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    • to note: the claimant has given a 'reference' number. It is 11 digits long. Regarding 2 - do I even say I have had dealing with Barclays Bank UK PLC ?   Also the 'particulars of claim' are not in paragraphs on the claim form. It is just one chunk of text. With sentences. Do I refer to these as paragraphs ?
    • 1.The Defendant contends that the particulars of claim are vague and generic in nature. The claimant even fails to refer to an agreement number. Therefore the defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   2. Paragraph 2 is noted. Whilst I have had dealings with Barclays Bank UK PLC given that claimant fails to refer to an account number I am unaware what agreement the claimant wishes to rely upon.   3.Paragraph 3 is noted although without knowledge of which account the claimant refers to I can neither admit or deny the receipt of a Default Notice pursuant to sec 87(1) CCA1974 being received.   4. Paragraph 4 is noted but again as above I am not aware of what agreement the assignment refers to.   5. On receipt of this claim I requested information pertaining to this claim from PRA group (UK) Limited by way of a CPR 31:14 request sent via 1st class recorded post on 06/06/2024 and further to the above I sent PRA group UK Portfolios Ltd a section 78 request via 1st class recorded post on 06/06/2024.   To date, PRA Group Uk Portfolios Ltd or PRA group (UK) Limited are yet to furnish me with the requested information  and therefore prevented from enforcing the alleged agreement.   6.Therefore with the court’s permission the Claimant is put to strict proof to evidence and :   a) show and disclose how the Defendant has entered into an agreement; b) show and disclose how the Claimant has reached the amount claimed for; c) show and evidence the nature of breach and service of a Default Notice pursuant to Sec 87 (1) CCA1974. d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   8. As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation that the money is owed.   By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • Not really as long as its relatively new and similar and post Pre Action Protocol changes. 
    • Obviously they have a problem in their system.   .
    • Scan redact and upload copies...they will be required to check as the claim progresses.
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        • Like

My toothfairy wrangle


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Been stuck in a little bit of a toothfairy wrangle (my god I wish I googled them first)... I've actually used the company quite a lot and because I've never had a problem paying back all has been good.

 

Took out a £400 at the end of June but then in the first weeks of July unfortunately circumstances changed where we had £800 of unexpected bills with the car ... We had a couple of PDL's going so I rang them all straight away being honest and actually got some great responses to where I have come to perfectly reasonable deals, apart from Toothfairy.

 

Toothfairy's stance from the outset was to change from the happy you are an amazing customer to pretty nasty straight away and told me that it's ok I had until the 24th August to pay, I told them that this wouldn't be able to happen as it'll take me a couple of months to get fully back on track so the earliest I could pay was the last working day of October.

 

Obviously they ignored me totally and the debt started to rack up, got the usual texts and emails saying it is overdue, so I speak to the national debtline to get some advice and decided to call to try to come to a deal again.

 

Speak to NDR who get toothfairy to send me an email saying that Payment plans can be available. Call fairy and explain to the manager that my circumstances have changed a, and she said to fax over the details and they'll look into it, it cannot be emailed as they do not have an email address... of course when I go to check if they recieved the fax, it hasn't arrived.

 

When finding out it 'hasn't arrived' I call up to complain, get a really angry South African guy shouting down the phone about how I shouldn't have taken out a loan if I couldn't afford it, i had to pay by the 24th August or the bill (which by this point will be £656 - which I can accept) will go up to a massive amount and £350 will be added on if it goes to their collection agency NDR, I inform him that I just recieved a letter from Toothfairy legal team that the debt was supposed to go over on 17.08.13 and that I am not happy, he tells me the balance when it goes over to NDR would be £1002.

 

Ironically during the phone call I check my email and one pops up saying that it will be passed over on 24.08.13, the guy on the phone continues to be rude and I say i'll speak to NDR.

 

NDR can't talk about it because it hasn't been passed over yet but can knock 'hundreds' off the £1002 that has been quoted if its paid quickly. I complain to the financial ombudsman about the general attitude of the company and how I'm disgusted that they say they have procedures for if you have a financial difficulty but don't actually follow them up.

 

On the 20th i get a voicemail from Marshall Hoares Baliffs, when calling them back they apologise for calling me which I tell them they should be apologising because it hasn't even gone to NDR yet! I speak to toothfairy to get a call back from a manager, which never happens.

 

Yesterday is when it all got very very dodgy...

 

I call toothfairy again to complain about a baliff calling me, get the same south african guy who decides to start having a go at me again, i tell him very specifically I will not be speaking about the debt on the phone and need the correct address for the company... So he starts to tell me that it's my own fault i'm in this problem and that I shouldn't be taking out loans if I can't afford them (at the time I could), I get fed up and ask to speak to his manager.

 

He suddenly has the address ready, I take down the address and tell him that I still need to discuss his attitude with his manager because at current I am still a toothfairy customer... No managers are available and all are in a meeting (that could last forever by the sounds of it).

 

I decide to then call NDR again to see if I can come to an early solution... definately calling the correct number and having to listen to the opening NDR intro guess who answers the phone :D

 

The same south african guy who makes the mistake of saying 'Is that Craig, i'm calling you from Toothfairy i am one of the managers' If you are going to try to lie make sure you have a voice that isn't easily distinguishable!

 

Tell him that I'm glad they record phone conversations so i'll be asking for these back and if he tries to delete it I have a record of the numbers i've called including call times.

 

I've looked at the contract and it does say charges of £350 will be applied after 56 days, but now finding out it's exactly the same people (literally!) is there a way to fight this crazy charge.

 

£200 is to NDR and £150 is solicitors fees.

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You need to submit a SAR to obtain copies of the calls.

 

Go to the template library here for letters re harassment, there are also letters on what to so about requests for financial difficulty.

 

You need to submit a complaint to tooth fairy in writing and by recorded delivery.

 

If you want to draft one for us to look over here by all means do.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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Oh and don't speak to them on the phone.

 

Pay Day lenders are awful companies and do not specialise in customer service. Remain collected and form a letter of complaint and submit it to them recorded delivery.

 

They don't actually say where a SAR should be sent but you should send a £10 postal order, I'd send it to their registered address. Recorded so that if they don't comply you can follow up. And make your request clear, what is it you want? When did you speak to them on the phone? Etc

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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You need to keep off the phone.

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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They also dont keep copies or call logs so a sar is pointless for that

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,

As this is a recent complaint about Tooth(less)Fairy and if you can record the call, ring them. The more proof of their appalling attitude to debtors in difficulty can only help towards them losing their licence.

 

Should you ever feel the need to take out another PDL (I hope not) be aware that these companies

Cashkingdom

Cashkingdom.Co.Uk

Cashkingdom.Com

Communitypayday

Communitypayday.Co.Uk

Communitypayday.Com

Creditcheckout

Creditcheckout.Co.Uk

Creditcheckout.Com

Diamonddiscountclub

Diamonddiscountclub.Co.Uk

Diamonddiscountclub.Com

Diamonddiscountfinance

Diamonddiscountfinance.Co.Uk

Diamonddiscountfinance.Com

Easyfinanceclub

Easyfinanceclub.Co.Uk

Easyfinanceclub.Com

Fastloan4you

Fastloan4you.Co.Uk

Fastloan4you.Com

Gearcard

Gearcard.Co.Uk

Gearcard.Com

Gearfinance

Gearfinance.Co.Uk

Gearfinance.Com

Gogetloan

Gogetloan.Co.Uk

Nextcredit

Nextcredit.Co.Uk

Nextcredit.Com

Okcash

Okcash.Co.Uk

Okcash.Com

Takeoutcash

Takeoutcash.Co.Uk

Takeoutcash.Com

Thegearcard

Thegearcard.Co.Uk

Thegearcard.Com

Toothfairy Finance

Toothfairyfinance.Co.Uk

Toothfairyfinance.Com

Wegivecredit

Wegivecredit.Co.Uk

Wegivecredit.Com

 

 

Are all the same company so if you did take a loan and it is with one of the above, TF will raid your account for the old debt

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Larholt also owns 2 other companies with multiple trading names, although none of these have a credit licence. Keep an eye on Webloans incase more trading names/companies get merged.

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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They also dont keep copies or call logs so a sar is pointless for that

 

Even if they state they do before you go through to talk to someone.

 

Ombudsman is sending through a letter asking them to wait for contact until the 8 weeks are up for them to officially reply to my complaint.

 

Cheers for the advice guys, and no, definately no more pay day loans for moi!

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Again. Youa re talking to the absolute worst PDL in the country. You are also talking to them on the phone where they will say and do ANYTHING to get payment details from you. We have seen it and experienced it hundreds, if not thousands of times.

 

The ONLY time you should ever consider calling a PDL, or any creditor for that matter, is if you can record the call in full. Otherwise, use royal mail recorded delivery.

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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Again. Youa re talking to the absolute worst PDL in the country. You are also talking to them on the phone where they will say and do ANYTHING to get payment details from you. We have seen it and experienced it hundreds, if not thousands of times.

 

The ONLY time you should ever consider calling a PDL, or any creditor for that matter, is if you can record the call in full. Otherwise, use royal mail recorded delivery.

 

Thanks for the advice :)

 

If they call me i'm not the type to just back down so I'm not too worried about that, they've already tried the scare tactics and i've read up on what to expect.

 

Recorded delivery it shall be.

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I decided to look into the companies...

 

Web Loans Processing Limited are a dormant company, the active company is web loans processing holdings limited.

 

I've never recieved anything from the active company, silly people not updating their paperwork to show the new company name and registration number.

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The company is ran by Oliver Larholt. Google him and youll soon see why they do what they do.

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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Yeah have had a look, thought he would've learnt by now.

 

Is funny how none of the companies he owns is worth anything, they also haven't done a credit check on me.. it's just like a catalogue of how not to run a business.

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The day has came where NDR have phoned me for the first time...

 

I told them straight away that there was no way i'd confirm any arrangement on the phone. They had an offer planned so I raised my grievance with them.

 

The offer tabled via email was as follows.

 

 

 

Dear ........,

we are offering you a payment plan offer there are two optionds:1)100£ a month starting from next month (September) total outstanding £1000

2) 75£ a month starting from this month (august) total outstanding £1000you need to respond within the next 48 hours for one of these plans to be validated

Yours sincerely,

COLLECTIONS (156)

NORTHERN DEBT RECOVERY

0843 381 0843

NOTICE: The contents of this e-mail are intended for the named addressee only.

It contains information which may be confidential and which may also be privileged. Unless you are the named addressee (or authorised to receive for the addressee) you may not copy or use it, or disclose it to anyone else. If you received it in error please notify sender immediately and then destroy it.

Northern Debt Recovery Limited (NDR) is a company registered in England and Wales whose registered address is Northern Debt Recovery Limited, 15 Lyndhurst Terrace, London, NW3 5QA, United Kingdom. Company registration number 6956396. Northern Debt Recovery Limited (NDR) is licensed by the Office of Fair Trading under Consumer Credit Licence number 631166.

 

I've called back asking for an email address to reply to, they don't have one... just an online form...

 

Tried explaining that I won't have a copy of the form so thats not an option, 'legal team' are looking into it, no mention of the frozen interest on the email too.

 

I do admire them constantly trying to get me to accept on the phone though, it's cute... but a waste of their time. Also trying to get them to send a breakdown of the costs and trying to find out who their solicitors are and why they charge £150 for pre-preparation is fun.

 

Am i going about this the right way?

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Toothfairy will lie every chance they get. Exhaust their laughable complaints procedures and get the regulators involved

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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It looks like everything is sorted out!

 

I'll show copies of emails when it is all sorted so people can refer to them if they need help but the fee's have been taken off for collection/solicitors and interest is being frozen.

 

There is one part of the email i'm confirming with them before I'm confident that all will be dealt with.

 

When i'm debt free i'm definately putting in a donation to this site, the help from you guys has been invaluable.

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Ok, all sorted... £616 to be paid back in 6 months, interest frozen and none of these insane fees.

 

If I put emails recieved on here would it invalidate my agreement? as they both come with 'do not disclose' notices.

 

Obviously as i've sorted it out I don't want to break the terms and wind up with interest being added, but I really want to help others who have had problems.

 

Main advice is, don't back down or get angry at any point... Wait for them to start telling you to pay the debt and then complain to the ombudsman about the behaviour of their staff. Also don't use the form they have on their page, you can't make a copy to show you sent anything.

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Usually these notices state that if you are not the intended recipient then do not disclose. I haven't seen any email that says you cannot disclose anything personal to you.

 

Before you do post, make sure ALL identifying details are omitted (names, account numbers etc.)

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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best way to do it is to email admin and have them check through it. Just incase its an actual personalised response and not a form letter. Larholt is known to check these boards and it wouldnt surprise me if he was devious enough to cancel your plan if he knew it was you.

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 Toothfairy and their trading names is a perfect example of why it should be One Company or Trading Name = one OFT Licence.

 

No wonder the market has been referred to a higher level.

 

Also the Toothfairy/NDR/Marshall Hoares saga needs mentioning again and any complaints added to the pile.

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TF and its sub companies are already under investigation. By the OFT, FCA and by a certain media outlet.

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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best way to do it is to email admin and have them check through it. Just incase its an actual personalised response and not a form letter. Larholt is known to check these boards and it wouldnt surprise me if he was devious enough to cancel your plan if he knew it was you.

 

Got an email address for them?

 

I can just forward what i've got :)

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Hover over the word admin. Its in the popup

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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