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    • Do you know if that split is age related?  It's the difference between those who those who want to retain as much normality as possible while doing the best we can and the camp which seems to think hunkering down with our eyes closed and fingers in ears will make it all go away.  That latter lot include the sub group which for some unfathomable reason seem to think inflicting as much extra misery as possible on everyone (to no purpose) is the answer.    
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NDR/Marshall Hoare Balliffs repayments


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Hi,

 

This is my first post but I've been reading the posts for a couple of months now.

 

I guess like many of you, I've got myself into a financial mess by living beyond my means and borrowing from payday loan companies. After two years of burying my head in the sand and constantly borrowing month on month and roll over some loans. I eventually got help from payplan and managed to set up a debt management plan.

 

Most of my creditors were reasonable and accepted the plan and all phone call/emails have stopped apart from one... Toothfairy finance. A £400 loan has somehow spiralled to £1846. I've already paid back £236 on it and I reckon I will pay them £600 in total, original loan + 1 months interest plus reasonable amount for default. Also to say I never missed a month paying at least some money to them.

 

Debt now supposedly owned by Marshall Hoare. I'm now aware after reading through the forums that the 3 companies are one and the same. Problem is they refuse to talk to payplan. I'm currently paying £34.20 a month to them (through payplan) and they say they can only accept £40 minimum to freeze charges etc. Technically I could make up the difference but I refuse to as I will then be given them preferential treatment over my other creditors and they have caused me so much stress I won't do it.

 

After weeks after phonecalls from Marshall Hoare where I explained I could only afford £34.20 and they can keep putting charges on because I still won't pay more. I then got a phone call from NDR who said they will accept my £34 a month. I was wary of agreeing to this so I told them to email me the details and I will look over it before I agree to anything.

 

This is what I was sent

 

Dear Pastor 123

 

I am writing to confirm your conversation with our agents / debt collection agencies regarding your Pay Check Credit Loan* and your agreement to pay:

 

12.12.12 - £34.00

12.01.13 - £34.00

12.02.13 - £34.00

12.03.13 - £34.00

12.04.13 - £34.00

12.05.13 - £34.00

12.06.13 - £34.00

12.07.13 - £34.00

12.08.13 - £34.00

12.09.13 - £34.00

12.10.13 - £34.00

12.11.13 - £34.00

12.12.13 - £34.00

12.01.14 - £34.00

12.02.14 - £34.00

12.03.14 - £34.00

12.04.14 - £34.00

12.05.14 - £34.00

12.06.14 - £34.00

12.07.14 - £34.00

12.08.14 - £34.00

12.09.14 - £34.00

12.10.14 - £34.00

12.11.14 - £34.00

12.12.14 - £34.00

12.01.15 - £34.00

12.02.15 - £34.00

12.03.15 - £34.00

12.04.15 - £34.00

12.05.15 - £34.00

Total payment of £1,020.00 to be paid by 12.05.15 to close this loan

 

 

This agreement has been noted on your permanent file.

 

PLEASE NOTE:

 

If YOU fail to HONOUR this agreement, and pay as agreed, our systems will AUTOMATICALLY take the following actions:

 

1. FULL fees and charges will be added to your account.

 

2. Full interest will be added retrospectively.

 

3. An application will be made to the courts for a County Court Judgement to be registered against your name, an application will then be made for a Warrant of Execution to either seize goods and/or obtain an attachment of earnings / benefits. Bailiffs may be instructed.

 

This should be taken seriously. It is ESSENTIAL you honour the agreement you made

 

 

 

 

So basically they want me to pay £1020 on top of the £236 I've already paid, which I'm obviously not going to do. Since this was sent the daily phone calls have stopped. My question is should I not contact them, continue to pay my £34.20 through payplan until the £600 is paid off and then cancel payments? Or contact them and tell them I don't agree to this and will only pay them £600? It is a relief not having to speak to them all the time and have the same conversation, but as I obviously never agreed to THEIR payment plan should I let them know now?

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Don't contact them - they make it impossible to have any form of written proof so you can't have any evidence that you are making an attempt to pay back! My advise is to get any correspondance from them over to the OFT and not worry at all. You have more chances of winning the lottery than these idiots carrying out all the empty threats they will throw at you.

 

You owe them THE ORIGINAL AMOUNT + CONTRACTUAL INTEREST no more, no less! Forget all these bloody fantasy charges they have added on! They think they can bully you. You have to put up a fight and only pay what you owe!

:jaw::mad2::jaw:
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Thanks Thaiboxer. My first thought is along the same lines as you. They've caused me so much stress and I've not been reasonable at all. I'm not disputing that I owe them what I borrowed but I'm not going to pay them them ridiculous amounts of money. At first I was worried about the constant threats of baliffs visits but now I realise that this is just empty threats.

 

I wish I never got involved with them but you live and you learn.

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I'm in the same situation as you dude; the latest is i owe them £2580 for a £300 loan - pah yeh right!!! Im paying £354 - because this is all i owe!

 

You signed a contract, but theres a difference between signing a contract and Law. I've been threatened with bailiffs and solicitors for WELL OVER a year now and nothing has happened - why? Because they know they have NOTHING to back them up! They KNOW they are in the wrong, they KNOW they prey on the vunerable and less educated and they KNOW I'm right and they are wrong and thinking they can use big posh words to try and confuse me and others.

 

Anyway - you need to think about covering you're behind incase (even though it will never happen) they try and get you done. I've told them I am making £1 monthly payments until I have paid them off, and they will only get the full £354 if and when they accept my final offer and they can try and get more out of me but they will have to take me to court, and it has been 3 months now and not a single threat about court, just them saying i owe silly amount still lol...

 

moral of the story - stay strong and if you get stuck or uncertain, there are plenty of people willing to help on here :-)

:jaw::mad2::jaw:
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