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    • Welcome to the real world. What year of university are you in? What university? And what are you studying? What is the name of the agent? And what is the name of the landlord? The business of holding deposits should be affected by the Consumer Rights Act 2015 and that means that they should be subject to terms relating to fairness. It seems to me that if you pull out of an agreement to take the property then the agent or landlord should only be entitled to hold on to sufficient funds to cover any administrative losses which they have suffered as a result of your change of decision. In practice many agents will simply take the opportunity to cream off a bit of extra profit. I suppose you just paid the money over without any kind of written agreement or recording or any evidence. Certainly, if you paid over a holding deposit on the basis of a particular contractual promise – that there would be a break clause and then subsequently there was no break clause then it would be a simple matter to argue that it was the agent of the landlord who had gone into the breach of contract in which case you would be entitled to recover all of your money. However do you have evidence of this? Similarly, if you pay the holding deposit and were only told afterwards that it was not refundable then it is arguable – although not cut and dried – that they had introduced a new term into an existing contract and so once again, you would be entitled to recover all of your money. However, once again – do you have any evidence of this? It will be interesting to know whether the agent is acting of their own initiative here or whether they are really exercising the will of the landlord. Please address the questions which I've put above
    • The house was sold in 2015. What’s Ll/BB. Can any one just say what I need to do. Or what I can do. Are Lowell in there rights to claim and therefore I’m liable for paying back the debt. Even though they can’t prove a contract to me in my name. Many thanks 
    • Hi GrievingMum   I fully understand and sympathise with your medical conditions.   The 3 screenshots/images in post#21 I have removed as I have converted those into one PDF which is now showing in that post.   CAG prefers PDFs rather than multiple screenshots/images but as I said I appreciate your medical condition so I have converted those screenshots/images into one PDF and removed the screenshots/images and left the PDF in your post.    CAG also prefers that all our caggers remain Anonymous on CAG, could I just suggest that when your have edited your document to just leave it for a while then go back to it and recheck that you have removed all info to keep you anonymous before uploading to CAG.
    • The letter send to contact them. Maybe if they wanted people to ring them they should put telephone? I was in India at the time so not really convenient to call them (I can prove this to them if it became an issue)  
    • Hi  I genuinely have not received this BUT I am not saying that it hasnt been sent as I am sure it will have been.   As i said, my son has the same name as me and I am sure if he had seen one of these, he will have let me know as he did when he opened the second letter. 
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Hi,

 

I am having problems with Payday Loans i owe, however the biggest problem before I tackle the others is Toothfairy.

 

I borrowed £400, they now want £934 and ARE THREATENING all sorts of people coming to the house, but from northern debt recovery which are the same company?

 

I have listed below details, can anyone help me here, I'm not paying £934 back! Total payments I have made against the £400 (which was £544 with interest) is £294 so I owe £260?

 

how do I tackle this, they are awful people.

 

Tooth Fairy

I took out a loan on 16.04.12 for £400 and I was going to pay back £544 on 15.05.12.

Couldn’t make the payment, however I did make the following payments and had the following additional charges added on;

16.05.12 £72.00 Payment Made to TF

Then on 20.05.12 I got a email and letter from Northern Debt Recovery saying that they had added £150 to the loan as I was in default.

23.05.12 £50.00 Payment Made to TF

25.05.12 – they then added on the following charges

Loan and Interest £688

Recovery Fees £200

Repayments to date £126

Total £572

30.05.12 I send them an email to say I cannot pay anything until I get paid on 15.06.12.

01.06.12 I get these from TF

You currently owe:

Loan and Interest GBP 688

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

 

Repayments todate GBP 126

Total GBP 932

 

Please note

1. Door Agents have been dispatched

2. Solicitors have been briefed

3. Bailiffs have been informed

Judgement will be sought and a Warrant of Execution to seize goods/obtain an attachment of earnings.

06.06.12 I pay £172

29.07.12 I get an email saying I owe £934 to them

THANK YOU.

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Hi and welcome to CAG!

 

You seem to have it hand when you say that you won't be paying all those stupid charges.

 

As you say NDR ar the same company, just another monkey pressing the red letter/email button.

 

Arrange to repay what you owe at what you can afford.

 

Jogs

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Offer the original loan plus the original interest and if you can afford it offer to pay back over 8 - 10 months, they should accept that or possibly get the ball rolling.

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Thank you.

 

So I am going to drop them am email stating that I will only pay £260.

 

Could you help me out with the wording about the additional ridiculous charges they have added on please?

 

I am getting non stop calls and text messages saying ballifs will enter my home...

 

I have an additional problem with other payday loans but going through and sorting this one out has blown my mind enough for today.

 

Thank you I really apprecaite your help, I am completly new to forums so it is all apprecaited..

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Simply say that you consider the charges as unfair under OFT guidance and previous case law or words to that effect. Therefore you will not be paying them as they exist on the loan soley as a means for the PDL to unjustly enrich themselves. Should they take the debt to court, you will contest the charges in full.

 

 

Thats what i would say, but you can put it in your own words.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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rene, finally we agree on something! basically that is your right to dispute the charges, I think the company would probably just want to get as much money through the door as quickly as possible so if you can offer for example £50.00 per month that would probably help your case.

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I've always said to dispute the charges. They add them on because the vast majority of debtors don't know any different and pay it regardless. Others ignore it and the PDL gets judgement by default in court.

 

However, with toothfairy/speedcredit/whatever other names they are using, they want as much money as possible. It's why we call them "legal loan sharks".


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi,

 

I am now getting constant emails from Marshall Hoares, and NDR on text and email about a door stop visit, you've all seen the standard letters I am sure.

 

I sent a complaint to OFT as i have been reading lots of threads on here, I sent them all the information including all emails from them and I jsut got this back from OFt.

 

Thank you for your complaint about Toothfairy Finance, Northern Debt Recovery Limited, Marshall Hoares Bailiffs Limited received on 8 August 2012.

If you require further advice, please contact the Citizens Advice consumer service either by telephone (08454 04 05 06) or online at www.adviceguide.org.uk.

The Citizens Advice consumer service is the first point of call for consumers, providing first tier advice on a range of consumer matters, including advice on shopping, information on consumer rights and practical guidance on individual problems and how to gain redress. Where the Citizens Advice consumer service identifies a need for further assistance, it can also refer consumers to other organisations, such as local authority Trading Standards Services, who may be best placed to assist.

Unfortunately, because of restrictions imposed upon us by Part 9 of the Enterprise Act 2002, we are unable to give information about any action that may be taken in response to your complaint. The OFT has no authority to become involved in disputes between consumers and traders and so we cannot offer you any direct help with your complaint or advise you directly in this matter.

Thank you again for writing to us and bringing this matter to our attention.

Yours sincerely

Phyllis Solis

Enquiries and Reporting Centre

Office of Fair Trading

 

 

What does this mean that I can't complain to them and I have to go to CAB?

 

 

One other questions, as I can't seem to find the thread with the address, I wanted an address to write to Toothfairy and the other 2, so I have proof of what I am sending as the emails just bounce back.

 

 

Thank you all

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Hi - Ignore the bit about addresses as I have found4, they are below, i've written to all of them.

 

Could someone come back to me about what to do with OFT and complaining?

Thanks

 

 

15 Lyndhurst Terrace Hampstead London NW3 5QARef:

64 New Cavendish StreetLondon W1G 7LS

PO Box 153Sheffield S98 1HW

1a Sheffield Road Southborough Tunbridge Wells Kent TN4 0PD

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Send them the complaint by email and in the subject line use something like credit fitness. Also tell them that the group of companies is currentpy under investigation and want your cokplaint to be added to the others.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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The OFT will not deal with induvidual complaints that has to be done by the FOS.

 

They will however look at the companies with a view to fining them or removing their licence if there are serious malpractises

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It is a criminal offence for any company to threaten a debtor with a warrent of execution to seize items from your home without going through a court.

They have to pass their file to a solicitor who is not attached to the company unlike their solicitors Atkinson Firth Solicitors or Phillips solicitors whom are in fact not solicitors but bogus solicitors set up by this company/ check all letters when you get them/ same print same size tiny letters and all the letters you get are from the same people.

Check out all PO Box addresses on all envelopes on google as they will have an address belonging to another company eg PO BOX 1934.

 

In all honesty it is the court whom sends bailiffs which are registered but you will find that if MARSHALL HOARES BAILIFFS write to you claiming they are registered then google hmcs and go on to their bailiffs site in which you will find that they are not upon the site or private bailiffs site.

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1a Sheffield road southbrough tunbridge wells is a disused garage.

Cavendish place is a council block of flats

PO BOX 153 sheffield a disused paper recycling centre

15 Lyndhurst terrace is an empty house owned by an old lady until her death in 2011 in which I visited in 2011

 

OFT will not do anything about this company as the OFT are looking for breaches by them but not intrested in their victims.

 

Look up on google Oliver Larholt sent to prison.

He is the so called owner of Toothfairy Finance, Marshall Hoares Bailiffs, Northern Debt Recovery, Atkinson and Firth Solicitors, Phillips Solicitors and claims to be part of the London Treasury lol but left under a big black cloud after he had tried to conn London Treasury before going to prison for threatening a taxi driver with a gun

 

Hmmm something not right

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Its not a criminal offense. It is however a breach of oft guidance. It only becomes a criminal offence if they pose as bailiffs or court officers.

 

As cor those addresses, if you have solid proof, get in touch with trading standards, oft and fos immediately. this entire groupf companies is currently under investigation.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi princess901028

 

 

I am in the middle of dealing with these loan sharks at the moment ill try and help you out the best i can.

 

So i got desperate needing cash to go out so stupidly went to Toothfairy Finance for a payday loan of £200 (This Later became £400)

 

Ended up spending just on £295 of it i think so repaid the rest to Toothfairy through their website bringing the balance down. The repayment date came around and the balance was around £492 repayment i opted to roll it over for £72 (without knowing this was only for 2 weeks)

 

A month passed and i received a phone call from a Blocked number, it was NDR or Northern Debt Recovery saying that i had missed my repayment date and my balance was now £700! When i asked how the balance could have gone from £492 to £600 in 2 weeks he got really aggressive saying it was a serious matter that i had not repaid in the time frame given. I had the money to pay the £492 back now so offered to pay him the £492 and he said (My Name) This has gone too far now you are in breach of your contract and we need this debt settling today. I did apologise saying i did not realise it was only 2 weeks i logged in on my phone and rolled the balance over its an easy mistake to make.

 

He said he would accept £600 today and that would be it account closed. As you can imagine i couldnt afford that i was happy that i had the amount to pay what i thought.

 

After numerous times of me saying i could not afford £600 i offered him £530 for the fact i obviously misread the dates. His answer then was right we need to escalate this matter your obviously refusing to pay and he hung up on me!. Very unprofessional.

 

That was the last i heard of him for a week, in the meantime i had been to my local citizens advice and they had already heard of Toothfairy and NDR and said they are difficult to deal with.

 

 

ANYWAYYYYY you have been through all the letters and that so i will cut to the chase

 

 

TODAY 14/09/2012 i am on a debt management plan with PayPlan. I have a few debts mainly payday loans on here every single one of them accepting monthly payments and i havent had a single letter off any apart from Toothfairy.

 

In the past week i have had 12 calls from NDR and a company called MHB (Marshal Hoares Bailffs) LIERS! they are all part of the same company.

 

They have contacted my mobile and my works number and sent emails to me about Door step Collections in 7 days. PayPlan have been sending them monthly payments which they have been cashing and i hadnt heard anything from them for a good few months so thought they had finally given in. I finally spoke to the man called John who said my balance was now £1680 and is going to increase by £72 tomorrow if i dont enter onto a payment plan as they are not accepting Debt Management offers.

 

He said he would accept £40.00 a month and offer me a deal of £1000 if i agreed to pay on my next payday (28th) of this month.

 

 

I informed him i would have to speak to my debt management company and asked for his number to call him back which he obliged. PayPlan told me that Toothfairy/NDR/MHB are all part of the same company MHB are NOT bailiffs and they are already under investigation by the OFT. However they said they have numerous clients with accounts with Toothfairy all in the same boat. They said i can pay them £40.00 otherwise the balance will just keep gettng bigger and bigger they never take you to court but the balance eventually could reach £10,000! one of their clients has a balance of £4390 with these people!

 

I phoned them back and offered to pay the £40.00 via direct transfer from myself so i was in control. I spoke to a man called Wayne who said he could lower my balance to £1400! I informed him that his colleague had offered me £1000. THIS IS WERE YOU CAN HAVE THEM.

 

They say calls are recorded so i said check your recordings from John he offered me £1000. Wayne then started to stutter going he shouldnt have offered that its not company practice.

 

So i am now on a payment plan of £40.00 a month until September 2014. I get a bonus of £600 each year so ill just pay it off and have done with these sharks.

 

 

If you are worried about them coming round to your house DONT BE!

 

They will never turn up they will never take you to court. I dont know how they get away with the charges but i just want them out my life so i have started to bring my balance down. STAY AWAY in future these people are criminals! They need to be shut down.

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Wait. You seriously admitted liability for their unfair and fraudulant charges? And you intend to pay them it?

 

dont know how they get away with the charges

 

Because you are willing to pay them, even though you already know they are fraudulant and unfair.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thanks for all that. I appreciate it

 

You really should reconsider paying them that. In my opinion all you owe them is the loan plus the orginal interest you agreed. I will not be paying anything additional to that at all.

 

I refuse to speak to them. I wrote them a letter last week sent it to all terr addressed and I had one back today "this is an empty garage"

 

After some fab advice on here I will pay them my remaining balance because it is what I agreed and they can "do one" for anything in addition.

 

I'm sure I read an article on the owner being in prison?

 

I get emails texts and calls daily.

 

I do think u should SERIOUSLY think about what your paying them!

 

Thanks have a good weekend x

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Hi princess. Did you report that reply to the OFT, as they are giving false contact information and indeed registration info for their credit licence?


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi everyone

 

 

Can you help me out with this then?

 

 

I have repaid £232 so far through my debt management plan and through the payment of the rest of the loan leaving me with about £240 left to pay maybe?

 

 

Should i just pay this and then refuse to pay the rest?

 

 

Thanks again.

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Pay the original Loan plus original interest. Nothing more. Then let them stamp their feet and try and justify the extortionate amount. They would NEVER take it near a court, because they wont want a judge to see whats going on. If they did issue court papers, then its 99.99% likely that they would discontinue, or simply not turn up at the hearing.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi renegadeimp

 

Thanks for the reply,

 

So basically pay them this £40 a month for a few months clear what i actually owe and then leave it? Shall i change my number so they cant contact me anymore?

 

 

I know they will never send anyone round to the house. Their letters are printed on cheap paper i even have a letter from them that has coffee ring stain on the back! This was sent like that!

 

 

Do i need to know anything else to combat these loan sharks? I am paying the rest of my debts through PayPlan and they are all fine with it, Its just Toothfairy and Friends.

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If they are calling you, send the telephone harassment letter. If they breach it, get reporting to the OFT and OFCOM. If they still keep calling you, then consider taking them to court for harassment. Especially if it becomes excessive.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Haha Nice find.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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