Anyway, haven't herd anything for weeks then I get this text

 

Home visit within 7 days.Speed Credit £841 file is now owned by MH Bailiffs.Check email & call 0843381111 to settle your debt & avoid extra charges

 

Does this have any merit at all? They won't tell me what the original amount was, just get a standard email reply when I contact them via their website

 

Thanks for any help

[Placidbob]

Anymore info? did you agree a loan with speedcredit or was it another company like Toothfairy/paycheck credit?, this would likely be one of these text loan companies? Check any emails from NDR, but top priority: Don't Stress:) Unless they provide a county court judgement (CCJ) Bailiffs cannot be sent to your door, and if they are don't allow them to enter, call the police if need be. And as far as I'm aware they can only obtain CCJ if all other means of collection have been exhausted. Scare tactics pure and simple:)

 

I also see you posted about this a few weeks ago? Did you send off a complaint to the OFT?

Edited July 30, 2012 by Placidbob

[renegadeimp]

Get a complaint into the oft. They are threatening you and misprepresenting themselves as bailiffs.

[debt mess]

have been through this myself dont panic some great people here to advise, last year i thought i was going to prison but after looking at this site i now feel in control

[renegadeimp]

Yep. Unfortunately a LOT of people think that and run away and hide or give in to the PDL's demands. However, you cant go to prison for a debt like this. Bailiffs can come, but only if its been to court, youve defaulted on a court ordered payment, gone back to court and a judge has granted an order for a bailiff. This rarely happens unless judgement by default is granted or its obvious a debtor is trying to evade responsibility for the debt.

[Welshgal2012]

Hi guys

Sorry for the late reply, all your answers are appreciated

I have received this email on the same day I got the text

 

 

BY LETTER AND EMAIL

 

Online payment ID: xxxxxx

Outstanding amount: 841

 

Letter of Instruction & Notice Reminder

 

Reference: BAILIFF/INTR/6469091

Client: Speed Credit - Speed Credit Pay Day Loan*

Client Ref: xxxxxx

 

Date: 30/07/2012

 

Dear Xxxxxxx,

 

We are writing to give you formal notice that Speed Credit - Speed Credit Pay Day Loan* has legally assigned the rights of the above debt to Marshall Hoares Bailiffs. This means that*Marshall Hoares Bailiffs Limited now legally own this debt.

 

YOU WILL HAVE OR WILL*SHORTLY RECEIVE A HOME VISIT

 

We intend to pursue you fully for all outstanding sums (GBP 841) including any fees we incur collec ting this debt. Payment in full must be received no later than 17:00 to avoid further door collection fees being added to your file.*DO NOT IGNORE OR THIS WILL COST YOU MORE

 

Debt GBP 436

Cash Transmission Fee GBP 5

Missed Payment Fee 1 (day 29) GBP 10

NDR Accept Case File GBP 200

Missed Payment Fee 2 (day 43) GBP 10

Solicitors - Case Preparation GBP 150

Missed Payment Fee 4 (day 71) GBP 10

Missed Payment Fee 3 (day 57) GBP 10

Missed Payment Fee 5 (day 43) GBP 10

 

Repayments todate GBP 0

Total GBP 841

 

TAKE NOTICE: You should accept this letter as formal notification that unless payment is received within 4 days then your account will be fast-tracked and considered for the following:*

 

Consequences of inaction:

1. Court Judgement legal action will be automatically started in the County Court for recovery of the full amount ou tstanding. Any such proceedings will include additional claims for legal costs and interest which will increase the amount you will be required to pay.

2. Warrant of execution will be applied for to enable us to seize goods at your addresses and or an attachment of your earnings.

3. Register of Judgements any judgement will be entered in a public register, the Register of Judgements, Orders and Fines Credit Reference Agencies, who will supply them to credit grantors and others seeking information on you financial reputation. This will make it very difficult for you to get credit.

4. Credit reference Speed Credit have already advised the Credit Reference Agencies of your DEFAULT. This may seriously affect your ability to obtain credit in the future. Once the balance is paid in full, only then will the default be shown as “Default Satisfied”.

 

To AVOID A HOME VISIT or further action you should PAY IMMEDIATELY

 

1.*online*usi ng a card by visiting:

 

http://www.marshallhoares.com*

 

OR

 

2.*at bank*either over the counter at the bank or by electronic transfer to:*

 

Barclays Bank*

Account Number: 93462382*

Sort Code: 20-50-94

Reference: Use your mobile number (xxxxxxxxx) as a reference

 

This debt will not go away and should not be ignored

 

You can contact us on 08433811111 to discuss your outstandig debt.

 

Yours Faithfully

 

 

 

Anti - Fraud

Marshall Hoares Bailiffs*

Telephone: 0843 381 1111

 

 

The content of this email should not be considered as an acceptance of any offer unless we previously review and expressly approve in writing your terms and conditions relating to the subject matter of this email.*

 

The information in this email is private and confidential. If you are not the intended recipient(s) or have otherwise received this email in er ror, please delete the email and inform the sender as soon as possible. This email may not be disclosed, used or copied by anyone other than the intended recipient(s). Any opinions, statements or comments contained in this email are not necessarily those of Marshall Hoares Bailiffs Limited. If you wish clarification of any matter, please request confirmation in writing.

 

Marshall Hoares Bailiffs Limited.*

Registered Company No.: 6871092

Consumer Credit License: 631168

 

We take precautions to minimise the risk of this email containing a software virus but you should use virus checking software.

 

 

 

To start with I can't believe the charges!! It's disgusting! Plus the spelling is horrendous :/

I have sent another complaint to OFT about the text and email. As I did about the other ones I had a few weeks ago. I don't mind paying the original debt, I borrows the money and should pay it back. But there is no way I'm paying that much in extra charges. I don't even know what the original amount was, can't be more than £200 as I never borrowed more than that with the payday loans. The OFt did come back to me regarding the 1st complaint, said that it had been taken onboard, but they cannot comment on individual complaints and they Marshall & Hoare do have a credit licence :/ Also I would like to contact them via letter to negotiate a smaller amount, as speedcredit will not get bak to me at all. But from what I've read on this company, the address they supply on the website is not valid or is a vacant property.

 

Many thanks for your help

[renegadeimp]

Marshall hoares doing their normal thing. Misrepresentation and hiking up charges that they k now are unenforceable. give it a few weeka and youll see discounts being given. Meanwhile, make sure you keep up offers of a repayment plan and twll MH clearly that the account is in dispute. Keep everything in writing .

[Welshgal2012]

Okay thanks. Do you know the address that I write to offer a payment plan? Because from what I've read on these guys they do not have an address as such which you can write to :/

[Welshgal2012]

Just been through my junk file and seen this email

 

Ref: xxxxxx / DmF-N / [merchant] / Speed Credit Pay Day Loan*

 

Dear Xxxxxx

 

We have not received an offer we consider reasonable from your debt management company/advisor.

As per the OFT guidelines on Debt Management we are now entitled to, and will, pursue you directly for payment of your outstanding debt.

 

You need to contact us within 24 hours to come to an arrangement directly with us or we will pass your file onto Bailiffs to pursue.

 

We will seek a Court Judgment against you followed by a Warrant of Execution to seize goods and/or obtain an attachment of earnings.

 

We will shortly be registering a "default" on your national credit file which is shared between lenders. This will hinder obtaining any future credit.

 

We recommend you call us within 24 hours so we can come to an arrangement based on your circumsta nces.

 

WARNING: If you do not contact us this WILL be pursued by Bailiffs.

 

Yours sincerely,

 

 

DEBT MANAGER - Greg Campbell

NORTHERN DEBT RECOVERY

0843 381 0843

 

NOTICE: The contents of this e-mail are intended for the named addressee only.

 

It contains information which may be confidential and which may also be privileged. Unless you are the named addressee (or authorised to receive for the addressee) you may not copy or use it, or disclose it to anyone else. If you received it in error please notify sender immediately and then destroy it.

[renegadeimp]

Send it to the OFT. They are in breach of Official guidelines on debt collection. If you like, i can write up a good letter for you, but it will probably go ignored by those idiots.

[Welshgal2012]

Thanks that would be great. Yes i have sent 3 complaints to them now. I do so every time i get a new email, tet or voicemail lol. Also ser a message to speedcredit stating i will pay the loan back, but only the original amaount + 1 months interest. No reply thoigh.

I don't know where I would send a letter to Marshall hoare?

[renegadeimp]

marshall hoare are the same company. They just use different trading names and then try to tell the authorities they are separate companies.

[Welshgal2012]

Okay. Are NDR the same people? I have sent them an email saying that I am willing to pay off the debt, but not the illegal extra charges they have added, and as I am now unemployed asked for a payment plan. No reply as of yet.

If you could give me a letter template that would be great thanks

[renegadeimp]

They are all ran by the same people. They simply try and work around the law, which is why they were investigated a while back and almost lost their license, and are also under investigation now.

[renegadeimp]

The absolute first thing you need to do before i can write a letter for you, is to find out who exactly owns the debt. Only one company should be contacting you. Not multiple.

[Welshgal2012]

How do I find that out? The email I just sent to NDR has given me an automatic response tht I should post my question to them using the online form? This is driving me crazy :/

[renegadeimp]

Check your credit record files for a start and see if anything is listed there at all.

 

Then you need to write a short letter/email addressed to the COMPLIANCE MANAGER or DATA Controller of the Original creditor . These should give you the info you need.

 

If they have sold it to someone else, then you want it in writing. If the OC still owns the debt, then you can tell anyone else who comes after the debt to take a running jump. Nobody but the company that owns the debt can do anything in regards to the debt.

[Welshgal2012]

Just had this through lol

 

 

Dear xxxxxx,

 

Thank you for emailing us.

 

NDR & Marshall Hoares

 

-Northern Debt Recovery are a debt recovery agency employed by NDR. They are fully licensed under the Consumer Credit Act (License No. 631166).

 

They will have been engaged because you did not pay your debt back on time and as agreed. They are a specilaists at collecting debts and undertake a rigorous and thorough collection process to ensure you pay. This may include legal proceedings, registering defaults against your national credit file and a comprehensive program of communications including emails, letters, SMS and phone calls. This maybe to your mobile, home and work numbers

 

-Marshall Hoares Bailiffs are an enforcement agency who will visit your home and work addresses to discuss the repayment of your debt. They are fully licensed under the Consume r Credit Act (License No. 631168).

 

All actions and communications are fully compliant with the Consumer Credit Act.

 

Note: During peak hours a shared call centre may be used, despite comments you may have read on the internet, and as you would expect, this does not affect your obligation to pay, the validity of your loan or the charges incurred.

If you are in any doubt please feel free to contact the Office of Fair Trading at the numbers on our website.

 

You currently owe GBP 841. This needs to be paid by 07.08.12 to avoid further charges being incurred.

 

We advise you to make contact IMMEDIATELY on 0843 381 0843 to avoid further action and charges

 

Unemployment

 

It is advisable that during this period you stay in regular contact with your Creditors to avoid extra penalty fees.

 

We are sympathetic to your situation. At the time you took out the loan you were expecting payment from Argos on 28.01.12.

 

In order for us to help it is important that we establish that the loan was taken with accurate information and that your subsequent loss of employment can be substantiated. Please send:

1. a copy of your P45 as well as a copy of your redundancy

2. proof of any income support and / or benefits you receive

3. the maximum* amount you are able to pay

4. how regularly* you will be able to pay this

 

We will also now contact your employer to confirm your redundancy in the event that these documents are not recieved and/or the loan is not settled in full.

 

The total amount you owe is GBP 841.

 

Please note:

- WE WILL NOT be able to accept any payment plan until YOU have provided us with this information.

- that any inconsistency discovered will be REPORTED to the relevant authorities and make you INELIGIBLE for a payment plan.

* depending on what you can pay we may be able t o stop legal and recovery fees being added to your file and stop any adverse credit. If you are not able to make such payments then we will have no choice but to pass your file to third party Recovery Agents who will visit your home to discuss the debt. This will incur further fees and impact your credit file.

 

We look forward to hearing from you TODAY on 0843 381 0843 to achieve a speedy and cost effective resolution to this matter.

 

Remember payments can be made by visiting our webiste http://www.northerndebtrecovery.com and clicking the \\\\\\\\\\\\\\"Pay Now\\\\\\\\\\\\\\" section

 

Payment Plans

 

It is always advisable to stay in contact with your creditors to avoid additional penalty charges.

 

Loans are meant to be repaid in full at the end of the initial loan term. This is made very clear in the terms and conditions you agreed to when you took out the loan.

 

We cannot accept a payment plan.

 

Please confirm when you will be making FULL PAYMENT to close your file.

 

Please note payment of GBP 841 needs to be made by 07.08.12 to stop this file being passed to third party Recovery Agents and further fees being added.

 

however......

you can rollover / extend your loan by just paying the interest on day 28 of your loan. You will receive an email explaining this when you are eligible

 

 

Yours sincerely,

 

 

ANTI-FRAUD

NORTHERN DEBT RECOVERY

0843 381 0843

 

NOTICE: The contents of this e-mail are intended for the named addressee only.

 

It contains information which may be confidential and which may also be privileged. Unless you are the named addressee (or authorised to receive for the addressee) you may not copy or use it, or disclose it to anyone else. If you received it in error please notify sender immediately and then destroy it.

[Welshgal2012]

Well I know the original loan was with speedcredit but they are not getting back to me at all :/

But I can log in to Speedcredit &NDR and Marshall Hoare in order to "roll over" my loan. Which will not be happening as I don't want them having my card details lol

Plus I've Changed address so don't want them coming after my mum and dad

[renegadeimp]

Yea... no. There are no "shared call centres" during "peak periods". Even if there was, it doesnt account for multiple debtors being advised they have a SC loan when they took one out with TF or vice versa.

 

We will also now contact your employer to confirm your redundancy in the event that these documents are not recieved and/or the loan is not settled in full.

 

You need to get complaining. This is NOT allowed.

 

that any inconsistency discovered will be REPORTED to the relevant authorities

They are accusing you of a criminal act. Fraud.

 

The rest is just total crap designed to intimidate you and breaks OFT regulations.

 

you can rollover / extend your loan by just paying the interest on day 28 of your loan. You will receive an email explaining this when you are eligible

 

LOL. Now theyre expecting you to give them money just to keep them off your back. Typical bully and loan shark behaviour.

[Welshgal2012]

Okay then I'll send this email back to OFT aswell lol, they are going to be fed up of me soon!!

I will send a letter by recorder delivery tomorrow to speedcredit, seen as their address seems the only valid one out of the three

[JOHNINYORK]

Regarding sharing the same call centre,do they mean the same telephone on the same desk.Or maybe if the banks are busy,is that why MCO and CIM use the same bank account.

 

-Northern Debt Recovery are a debt recovery agency employed by NDR. They are fully licensed under the Consumer Credit Act (License No. 631166).

 

So,who are NDR.

Complete rubbish.

 

Regards,John.

Edited August 1, 2012 by JOHNINYORK

[kh41]

Hi All

 

i am being chased by marshall hoare, ndr and toothfairy all claiming different amounts and all claiming they own the debt.

 

the original loan was for £300 but now ranges from 3100 to 3300 depending on which one is sending me the e-mail, i get at least one e-mail daily of one or the other and have even had two visits to my home both times a=unaswered on the first occassion a card was left to call first call or something.

 

I have e-mailed all the companies refusing to pay the charges ect and offering payments but never get a reply , usually the e-mails just get bounced back.

 

they are just a total joke even the dodgy solicitor they were using who i rung up and sent e-mails id recieved off them ,left them lol im just waiting for them to take me to court but they wont this has been

 

going on since april 2011 and they defaulted amount was 2400 so why they still adding charges

[renegadeimp]

Theyre the same company and are trying to scare you into paying.

 

You MUST issue formal complaints, and possibly seek legal advice. There is NO way a debt can escalate from £300 to over £3000 unless there are illegal charges and interest amounts added.

 

Also, NEVER phone them. EVER. They are possibly the worst PDL to deal with at this time. Mainly because they know they are about to lose their license.

[kh41]

Dont worry i will not be ringing any of them , i have saved all the e-mails from them , last count was 115 , all waiting to be printed off and taken to court as wqell as the 20 odd e-mails i have sent to them without reply

 

what do you mean by formal complaints ??