SpeedCredit

[vp81]

Hi all, got £200 from them, but because was in cycle to take one loan and pay back other, was unable to pay this back in time, they passed my account to NDR and now NDR passed this to Marshall Hoares Bailiffs, not sure if they will pass further, but for me it seem stupid that debt recovery passes to next debt recovery and amount from £200 got to £883, is it legal to do that? And is there any way to reduce that cosmic late fee charges? Also got this today:

 

BY LETTER AND EMAIL

 

Online payment ID: ##########

 

Outstanding amount: 883

 

PRE-VISIT Notice

 

Client: Speed Credit - Speed Credit Loan**-***TB

Client Ref: ########

 

Date: 25/11/2012

 

You have failed to make suitable repayment arrangements concerning the above arrears which remain outstanding.

 

Our recovery Agents will now visit your premises to arrange payment . This will involve a person visiting you to demand payment. Should the payment not be forthcoming, further visits will take place until we have payment in full. All visits may be chargeable.

 

You must make the IMMEDIATE FULL PAYMENT of all outstanding amounts (as shown above) to prevent this action from commencing or contact us to arrange a suitable repayment plan.

 

YOU HAVE 3 days FROM THE DATE STATED IN THIS NOTICE TO MAKE PAYMENT

NOTE: THIS IS YOUR FINAL CHANCE TO AVOID COURT ACTION. NO FURTHER WARNING WILL BE GIVEN

 

A fully prepared case will be sent to your local County Court for Judgment against you as well as agents instructed to your door. After a successful judgement we would seek a Warrant of Execution to seize goods and / or obtain an attachment of your earnings to have this debt deducted directly from your salary, this would require us to liase with your employer.

 

WE ADVISE YOU TO CONTACT US IMMEDIATELY on 08433811111

 

Yours faithfully

 

 

 

Door Collections

Marshall Hoares Bailiffs

Telephone: 0843 381 1111

 

 

The content of this email should not be considered as an acceptance of any offer unless we previously review and expressly approve in writing your terms and conditions relating to the subject matt er of this email.

 

The information in this email is private and confidential. If you are not the intended recipient(s) or have otherwise received this email in error, please delete the email and inform the sender as soon as possible. This email may not be disclosed, used or copied by anyone other than the intended recipient(s). Any opinions, statements or comments contained in this email are not necessarily those of Marshall Hoares Bailiffs Limited. If you wish clarification of any matter, please request confirmation in writing.

 

Marshall Hoares Bailiffs Limited is a company registered in England and Wales whose registered address is Marshall Hoares Bailiffs Limited, 15 Lyndhurst Terrace, London, NW3 5QA, United Kingdom. Company registration number 06871092. Marshall Hoares Bailiffs Limited is licensed by the Office of Fair Trading under Consumer Credit Licence number 631168.

 

We take precautions to minimise the risk of this email containing a softw are virus but you should use virus checking software.

 

 

Thank you.

[Old Cogger]

for genuine bailiffs to come to your house in that context could only be done via court case been dealt with, this is like Phillips bailiffs who are DCAs in disguise,

[Bazooka Boo]

This doesn't ring true to me.

 

For bailiffs to get involved this must have gone to court already has it?

[Old Cogger]

This doesn't ring true to me.

 

For bailiffs to get involved this must have gone to court already has it?

 

o.k. give the peep the info required!

[vp81]

This doesn't ring true to me.

 

For bailiffs to get involved this must have gone to court already has it?

 

No, it just been passed from NDR to this MH Bailiffs, also that amount of £883 looks fraudulent for me aswell.

[zydeco]

Don't forget, Marshall Hoares are NOT bailiffs, they're just another part of Speed Credit/Toothfairy/NDR etc.

[Bazooka Boo]

OK, been doing a bit of research, and it seems this is the normal MO with speed credit and toothfairy, if this has not gone to court then Marshal Hoares CANNOT act in their bailiff capacity, they can ONLY act as a DCA.

 

This realy really needs reporting ASAP to the OFT&TS there is a big question mark over this company so all the complaints made the better, also lodge a formal complaint to the OFT&TS about the incompetent actions of NDR.

 

I'll do a bit more digging, but in the meantime, Marshall Hoares CANNOT act as bailiffs, so they CANNOT threaten you with removing goods to the value of, or threaten you with paying for their visits etc etc, they can ONLY act as debt collectors, therefore they have absolutely zero legal powers to do anything.

 

When did you take this speedcredit loan out?

[vp81]

OK, been doing a bit of research, and it seems this is the normal MO with speed credit and toothfairy, if this has not gone to court then Marshal Hoares CANNOT act in their bailiff capacity, they can ONLY act as a DCA.

 

This realy really needs reporting ASAP to the OFT&TS there is a big question mark over this company so all the complaints made the better, also lodge a formal complaint to the OFT&TS about the incompetent actions of NDR.

 

I'll do a bit more digging, but in the meantime, Marshall Hoares CANNOT act as bailiffs, so they CANNOT threaten you with removing goods to the value of, or threaten you with paying for their visits etc etc, they can ONLY act as debt collectors, therefore they have absolutely zero legal powers to do anything.

 

When did you take this speedcredit loan out?

 

It was on 10 September, amount £200.

Thank you.

[Bazooka Boo]

OK, have a read of the following links, and make up your own mind, personally, I wouldn't be the slightest bit intimidated with this very very questionable outfit who claim to be bailiffs, just please ensure you make as many complaints as you can not only to the OFT&TS, but your local MP and BBC Watchdog, it seems that they are a particularly nasty unqualified clown outfit, who make up their own laws and rules to suit.

 

http://forums.moneysavingexpert.com/showthread.php?t=3236722

 

http://www.oft.gov.uk/news-and-updates/press/2010/116-10

 

http://tacklingthetoothfairy.wordpress.com/2011/07/02/letter-of-instruction-marshall-hoares-bailiffs/

 

Absolutely criminal.

[vp81]

And just remembered, received these three emails in one day regards this loan aswell:

 

1. (21/11/2012 06:02)

 

Loan Ref: ######### / #####/ 7

 

21/11/2012

 

Dear Mr########,

 

You agreed to automatic payments to settle your Speed Credit Loan**-***TB.

 

You are aware that these payments are necessary to avoid further charges, recovery and legal action.

 

You were committed to pay GBP 240 by 21.11.2012.

 

The following payment of GBP 240 in relation to your loan Speed Credit Loan**-***TB - Ref 16128800 has been DECLINED by your bank today.

 

Your transaction reference is: ############## / 7

Error Code: DECLINED - The supplied expiry date is in the past

This may appear on your statement as a transaction processed by: tf-f or London Treasury Services

 

Your outstanding balance is GBP 883.

 

By failing to honour this agreement all charges will immediately become due. Recovery Agents will be sent to all addresses we have on file for you in order to obtain payment. Should this also prove unsuccessful we will be liaising with solicitors who will obtain a County Court Judgement against you. Once this is secured we will return with a Warrant of Execution from the County Court and certified Court Bailiffs to seize goods at 9 times the value of what you owe.

 

It is essential that you honour your commmitment .

 

You should pay GBP 240 by:

 

1. going online at www dot northerndebtrecoverydot com and clicking Pay Now;

 

OR

 

2. making payment to:

Barclays Bank

Account Number: 93462382

Sort code: 20-50-94

Reference: Use your mobile number (###########) as a reference so we can match it correctly

 

Please ensure that these funds reach us by the end of business.

 

Note: We reserve the right to contiune to automatically debit your account for the agreed scheduled amount OR the full amount if payment is not received.

 

If you have already repaid and this is not reflected in the above statement please contact us so we can investigate this further and correct your file.

 

Kind regards

 

 

 

Speed Credit - Loans Team

t: 084 3381 3381

ïï€ Please consider the environment before you print this email.

 

2. (21/11/2012 06:22)

 

Loan Ref: ########## / #####/ 7

 

21/11/2012

 

Dear Mr #######,

 

You agreed to automatic payments to settle your Speed Credit Loan**-***TB.

 

You are aware that these payments are necessary to avoid further charges, recovery and legal action.

 

You were committed to pay GBP 288 by 21.11.2012.

 

The following payment of GBP 288 in relation to your loan Speed Credit Loan**-***TB - Ref 16128800 has been DECLINED by your bank today.

 

Your transaction reference is: ################ / 7

Error Code: DECLINED - The supplied expiry date is in the past

This may appear on your statement as a transaction processed by: tf-f or London Treasury Services

 

Your outstanding balance is GBP 883.

 

By failing to honour this agreement all charges will immediately become due. Recovery Agents will be sent to all addresses we have on file for you in order to obtain payment. Should this also prove unsuccessful we will be liaising with solicitors who will obtain a County Court Judgement against you. Once this is secured we will return with a Warrant of Execution from the County Court and certified Court Bailiffs to seize goods at 9 times the value of what you owe.

 

It is essential that you honour your commmitment .

 

You should pay GBP 288 by:

 

1. going online at www dot northerndebtrecovery dot com and clicking Pay Now;

 

OR

 

2. making payment to:

Barclays Bank

Account Number: 93462382

Sort code: 20-50-94

Reference: Use your mobile number (###########) as a reference so we can match it correctly

 

Please ensure that these funds reach us by the end of business.

 

Note: We reserve the right to contiune to automatically debit your account for the agreed scheduled amount OR the full amount if payment is not received.

 

If you have already repaid and this is not reflected in the above statement please contact us so we can investigate this further and correct your file.

 

Kind regards

 

 

 

Speed Credit - Loans Team

t: 084 3381 3381

ïï€ Please consider the environment before you print this email.

 

3. (21/11/2012 10:11)

 

BY LETTER AND EMAIL

 

Online payment ID: #########

 

Outstanding amount: 883

 

Demand for payment

 

Client: Speed Credit - Speed Credit Loan**-***TB

Client Ref: ############

 

Date: 21/11/2012

 

Despite our previous demand for payment you have failed to clear your arrears (as stated above) or make suitable repayment proposals.

 

The amounts which remain outstanding to the above named client must be paid in full within THREE days of this demand. Should you be unable to pay the amounts outstanding, within THREE days, you MUST contact one of our customer service operators on Tel: 08433811111 to arrange a suitable repayment plan.

 

If you ignore this demand for payment or fail to arrange a suitable repayment plan with in THREE days, we will issue this case to one of our debt recovery agents to attend your premises to arrange payment with you.

 

NOTE: DOOR VISIT- please call to arrange a convenient time for one of our Enforcement Agents to visit to discuss repayment. If we do not hear from you we will visit at will. Failed visits may be charged for.

 

NOTE: COURT ACTION - All necessary documents have been compiled into a legal case file to evidence the issue of this credit to you, and your refusal to come to a satisfactory arrangement to settle this debt. This is ready to be automatically submitted to your local County Court in order to seek a Judgement against you.

 

Yours Faithfully

 

 

 

Door Collections

Marshall Hoares Bailiffs

Telephone: 0843 381 1111

 

 

The content of this email should not be considered as an acceptance of any offer unless we previously review and expressly approve in writing your terms a nd conditions relating to the subject matter of this email.

 

The information in this email is private and confidential. If you are not the intended recipient(s) or have otherwise received this email in error, please delete the email and inform the sender as soon as possible. This email may not be disclosed, used or copied by anyone other than the intended recipient(s). Any opinions, statements or comments contained in this email are not necessarily those of Marshall Hoares Bailiffs Limited. If you wish clarification of any matter, please request confirmation in writing.

 

Marshall Hoares Bailiffs Limited.

Registered Company No.: 6871092

Consumer Credit License: 631168

 

We take precautions to minimise the risk of this email containing a software virus but you should use virus checking software.

 

 

Funny is that that I have NO idea where are they getting these amounts from and also confused which of these amounts is right one and which company is dealing with my debt, I am willing to pay back, but only what I agreed, not the amounts which they just getting from their minds! All refernce numbers and accounts are same on all three letters which I got same day with some time intervals.

[Bazooka Boo]

Again, ignore these criminals, report them ASAP.

 

Deal direct with speedcredit, and enter into their own complaints procedure, clearly stating that you hold them personally responsible for the actions of their chosen third party clowns, they have 8 weeks in which to satisfy your complaint, which they won't, then you can escalate this to the FOS for investigation.

 

Bailiffs my backside, and threatening to charge you for failed visits is hilarious, the OFT will be very interested to read that!