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    • Hello, Following the submission of my defense, last night I received an email from DCBL indicating that the claimant intends to proceed with the claim (I've attached a screenshot of the email for reference) along with the N180 directions questionnaire. I'm unsure how they obtained my email, but I suspect it was through the courts' form when I completed the Acknowledgment of Service. This email almost slipped my attention. I have also today received a letter from court to state they have received my defense.  It appears they are requesting an online telephone hearing with the court. Could you please advise me on the necessary steps I should take at this point? Thank you for your assistance. Letter-Email 25-04-24.pdf N180 - Directions questionnaire (Small Claims Track).pdf
    • Default Amount £9237.88, all this started in 2006 Admitted debt £9075.65 Weightmans added £1515.01 immediately they became involved, no explanation The Statement shows when Marlin bought debt in May 2011 £10439.25 Their statements, not received until the SAR, are based on this. Cabot deducted £1515.01on their statements in January 2019, again did not find this out until SAR. Weightmans added in  2007 after the CH1 etc was confirmed by the court £741.50, made up of Process server fees, Court Fee (they tried for bankruptcy), Solicitors fee and Land Registry fee. Unspecfied Legal costs were added by Marlin in March 2015, again I did not know this until statements received with SAR I had been paying monthly, without exception until December 2018. I am minded to take the property charge, CH1 amount ,deduct all my payments and the subsequent fees, and request/demand a refund on the final payment made? I consistently disputed Weightmans balances, but they never responded. I also told Mortimer Clarke/Cabot that I disputed their amounts.  
    • Just follow this link and have read of some threads so your familiar with the process https://www.consumeractiongroup.co.uk/topic/347310-legal-n180-directions-questionnaire-small-claims-track/#comment-5178739
    • Sorry,  I'm not familiar with terminology.  Direction questionnaire is what I've seen online as next step. Witness statement: I haven't gone that far, that's why I put the question marks.
    • 2. Is correct disregard 1. You must attend ad per the order 
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi Smith5112

 

I too am in the same boat as yourself. I am due to pay back a SpeedCredit loan soon. I have tried payment on SpeedCredit, Toothfairy, NDR and Marshall Hoares websites and each of them says the loan does not exist.

This must be a widespread issue.

 

The cynical side of me says that NDR will add on lots of bogus charges to peoples accounts eventhough people had no Website or Bank Account to Repay to. In fact I would'nt be surprised if this was all done intentionally for NDR to make money out of people.

I myself have no intention of paying NDR anything until they provide me with proof that that they now legally own the debt and also proof that the loan was payed to me in the 1st place.

 

I don't expect that they will be able to provide this to be honest.

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It could well be that there is something wrong with the information on their websites. That having been warned by the OFT they are making changes to comply with the regulations.

 

It is suggested that you put the money aside - JIC they start chasing for it.

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And take a screenshot (or print off) the message on their website saying your loan doesn't exist, then write the date on it.

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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The number is from chichester and is a DCA's number. Just ignore it and treat it as telesales.

 

When you say they called while you were at work? do you mean your home number or your work number?

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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We can only guess smith. Remember, they are a very very poor excuse for a company and will keep harassing. As i mentioned before, they may have been shut down, but the owner simply threw everything to another of his sub companies to try and evade the OFT. Thats why toothfairy was moved.

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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Nobody knows, but as already advised, just keep the money in your account so you can pay it when the correct company comes along and asks.

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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The correct company will have full details, AND the relevant paperwork to enforce the debt. However, it will probably be just MCO opening up under another name that comes calling.

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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As already advised, just keep the money safe in your account so you can repay it when they come calling.

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 Smith5112

 

I too am in the same boat as yourself. I am due to pay back a SpeedCredit loan soon. I have tried payment on SpeedCredit, Toothfairy, NDR and Marshall Hoares websites and each of them says the loan does not exist.

This must be a widespread issue.

 

 

The cynical side of me says that NDR will add on lots of bogus charges to peoples accounts eventhough people had no Website or Bank Account to Repay to. In fact I would'nt be surprised if this was all done intentionally for NDR to make money out of people.

I myself have no intention of paying NDR anything until they provide me with proof that that they now legally own the debt and also proof that the loan was payed to me in the 1st place.

 

I don't expect that they will be able to provide this to be honest.

 

Hello! I just thought you would like to know that tooth fairy now recognise my loan when I click pay now, I didn't contact them or anything just thought I'd give it one last try and it worked! Hope everything works out for you too!

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Hi smith. You said you had a speedcredit loan, but it shows on toothfairys site? Please don't pay it. Instead get a full complaint into the OFT, as they are meant to be separate companies. If what i have said in this post is right, then they are blatantly breaking the terms of their licence and MUST be reported.

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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I found the following article on the Guardian website

www.guardian.co.uk/money/2013/mar/19/payday-lender-shut-identity-fraud"]http://www.guardian.co.uk/money/2013/mar/19/payday-lender-shut-identity-fraud

 

It states that The removal of MCO's licence means it is no longer allowed to recover outstanding debts itself, but callers to its helpline are told that it has passed on its outstanding loans to a company called Webloans Processing Limited, which is using Northern Debt Recovery to collect payments from borrowers.

 

I would'nt pay the loan off on Toothfairys website cause theres no explicit proof that they own the debt and they could shift it on to their debt collectors NDR later and allow them to hassle people to pay off even more. I personally won't be paying the debt until someone comes forward with proof that they now own the debt.

 

The interesting thing here is that MCO are no longer allowed to collect outstanding debt. Therefore if the debt is showing up on Toothfairys website then MCO will have to prove that they have transferred the debt to Toothfairy or vice versa. If they can't prove this then this proves what we all know already, that Toothfairy and MCO are all the one company.

 

Also when you logon to Toothfairys "Pay now" option on their website, there is two logos on the website. One says Toothfairy and the other says SpeedCredit.

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So we have confirmation. They are both the same company. The oft really needs to know this.

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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So we have confirmation. They are both the same company. The oft really needs to know this.

 

Hello! I didn't read your message until after I paid off the loan with tooth fairy, but after paying it I received an email from NDR saying thankyou for completely paying off the loan so I'm pretty sure it's all sorted!

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Well I have just checked on the Toothfairy websites "pay now" link for the loan I presently have with SpeedCredit and Toothfairy have already added an extra £106 to it :-)

 

This is despite me not being told anything about the debt being transferred to them or SpeedCredit being closed.

 

Just a quick question, whats the best way to report these kind of matters to the OFT, is it a case of just following the website links on their website? Perhaps it might be a good idea to put a sticky on here with

instructions for people. I also have a few more complaints relating to other companies that I might include also.

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TF cannot add anything on to it. As i said, they are the same company operating under a different name, and still seem to be continuing their unlawful practices of adding bogus charges to the balance. I wouldnt expect anything else from Mr Larholt though.

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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