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Hi guys,

 

I'm wondering if anyone can help me with a toothfairy problem. I've had a number of payday loans that have become a problem in the last month or two. I've contacted all of them and come to a reasonable conclusion with all of them excluding Toothfairy. I've contacted toothfairy a lot of times both before and after the default. The outstanding balance on my due date was £544. I offered a repayment of £50 a month and on the due date I made the first payment of £50.00. Since then I have received a number of texts and emails from toothfairy, NDR and now Marshall Hoare debt collection all of which seem to be a part of Toothfairy. Up until today each time I contact any of these people I have had an automatic system response saying that payment plans are not acceptable and they want payment in full. This morning however I have received an email from Marshall Hoare saying that they will accept a payment plan of £150 a month. The problem is however that instead of it being for the £544 I originally owed them it is now for £1,090 which if you include the payment of £50 I have already made them is now over double what I owe already. I've made a complaint to NDR which they have said they will respond to within a month however in the mean time I'd like some advice as to what happens next from anyone who has had dealings in the past. I assume if this goes to court then I can argue about the unfair fees however I'd rather it didn't get that far, but also I have no intention of paying back over double the amount I am due. It hasn't even been a month since my due date currently! Any advide would be amazing.

Thanks

Lucy

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Do not worry, they won't take you to Court.

 

All you owe is amount borrowed plus 1 month interest plus initial default fee (that only applies if that fee is fair) minus any payment already made, all other charges are unenforceable penalty charges and they can't charge you interest after the original due date as there is no more credit agreement as that ended on the due date.

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Thank you for that. I have written back to them saying I only accept the original amount owed and I will continue to repay them 50.00 a month until it has cleared.

 

Has anyone managed any kind of settlement in the end with Toothfairy? I've seen a lot of posts about them but not many with a resolution - it would be nice to hear whether anyone has managed to come to any agreement with them.

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Not really seen much in the way of success stories, best most of us can hope for is pay off what we actually owe and then just sit back and laugh at the fantasy demands of these muppets.

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