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I think alot of people get worried about these companies but what alot of people do not know is the fact Toothfairy Finance/Northern Debt Recovery and Marshall Hoares are in fact the same company.

The give away is the envelopes that they send their letters out in.

If you get any solicitors letters about your debt check the back of your envelope.

Also check out northern debt recovery and orange plc as this company use to act for orange but were dismissed under a rather black cloud after unfair debt collection practices.

These idiots have been threatening me with doorstep collections for over 3 years and never do anything.

Once 3 years have exspired then these companies can no longer chase the debt if they have not obtained a liability order.

Take their address in Tunbridge wells which may appear on some letterheads as gen but further checks would state that its a disused garaged.

Look at their spelling of Tunbridge wells spelt Tumbridge wells hmm not thought through too well.

All their PO box addresses are registered to other companies long since packed up shop.

There head office is in fact a block of flats owned by the council.

Oliver Larholt director of all thesae companies servered 2 months in prison for threatening a taxi driver with a rep gun something tells me these companies are bad news.

they say I borrowed £100 and the debt is now £19,477 hmm i think not I never had a lone but they got my details from 24/7 cashline and added their direct debit to my bank account for a loan i did not have.

I have had all the threats threatening to turn up but never do but mind you i have 2 big dogs

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If you search Charus at companies house you will find an interesting surname on the list of directors.

 

This will take you to a company called Affinity Consultants at the same address. Director, one Gary Chapple.

 

Which brings us back to Marshall Hoares bailiffs.


Illegitimi non carborundum

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Yep, he also was involved in the dissolved Southern Cyprus Properties, ERIAGON Ltd and COMPUTER RENTALS UK Ltd.

 

The Director of Eriagon Ltd was one Mr Richard Bradley Paine who is both Director and Secretary of ABIDANE Ltd, which is registered at a odd address that actually belongs to JOHN BULLOCK DESIGN CONSULTANTS, he is also Director of Adapt Solutions Ltd which supposedly has the purpose of Other letting and operating of own or leased real estate which seems a bit odd with a Capital of £12 as of 1st May 2012, also the address for it is actually a field.

 

There are plenty more strange companies linked... but I feel I need to make a chart to not get lost in the mess of Gary Chapple and friends myself.

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Guest HardToBeat
There is also another company claiming to be located at the same address as Marshall Hoares garage..

Charus Automatic Ltd who supposedly make gambling machines. http://www.local-buzz.co.uk/business/charus-automatic-ltd/1580909

 

 

 

 

And who excatly do you think controlled Charus Automatic Limited:whoo::whoo::whoo:,,none other than relatives of the one and only Mr Gary Chapple connected with all the Larholt enterprises:ballchain::ballchain::ballchain:.

 

Charus Automatic was controlled by Michael and Avril Chapple,it can be inferred from the ages of these 2 that they are most likely his parents:bump2::bump2:

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Guys. You must send this info in good and understandable order to the OFT, as those companies are under investigation. If it's found that he is breaking the law with his companies, he will be in big trouble.


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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Yep, I'm in the process of compiling a chart of Garry and his known associates and the various companies (including ones registered in fields) to make it easy to understand for OFT, Trading Standards, Stella and so on

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Make sure you have concrete evidence that it affects the running of the PDL companies, as Mr chapple could easily say they are other companies that he owns, and he prefers to register them to the same address. Although the physical location of some of the addresses should make the OFT sit up and take notice.


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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Charus automatic was the company whom owned that property until they went bust in 2009.

Marshall hoares bailiffs had been using a number of empty properties for mail purposes only but would claim to be trading from them.

I became very suspitious when the letters I was sending were sent back to me NOT KNOWN AT THIS ADDRESS.

I then decided to ring Marshall hoares in which they had confirmed that they were in fact trading from that address.

As I only live 12 miles from that address I decided to pay a visit to that address.

I arrived at that address to find that it was a garage which was empty and in a poor state which also appeared to be up for sale.

I made further enquiraries with the accountants office next door whom stated that the property had been empty since 2009 in which the accountants had also recieved letters addressed to marshall hoares in which I had been able to confirm that marshall hoares had never traded from that address or even owned.

I also rang them while outside of the property and again asked where they were based in which they gave the same address in Tunbridge wells and that he had admitted that he was in the office so he was invited down to talk about the so called debt in which the person whom I was talking to told me that he was not in that office but in another office and that address in Tunbridge wells was an UNMANED AND PAPERLESS OFFICE in which they rely on a master computer system to chase debtors.

As the garage was for sale I decided to contact the estate agent so that I can view inside that property.

The estate agent arrived and we went into the property.

I walked around the property with the estate agent and found no evidence of any occupation after 2009 and no master computer system but a large amount of letters addressed to NORTHERN DEBT RECOVERY, TOOTHFAIRY FINANCE MARSHALL HOARES BAILIFFS,OLIVER LARHOLT, GARY CAMPBELL AND TOOTHFAIRY CHECK EXCHANGE.

It would seem that not only are they avoiding letter contacts but are using false addresses to stop people taking these idiots to court.

 

Marshall Hoares bailiffs told me that if I am not prepared to pay then I must be hiding something.

HMMMMM Who is hiding from the so called debtors

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very interesting, I recently had letters returned with "this is a disused garage" that I sent to them. Surely this has to be looked at by someone! its crazy

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As the garage was for sale I decided to contact the estate agent so that I can view inside that property.

The estate agent arrived and we went into the property.

 

Thanks a lot for your post, this confirms evidence I've found elsewhere.

About the bit I quoted, do you happen to remember the Company name of the estate agent?

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Eglee, i cant state this enough, but you MUST get this to the OFT asap, as this could get their licence revoked.


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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Gary Chapple along with some unnamed parties had several businesses registered where Gary Chapple was supposedly trading with used car which would justify renting a garage especially considering the companies where he was supposedly dealing with used cars where registered at residential properties (there are however very serious doubts about that "official" version, can't elaborate on them here in the interest of preventing the destruction of evidence).

 

However at the time when that supposedly happened the Garage rented was supposedly used by Charrus (which has nothing to do with Cars and coincidentally was owned by his parents).

 

The property had been rented from one Mr. XXX (Name withheld by me) who passed away and left the property to his Son Mr xxx (name again withheld by me), who does not agree with Marshall Hoares or any of their associates using the property in any shape or form, plus it was / is for sale at a market price of £250000, on top of that Neighbours have not noticed any business related activity in recent times at the property.

 

There is also no evidence for a mail forwarding service being in place, so mail just piles up there in unread condition, which aligns beautifully with emails sent bouncing, addresses in fields, blatantly false addresses as well as excessive use of po boxes. Which seems very strange for someone who is owed money, after all the last thing you want to do is hide if someone owes you money.

 

And thats just the Garage aspect of TF...

 

 

I'll be firing off a very detailed complaint to the OFT, Trading standards later today (along with various others which I can't all disclose for now) and that complaint won't just encompass the Garage aspect, Gary if you're reading this, the game is up.

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Hi, Can we presume then that Gary and Greg Campbell are one of the same person. I am currently receiving daily text messages from NDR on behalf of speed credit/Tooth Faity finance. I have also received letters and emails all threatening me with Bailiffs etc etc. If I try to reply to the email it is just bounced back as invalid address or user refused. Fedup.com now. I have written a lengthy complaint to OFT but had nothing in return and also coped the letters and emails on here under the ttrle Another Toothfairy Story. I really don't know how theses people get away with it. I have had payday loans in the past with reputable companies who listen if you want to reduce payments, they may not like it bur as long as you pay something they stay off your back etc. Unlike these idiots who just keep threatening Bailiffs

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Guys, lets not get too far ahead of ourselves, and lets definitley not start accusing people of things before we have actual hard proof in front of us. If we cant back up what we are saying then it could have repercussions for yourselves AND cag.


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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I will see if I can find the estate agents name and let you know

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ive read all the threads on here and would just like to say,i have a big file on this lot sitting with the oft in camden,i did however take my case up with th e ombudsman and sent them copies of the same file,eventually a few months ago my charges came down from nearly3k to 700,i had 100 knocked off for the way id been treated and pay it off at 3.50 per month ,dont know if this helps but does show you can fight and sometimes can have a little success.this dosnt mean to say im thrilled but its a little easier to bear.

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ive read all the threads on here and would just like to say,i have a big file on this lot sitting with the oft in camden,i did however take my case up with th e ombudsman and sent them copies of the same file,eventually a few months ago my charges came down from nearly3k to 700,i had 100 knocked off for the way id been treated and pay it off at 3.50 per month ,dont know if this helps but does show you can fight and sometimes can have a little success.this dosnt mean to say im thrilled but its a little easier to bear.

 

How much was your orginal loan for tho?

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Guest HardToBeat

Excellent, i assume the agent didnt ask for all your details when you decided to view? Who knows wether somehow these could "leak" back to the client:pray:, you should have recorded the whole viewing using some sort of device,would make fascinating viewing:smile:.

 

You are doing a great job in investigating, keep up the great work:smile:

 

 

 

As the garage was for sale I decided to contact the estate agent so that I can view inside that property.

The estate agent arrived and we went into the property.

I walked around the property with the estate agent and found no evidence of any occupation after 2009 and no master computer system but a large amount of letters addressed to NORTHERN DEBT RECOVERY, TOOTHFAIRY FINANCE MARSHALL HOARES BAILIFFS,OLIVER LARHOLT, GARY CAMPBELL AND TOOTHFAIRY CHECK EXCHANGE.

It would seem that not only are they avoiding letter contacts but are using false addresses to stop people taking these idiots to court.

 

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tinkerbell the original loan was 400 but escalated like for everyone else so i dug my heels in,ignored all thier threats and fought on,did take bout 6-8 months ,and although im not happy at payin 700 it could of been worse,you have to be strong and not let them win,i think toothfairys demise is not 2 far away,keep the faith and do not buckle,ps the agreement is binding so they cant ask for anymore as long as i keep my payments up.

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tinkerbell the original loan was 400 but escalated like for everyone else so i dug my heels in,ignored all thier threats and fought on,did take bout 6-8 months ,and although im not happy at payin 700 it could of been worse,you have to be strong and not let them win,i think toothfairys idemise is not 2 far away,keep the faith and do not buckle,ps the agreement is binding so they cant ask for anymore as long as i keep my payments up.

 

Good to hear you won against them despite havin to pay that little more than u shud have too, and i really do hope their demise is not too far off. Good for you standing your ground as thats what im doing too :)

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I just received a text message from northern debt recovery stating ........MR LEE, YOU COMMITTED TO A PAYMENT PLAN TO SETTLE YOUR TOOTHFAIRY LOAN.....PAYMENT OF 18 IS DUE TOMORROW.....FAILURE TO HONOUR THIS AGREEMENT WILL INCURR FURTHER CHARGES WHICH WILL BE ADDED TO THE OUTSTANDING DEBT.

 

Hmmm I dont remember getting invoved with a payday loan and I do not remember telling NDR that I agree to any payment plan..... There email facility on their website will not allow anyone to send messages to them......HMMMM SOMETHING IS NOT RIGHT

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That's the standard message from them once they made up a payment plan for you without asking you.

They will first try to charge that amount from whatever card data they have, then if that fails they will try the card for the full alleged debt, then when that fails as well they will just hammer it with random small amounts, when that fails as well they will just pile on more charges and the whole process starts all over again a couple days later.

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They have a 3 year time limit to take the matter to court for recovery of the full debt.

If they do not take the matter to court within that time limit then any debt is unforcable by law.

I have heard many stories about these companies whom send the threats but as far as i know never attended any debtors home.

I have just spoken to ndr whom state that the time limits do not apply to them as they intend to seek a liability but claim that the debt now stands at £9,451 which they state is the charges on a £100 loan.

I just think that this company is a joke whom think that it is ok to harass innocent people into paying up.

What ndr state is that a person with the same name has been found in which they beleive that this person has had the loan therefore responsible for that loan....

 

MY POINT IS THAT THERE MUST BE HUNDREDS OF PEOPLE WHOM SHARE THE SAME NAME

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Over 9 grand fees on a £100 loan? fees like that are unenforceable from day one.

Due to the extreme difference between fees and debt there would actually be a good chance that a Judge would just let you off the hook completely and not even make you pay the £100.

 

3 years? wasn't it 6 years to become statute barred?

 

 

I have just spoken to ndr whom state that the time limits do not apply to themE

 

Typical NDR / TF garbage, laws and regulations do not apply to them, as if.

Send a complaint about each such claim you get to OFT, Trading Standards, Stella Creasy,Watchdog and so on.

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