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    • I have contacted the sofa shop who are sending someone out tomorrow to inspect the furniture. I suspect if anything a replacement will be offered although I would prefer a refund. Few photos of the wear in the material, this is how it was delivered.  
    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
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    • Well done.   Please let us know how it goes or come back with any questions. HB
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Yet another one! Toothache fairy/Marshall Hoares


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There they go with that last part yet again, threatening to add all their ficticious fee's and charges that hold no weight anyway. Including the interest which they cant add on as per FOS regulations.

 

They also start threatening something completely wrong in point 3, which MUST be sent to the OFT, as it breaks guidance and the terms of 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

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I have sent them an email as per bombaymix advice, lets see what they say.

 

In both emails it mentions accepting my offer to pay £176 in 3 installments, in the NDR one it says to close the loan, and in the title of the email it says payment plan confirmation.

 

Eeek! Lets hope this isn't all too good to be true

 

H :)

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One thing to add. You dont want the loan simply closed upon paying those amounts. You want it settled in full. With no chance of them passing on the debt to another party and you want any markers on your credit file removed.

 

You might not get the markers removed, but the main thing is that those bogus charges dont get sold on.

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 H

 

Can you send me the email address you found then as I am having nothing but hassle from these people. I have emailed (emails just bounce back) I have written. never get a reply and I have called (they don't listen) yet today i get the following:-

 

BY LETTER AND EMAIL

 

Reference: ********

 

Client: Speed Credit - Speed Credit Loan***

Client Ref: 155*****

 

Date: 29/09/2012

 

Dear Rogers, (Cheeky Feckers didn't even address me by my correct name)

 

We are writing to give you formal notice that Speed Credit 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.

 

Our records show that you have failed to make payments / not come to an acceptable payment arrangement/ not responded to correspondences / when agents have visited your addresses you have not answered.

 

We intend to pursue you fully for all outstanding sums including any fees we incur collecting this debt. Payment of 1159 must be received in full no later than 13:00 SEVEN days fr om 29/09/2012

 

TAKE NOTICE: You should accept this letter as formal notification that unless payment is received within 7 days then your account will be 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 outstanding. 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 the 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 fo r 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".

 

Yours Faithfully

 

 

Marshall Hoares

Bailiffs & Enforcement Agents

t: 0843 381 1111

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As said before, ignore it. It is a standard letter designed to threaten and intimidate. The only thing you should do with it is contact their local trading standards and the OFT.

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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  • 2 weeks later...

Just remember guys. These guys are extremely hard to deal with. Plus their registered addresses arent actually anything to do with the companies. The OFT know this and are investigating.

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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Just send them emails to their registered addresses. If they bounce back, make sure to keep the bounce back email. You could send them normal letters, but they dont actually own or rent any of their registered addresses. They are empty properties that have no association with the companies. One of them is even a residential apartment that the owner got evicted from a few years ago for breaking his tenancy agreement.

 

Another is an empty garage that also has no association with him. We even had a poster on here go to the addresses to see if they were actually real.

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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Just keep emailing the registered email address, bombard them if you have to. eventually they will email back.

 

I just kept sending the same email over and over again, think I annoyed them into submission more than anything.

 

Good Luck! It can be done!

 

H x

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  • 3 weeks later...

Heeey guys

 

Just wanted to give you all a quick update on the situation.

 

I too like some of you were concerned that the email sent by toothfairy/ndr agreeing to a much reduced balance paid off in 3 installments was a fake.

 

Today (the day before my 1st payment was due) I received an email from them gently reminding me that the 1st installment of my payment plan was due, again detailing the 3 payments of £58.67. I logged into my online account on the ndr website to check and low and behold they have stuck to what they agreed and my balance is now £176 (not the £1400 they were stating before).

 

So as per their email I made my 1st payment via bank transfer with the correct ref numbers and have emailed them to confirm I have done this.

 

2 more payments to go! By 2013 I will be done and dusted with toothfairy!

 

Keep at it guys!! You can do it!

 

H x

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Hi Guys,

 

I have also agreed a payment plan with Speed Credit at only £10 per week £40 per month to pay off my loan they have also agreed to the initial borrowing plus 1 month interest as apposed to the thousands of pounds initially requested. I have it all in writing I have mad my 1st installment by bank transfer and they have backed off. Have to thank some people on here for keeping me sane and also giving me a contact email of someone who actually spoke sense and helped me a lot. Will be a while before I am Speed/Toothfairy free but at least for now I am not being bombarded on a daily basis.

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this is interesting - i have been e-mailing joseph xxxxxxx (one of the directors of toothfairy) and he will not let me pay less than £2000, even though I have caught him out a number of times trying to twist what I have been saying.

 

Nether the less, well done guys!

Edited by alanfromderby
:jaw::mad2::jaw:
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I emailed speed credit, toothfairy and marshall hoares! You have to use the contact us on their web pages as the emails will bounce back if you do it direct, but persevere, eventually someone will get back to you.

 

H x

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  • 4 months later...

Heeey Guys

 

Little update for you! After a long and drawn out battle this is all finally done and dusted! After setting up a payment plan last year, and sticking to it, Speedcredit/Marhsall Hoares/ NDR tried telling me they had not received my payments, even after getting my bank to run a trace on them and faxing them proof they still insisted that although I had paid what was agreed this was not enough to close the loan. After goodness knows how many emails, faxes and calls, I finally got them to agree to close the account and have confirmation that this loan is paid off! Logged into the site and it says " good news, this loan has been paid off" 8 little words have made me so happy, and a huge weight off my shoulders

 

Altho the cheeky buggers do go on to say, please feel free to apply for another loan. Hmmm no thanks, id rather stick pins in my eyes than deal with this lot or any other payday loan company ever again!

 

I have learned such a hard lesson from all this and will never get myself into this situation again.

 

Thank you so much CAG for being so helpful and full of non judgmental advice! You guys are legends!

 

H x

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