Toothfairy finance, NDR and Marshall hoares. Help I'm at breaking point.

[Piggerp85]

I've recently got into about 5 k of debt. Most of it being pay day loans. I decided to bite the bullet and s

[Conniff]

and what ??

[MARTIN3030]

Bite the bullet and ?

[Piggerp85]

Sorry error in posting. Bite the bullet and enter debt management with CCCS. All

[Piggerp85]

Sorry error in posting. Bite the bullet and enter debt management with CCCS. All Other creditors have accepted apart from these people above. They are threatening court action and home visits within 7 days now. I live in a shared house I don't want this. Ive explained to them already I'm

Paying all my excess cash into my plan but they won't accept it. Im thinking shall i just say to them take me to court?? I know they won't win but they pushing me to despair any help would be great thanks

[MARTIN3030]

Thread moved here,

[Piggerp85]

Thread moved where? Sorry new to all this ...

[MARTIN3030]

Into the forum for TF,

[Placidbob]

Don't worry too much, they're breaching multiple OFT guidelines for which a "sister company" speedcredit/paycheck credit is having it's license revoked.

Keep any emails you receive and write a formal complaint, they cannot refuse a payment plan.

They have recently sent doorstep collectors to my door, I would let everyone know in your house that this might happen (if it's your parents and they don't know this is hard i know, worse if they find out from the doorstep collectors though)- if this happens they have no right to be there and no right to enter your property, record them if possible if they do show, this will give you evidence, and make them uncomfortable and less likely to be threatening.

You've already explained that you're entering a debt management scheme (hopefully a recorded phonecall/letter/email, if not make sure you have evidence you have explained this to them) so if it goes to court (very unlikely) the judge will be in your favor, not only that they would have to justify a large number of unlawful charges (I'm assuming you've had the standard NDR fee of £350 etc applied to the balance) they would also have to go through numerous different methods of collecting the debt (bank acc arrest, wages arrest- Not very likely either as your on a debt management programme) before they can send Bailiff to the door, and this would only happen after defaulting on a payment plan set up by the courts.

All in all, I've not yet had much success dealing with this company, the main point in me posting this is to tell you don't stress, hopefully a more experienced poster can give you some advice on how to deal with this.

 

Info given taken from other threads with toothfairy and my own personal experience, sorry to say I can't guarantee everything in the above is correct

[Conniff]

Never ever be afraid of them, they are nothing and have no power over anyone though they like to think they do.

 

Make them an offer you can afford, one that isn't too high that there could be a missed payment if something unexpected should crop up. You then write to them and 'tell' them what you can afford take it or leave it.

Just send them the payments anyway.

Just keep any refusal letters and you can show a court if they should have the guts to go that far.