What idiots

[Kay983]

YOU WILL NOT SPEAK TO US. CALL 0843 381 0843 TODAY TO AVOID FURTHER COSTS / DOOR RECOVERY AGENTS / POTENTIAL COURT ACTION

 

Had this text from tff, thing is refused to contact them I tried sending them e-mails no reply, had no e-mails, only 1 letter, no phone calls only 3 text messages. Any ideas what I should do, I am starting a dmp I know there going to be funny about it but if they do not contact me properly what they expect me to do.

[MSAR]

http://www.northerndebtrecovery.com/about.html

 

[email protected]

 

From a DNS whois search

 

Domain name: NORTHERNDEBTRECOVERY.COM

 

 

Administrative Contact:

Marcon, Federico [email protected]

Aston House

Douglas, Isle of Mann IM1 4LS

GB

+44.7500112114 Fax: +44.7500112114

 

Domain name: COSTAINSERVICES.COM

 

Administrative Contact:

Biswas, Sub [email protected]

Aston House

Douglas, Isle of Mann IM1 4LS

GB

+44.7500112114 Fax: +44.7500112114

 

http://opencorporates.com/companies/im/121654C

 

Jurisdiction

Isle of Man

Registered Address

19 PEEL ROAD

DOUGLAS

IM1 4LS

Isle of Man

Previous Names

COSMIC PROPERTIES LIMITED

 

That really takes the **** - someone from Italy living offshore, sending threatening messages to British nationals, demanding that they send them money

 

I'd just love to find their home telephone number, call them up at 6pm on a Sunday evening, call their bluff and tell them that I have hired a lawyer and they will have to communicate to the lawyer by post

Edited January 12, 2013 by ims21

[renegadeimp]

Ignore TFF. We know a fair bit of their inner workings and their management. However we cant go into it here for various reasons.

 

Suffice to say, ignore the text, and keep sending those emails and letters. Remember, no matter what they say or do, it is your legal right to have everything in written format, should you need it for a court case. If they refuse to cooperate or contact you, then dont pay them. Pay your other creditors but keep the money for TFF to one side. That way, if they eventually do act like a responsible lender, you have the money ready to pay them as a bulk payment.

 

One of TFF's tactics is to ignore any communication, so they think they have the right to add on bogus charges, when in reality it is their fault the debt isnt being paid.

[Kay983]

Ignore TFF. We know a fair bit of their inner workings and their management. However we cant go into it here for various reasons.

 

Suffice to say, ignore the text, and keep sending those emails and letters. Remember, no matter what they say or do, it is your legal right to have everything in written format, should you need it for a court case. If they refuse to cooperate or contact you, then dont pay them. Pay your other creditors but keep the money for TFF to one side. That way, if they eventually do act like a responsible lender, you have the money ready to pay them as a bulk payment.

 

One of TFF's tactics is to ignore any communication, so they think they have the right to add on bogus charges, when in reality it is their fault the debt isnt being paid.

 

I like your point its written evidence from them I am not getting 3 text messages, one letter no phone calls and no e-mails

[renegadeimp]

I like your point its written evidence from them I am not getting 3 text messages, one letter no phone calls and no e-mails

 

As i said, this "business" is very well known for doing that. Have a read of the toothfairy/speedcredit forum and youll see what i mean.

[Kay983]

Read through it plenty of times, I must admit I was stupid going for the pay day loans should have just learnt to budget, hopefully this dmp get me back on course save some up and get help paying tff off in one lump sum and others will follow after

[renegadeimp]

Make sure you are not using a Fee paying DMP. Its wasted money with them.

[Nao]

Not even a dmp can negotiate with TFF, just pay whatever you actually owe when you can in instalments that don't hurt you too much and just ignore their shouting, they are all bark and no bite, can't say much, but from the research I've done and forwarded to the relevant authorities but there are good reasons why they don't take people to Court.

[MSAR]

Plenty of newspapers out there with articles on this lot. I'm just amazed how they have been able to get away with so much over the past years.

Edited January 13, 2013 by MSAR

[renegadeimp]

We already know a fair bit about the manager behind these companies. However, its not worth putting things on here, as we know he reads this site and it could bring action against CAG.

[NikNox]

My son ran into difficulties with these people. Last week I paid off his original loan of £400 plus a month's interest of £144 directly into their bank account (I refused to use the payment page on the Northern Debt Recovery website because it's not secure). At that point, his loan had gone up to £1400 but following much research on this company (they are all one and the same - ToothFairy, NDR and Marshall Hoare) decided only the original loan and month's interest would be repaid. Since I made the payment, my son has been receiving several daily texts from them, which he's ignoring. He got a call yesterday from someone at NDR and he told them he would not be paying the rest and said 'if you want it, take me to Court for it and then you can explain your ridiculous charges to a Judge'. The man said 'well, I must inform you right away that your debt is now £2380, which we require immediate payment of otherwise we will ask for an attachment of earnings from your employer and will obtain a CCJ from the Courts'. My son said to him 'bring it on mate, you do what you think you need to. Have a nice day'.

 

I know that he's feeling quite scared, but I've reassured him that as yet I don't think they have actually taken anyone to Court, that the OFT are involved and that they cannot contact his employers without his permission or a Court Order. These people are sharks, lower than low and I think for everyone out there dealing with these cretins the message is not to be scared as they are acting outside the boundaries of the law. My best advice would be to try and pay back the original loan amount, plus a month's interest based on their calculations (£9pw for every £100 owed) and just ignore them. It's nigh on impossible to contact them (funny that!), and it seems they only allow phone contact but that's hit and miss. Deep breaths!!

[renegadeimp]

Your son did the right thing. The person behind this company runs it purely on threats. Once he knows he is scaring peeople he goes full throttle. If you stick up for yourself, he backs right off.

 

Also, IF you or your son talks to them on the phone, please record the call, as if he says what you stated, it is a direct violation of their credit licence terms in multiple ways.

 

Please also get a full complaint into the OFT with as much info as possible. Also remind them that Toothfairy and speedcredit are now operating under NDR despite the two former companies losing their licence to operate.

[NikNox]

Your son did the right thing. The person behind this company runs it purely on threats. Once he knows he is scaring peeople he goes full throttle. If you stick up for yourself, he backs right off.

 

Also, IF you or your son talks to them on the phone, please record the call, as if he says what you stated, it is a direct violation of their credit licence terms in multiple ways.

 

Please also get a full complaint into the OFT with as much info as possible. Also remind them that Toothfairy and speedcredit are now operating under NDR despite the two former companies losing their licence to operate.

 

They did ask him at one point for my telephone number, but he refused to give it to them, and I didn't pay them from my bank account (I bank with Lloyds and they bank with Barclays, so I went into our Barclays branch and paid into their account with cash) as I read somewhere on another forum that someone had paid the debt for their friend using their card and then found money was disappearing from their account!!!!!! Wrong wrong wrong, and yes, that was reported to the OFT. My son has contacted the OFT to make a complaint and has told them that he has repaid the original loan plus a month's interest. Okay, Payday loans can get you into trouble quite quickly if they're not repaid within a specified time, but these people are nothing but predators and use bully boy tactics to cause distress to people who are already vulnerable. It's about time they were shut down!

[renegadeimp]

100% agree with you niknox. It's why we ask for all info here and for posters to make full complaints. Admins here also take some info and collate it into a report for the OFT. Even a prominent MP Stella Creasy is now involved. Although she wont help in individual cases, if its serious enough, she will inform journalists for national newspapers.

[NikNox]

100% agree with you niknox. It's why we ask for all info here and for posters to make full complaints. Admins here also take some info and collate it into a report for the OFT. Even a prominent MP Stella Creasy is now involved. Although she wont help in individual cases, if its serious enough, she will inform journalists for national newspapers.

 

I will also make a full complaint to the OFT via email, and hopefully something will be done to stop these people/person from scaring the hell out of innocent people. How they sleep at night, I don't know.

[NikNox]

My son has received an email from Marshall Hoares this morning:-

 

Mr

[address1]

BY EMAIL

Online payment ID: 9896132

Outstanding amount: 2832

Call Request

Client: Speed Credit – Speed Credit Loan***

Client Ref:

Our Ref: 9896132

Date: [date]

Dear Mr

I am afraid we are unable to deal with your query by email / mail

Please call one of our operators on 08433811111 who will be happy to discuss the circumstances around this with you.

Yours faithfully

Ray Sanders

Door Collections

Marshall Hoares Bailiffs

Telephone: 0843 381 1111

 

I have told him to ignore it and not phone them, but is it actually legal to insist someone contacts them by phone and not via email/mail? Besides, the telephone number they've posted is the same one on the NDR emails, and when he did try it last week it just goes straight onto hold music and no-one answers!!!!

[renegadeimp]

Its just a standard junk letter they send out.

 

Ignore it until something of substance comes along.

[NikNox]

Its just a standard junk letter they send out.

 

Ignore it until something of substance comes along.

 

I have told him to ignore it, and he is, and I've also told him that if they phone him he must refuse to communicate with them over the phone and to insist all communication is in writing/email as he has been advised by the CAB and OFT to keep a paper trail. But, you simply cannot contact them!! On their website they have a page where you can, supposedly, submit a question, but when you do it comes up with SQL syntax error, funnily enough the same error on the NDR website when trying to contact them too! So, you can't email them, write to them, submit questions via their website and when you phone them they don't answer!!!!!!

[renegadeimp]

See, thats their trick. They refuse any point of contact and even give out false information, purely you get you to call them so they can threaten you into paying. This alone is a breach of OFT guidance and must be reported.

[Kay983]

My son ran into difficulties with these people. Last week I paid off his original loan of £400 plus a month's interest of £144 directly into their bank account (I refused to use the payment page on the Northern Debt Recovery website because it's not secure). At that point, his loan had gone up to £1400 but following much research on this company (they are all one and the same - ToothFairy, NDR and Marshall Hoare) decided only the original loan and month's interest would be repaid. Since I made the payment, my son has been receiving several daily texts from them, which he's ignoring. He got a call yesterday from someone at NDR and he told them he would not be paying the rest and said 'if you want it, take me to Court for it and then you can explain your ridiculous charges to a Judge'. The man said 'well, I must inform you right away that your debt is now £2380, which we require immediate payment of otherwise we will ask for an attachment of earnings from your employer and will obtain a CCJ from the Courts'. My son said to him 'bring it on mate, you do what you think you need to. Have a nice day'.

 

I know that he's feeling quite scared, but I've reassured him that as yet I don't think they have actually taken anyone to Court, that the OFT are involved and that they cannot contact his employers without his permission or a Court Order. These people are sharks, lower than low and I think for everyone out there dealing with these cretins the message is not to be scared as they are acting outside the boundaries of the law. My best advice would be to try and pay back the original loan amount, plus a month's interest based on their calculations (£9pw for every £100 owed) and just ignore them. It's nigh on impossible to contact them (funny that!), and it seems they only allow phone contact but that's hit and miss. Deep breaths!!

 

Did you pay them back in one go or just part payment because I am not sure what is best to do one lump sum or small part payments

[renegadeimp]

I wouldnt pay them ANYTHING until they get their act together and give you their bank details. Once you have them, set up a Standing Order. If they dont agree, they dont get paid, as they have been proven beyond any doubt that they will steal from the account if they have access.