toothfairy/ndr/marshall hoares bailiffs

[renegadeimp]

If you are worried about them stealing from you, write to them and revoke permission for them to debit your account.

 

Next, report your card as compromised to your bank, and instruct them to block any and all transactions to the companies above. Also, demand that any and all CPA's on the account relating to the above companies are cancelled. Some banks will refuse, but they will be breaking the law if they dont comply with your instructions.

 

Next, set up a parachute account to safeguard your incoming money. Never give the account info to anyone. Use the old one.

[collie12]

what's a cpa? can i really write to them and they can't take money out? i'm not clued up at all, sorry

[renegadeimp]

http://www.consumeractiongroup.co.uk/forum/showthread.php?336569-How-to-remove-a-lender-s-continuous-payment-authority

 

 

If you write to the creditor and instruct them not to debit the account, they would be stealing if they continued to do so. Normally you have to give the instruction in good time, as some creditors start the transaction up to 3 working days before. Direct debits are known for this.

 

However, a LOT of creditors, especially PDL's and DCA's completely ignore instructions and carry on regardless. That is why you need to set up a parachute account and follow the advice already given.

[fkofilee]

Hey There

 

Seriously they cant do anything to you. Please speak to the bank about cancelling your Current bank card to remove their CPA (Continuous Payment Authority) and make your account safe again.

 

they wont do anything, and to be fair they are the lowest of the low... The OFT have just sanctioned MCO Capital which are part of the Cim Tech Brand of companies, which include Toothfairy Finance... it wont be long before they go.

[WakaWaka]

Hello,

 

I've had similar problems with these companies, they are HORRIBLE!! I took out a loan in May for £400 and when it came to paying it back I couldn't afford the full amount but offered a payment plan and they declined. Now they are saying I owe them £1500!!!! It's a joke, I arranged a debt management plan with another company and called the MH bailiffs to tell them not to contact me and to contact them and they laughed and said good luck with that, I feel sorry for you because you're going to get so many charges! They are AWFUL people, I can't stress it enough! They said it was my fault for not replying to emails and phonecalls but I only just found out all their emails go into my junk folder which I don't check and they call on a private number which my phone blocks. They are theiving £$%£!^!!! Soooo angry! I hope you get it sorted, offer to pay the amount you owed and one month's charges and if they don't accept that say fine, take me to court. I imagine that'll cost them a lot more than what you owe.

[renegadeimp]

Never call them on the phone unless you are able to record the call. Only ever deal with these idiots in writing. That way you have complete evidence of their business practices.

[FrugalJo]

Collie

Hope you are okay. Please don't worry soo much. I was in a mess with this bunch and also got very scared at their tactics. They really are bullies.

Stick with Rene's advice.

[collie12]

Well, haven't heard from them since that email last week. But seeing as it said i had until yesterday to pay, am expecting some today. Thanks everyone for al the help

[rockapesrus]

Well, haven't heard from them since that email last week. But seeing as it said i had until yesterday to pay, am expecting some today. Thanks everyone for al the help

Hey Collie12, Please dont worry about these idiots. Honestly, I had no end of problems with these scumbags. They will try every trick in the book to try and panic you into giving them more than what you can afford to pay.

Trust me, no balliffs will call at your door but if they do turn up for some reason, you have the right to ignore them. NEVER I repeat Never let them into your home without a court warrant. If they do decide to take you to court, it will be a long way off and the chances are, Toothfairy will be out of business by then!! Plus its not in their interest to get to court only for the court to rip them to shreds.

 

Chill and dont worry, they tried it with me and it didnt work!!

[dpick]

Just had a look at NDR and Marshall Hoares web sites to do with another thread on CAG and both seem to be down seems they may be in a bit of trouble.

 

dpick

[rockapesrus]

Just had a look at NDR and Marshall Hoares web sites to do with another thread on CAG and both seem to be down seems they may be in a bit of trouble.

 

dpick

 

Ha Ha Ha oh dear what a shame!!! Hope this is maybe the end of these scumbags once and for all.

[bacwwe]

Hi everyone, I took one of these out in December last year for 400. This is the honest truth, I totally forgot about it and never paid it and they never chased me for it until a couple of weeks ago. Ever since, I've had letters, emails and calls from Toothfairy, NDR and Marshall Hoares. They don't let you email them back so I wrote to all three asking who the debt is now legally assigned to. Never had an answer. I get one letter every day from either Toothfairy, NDR or Marshall Hoares with the usual threats but they all quote different amounts owed ranging from 930 to 2060. Obviously I've kept all these just in case and also copies of all letters I sent back to them. Eventually I managed to get a fax number out of them in order to fax through my proof of benefits and at my suggestion a copy of my current income expenditure form. Tried to fax it this morning (Saturday 18th) but the fax number didn't pick up. So, I called them and asked for the fax number again, they ask, whose calling, I say, it doesn't matter whose calling just give me the fax number. They say the fax number which is the one I had and I tell them its not working, they say it is. Whose calling. I say I'm not telling you whose calling but I will say that I am recording this call for quality purposes! I'm not really!! They then say we cant help you unless you tell us whose calling, I say goodbye. Went onto their website to try and contact but all websites apart from toothfairy are down. I've already told them in writing that I will pay what I consider reasonable (the loan and one month interest) at a rate to suit my budget but the don't respond. I also say that as I have no house, no car, no assets or anything of value, then if they want to take me to court then please go ahead and I will declare bankruptcy in which case they will get zero. But now I can't contact them unless I send snail mail, should I continue or leave it a bit? Thaks for reading.

[renegadeimp]

They are all under investigation and one company has already lost their license. It seems they went all out in the last month or two in a vain attempt to claw back as much money as they possibly can before they lose their licence to collect.

 

For now, i would leave it and see what happens. If they are able to resume collections, then you can negotiate a repayment plan with them.

[collie12]

I can't believe I've had a week of peace after weeks of dozens of emails, letters and phone calls every day. Am just gonna leaving it and see if they ask again then try pay back what i can afford

[collie12]

Spoke to soon. Had a text and email today sayin as they haven't heard from me, i now have another 7 days to reply or they Will continue to phone, text, email until i do answer. Someone Will visit my Property and they Will start preparing a case for court. Should i reply?

[renegadeimp]

Remind them of their obligations under OFT guidance that states a creditor can only contact you by your preferred means. This means in writing, as it is also your legal right.

 

As for someone visiting your property, read the doorstep collection thread in the CAG library. Also, i very much doubt they would start a court claim, unless they wanted their very bad business practices to be shown to the world.

[collie12]

VISIT ARRANGED. Call now on 08433811111 to confirm a convenient time for this as waisted visits will be charged for if no contact is made and you are not home.

 

Just received this text. I received an email yesterday sayin debt is now 925. Do i contact them or just not answer door?

[tinkerbell_2k12]

in the case that someone does turn up do not answer the door, just keep updating your complaint with the OFT .

[Jamie Kingston]

no one's coming to your door. Sleep easy...

[fkofilee]

If they do, just ignore the door

[collie12]

Just had email sayin someone Will come to my door to DEMAND payment and they Will return until they have it all! If i ignore i Will be taken to court without further warning! Xx

[fkofilee]

Just had email sayin someone Will come to my door to DEMAND payment and they Will return until they have it all! If i ignore i Will be taken to court without further warning! Xx

 

I wouldnt worry, just let it pass... , they arent a friendly bunch but we can deal with that

[renegadeimp]

Yup. Also report them to the oft as they are bordering on the criminal offence of demanding money with menaces.

[eglee]

I would like to confirm that Marshall Hoares Bailiffs ARE NOT BAILIFFS and are not registered as a bailiffs on HMCS or private bailiffs register.

Before you start to get really worried Marshall Hoares do not have any legal powers whats so ever to chase debts.

Northern Debt Recovery, Toothfairy Finance and Marshall Hoares Bailiffs are in fact the same company therefore the law states that they have to employ a company to collect the debt on their behalf but can not employ themselves I mean they are paying themselves so where is the profit in that.

I have never known any person getting taken to court for owing money to toothfairy and I have never known MHB to ever attend a persons home with the prospect of removing items.

The dead give away is their Email address as it clearly mentions both Toothfairy and marshall hoares on their email address which means that they are the same company.

 

It is illegal for any recovery company or bailiff company to try and remove funds from your account without your permission if you have removed the direct debit.

 

Firstly contact your bank and state you need a replacement card as you have lost your card.

Any bank will do this without asking questions.

REMEMBER they have your card details and if you get a new card they can not remove any money from your account.

 

secondly do not respond to emails they may send or get into any conversation with them over the phone as this may upset you even further.

If you keep getting threatening text then your network provider will change your number free of charge.

Please also remember that their repay rates are exstortionate and illegal as they were warned numerous times about over charging.

 

It is VERY UNLIKELY THAT YOU WILL GET A DOORSTEP VISIT so do not be a prisoner in your own home.

If they do visit then do not leave your doors and windows open and do not answer the door to them or get into any form of conversation with them.

 

REMEMBER IF YOU INVITE THEM IN BUT REFUSE TO LET THEM IN ON THE NEXT VISIT THEN THEY CAN USE FORCE TO GAIN ENTRY AS YOU HAD WILLFULLY ALOUD THEM IN ON THE FIRST VISIT.

bare in mind they are not registered bailiffs or recovery agents and can not provide proof that they are registered therefore if entry is forced they are committing a criminal offence which they can be arrested for a number of offences such as unlawful entry, theft, demanding money with memeces, impersonating a bailiff in which if found guilty receive a custodial sentence.

You would not let a stranger in therefore do not let them in.

I know this must be distressing for you but you really do not have anything to worry about.

 

DO NOT RESPOND TO THEIR LETTERS/EMAILS AND IF THEY RING DENIE YOU ARE THAT PERSON AND DO NOT ANSWER THE PHONE AGAIN AS THEY WILL GO AWAY IF YOU ABIDE BY THOSE VERY SIMPLE STEPS.

 

Best of Luck

[eglee]

I would like to confirm that Marshall Hoares Bailiffs ARE NOT BAILIFFS and are not registered as a bailiffs on HMCS or private bailiffs register.

Before you start to get really worried Marshall Hoares do not have any legal powers whats so ever to chase debts.

Northern Debt Recovery, Toothfairy Finance and Marshall Hoares Bailiffs are in fact the same company therefore the law states that they have to employ a company to collect the debt on their behalf but can not employ themselves I mean they are paying themselves so where is the profit in that.

I have never known any person getting taken to court for owing money to toothfairy and I have never known MHB to ever attend a persons home with the prospect of removing items.

The dead give away is their Email address as it clearly mentions both Toothfairy and marshall hoares on their email address which means that they are the same company.

 

It is illegal for any recovery company or bailiff company to try and remove funds from your account without your permission if you have removed the direct debit.

 

Firstly contact your bank and state you need a replacement card as you have lost your card.

Any bank will do this without asking questions.

REMEMBER they have your card details and if you get a new card they can not remove any money from your account.

 

secondly do not respond to emails they may send or get into any conversation with them over the phone as this may upset you even further.

If you keep getting threatening text then your network provider will change your number free of charge.

Please also remember that their repay rates are exstortionate and illegal as they were warned numerous times about over charging.

 

It is VERY UNLIKELY THAT YOU WILL GET A DOORSTEP VISIT so do not be a prisoner in your own home.

If they do visit then do not leave your doors and windows open and do not answer the door to them or get into any form of conversation with them.

 

REMEMBER IF YOU INVITE THEM IN BUT REFUSE TO LET THEM IN ON THE NEXT VISIT THEN THEY CAN USE FORCE TO GAIN ENTRY AS YOU HAD WILLFULLY ALOUD THEM IN ON THE FIRST VISIT.

bare in mind they are not registered bailiffs or recovery agents and can not provide proof that they are registered therefore if entry is forced they are committing a criminal offence which they can be arrested for a number of offences such as unlawful entry, theft, demanding money with memeces, impersonating a bailiff in which if found guilty receive a custodial sentence.

You would not let a stranger in therefore do not let them in.

I know this must be distressing for you but you really do not have anything to worry about.

 

DO NOT RESPOND TO THEIR LETTERS/EMAILS AND IF THEY RING DENIE YOU ARE THAT PERSON AND DO NOT ANSWER THE PHONE AGAIN AS THEY WILL GO AWAY IF YOU ABIDE BY THOSE VERY SIMPLE STEPS.

 

Best of Luck

 

IF THEY DO ATTEND YOUR HOME THEN YOU ARE ENTITLED TO DIAL 999 AND ASK FOR THE POLICE.

The police will attend and ask them for proof that they are bailiffs such as registration identifcation and will do checks.

If the bailiffs state that they will call the police and the police will force entry then do not worry as the police to not have powers to force entry under civil law.

The police can only force entry for criminal matters such as failing to attend court or other criminal offences but will only act after two visits.

 

Bailiffs should not be involved at this point as they have not taken the case to court.

It is the court whom send in their own bailiffs but its very unlikely this will be the case as the case has not been to court therefore any letters sent by MHB are in fact illegal.

REMEMBER MHB do not have a real address, to prove this then google any PO BOX address they put on their letters.

Their address in Tunbridge wells is a disused garage currently on the waiting list for its distruction