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    • The economic research group as the main parties have “ducked” addressing public finance challenges.View the full article
    • Thanks. In that case when it comes to preparing my court bundle I will remover the Bradbury v UPS case. And I agree, @occysrazor 's case is the strongest asset I have in defence. Hopefully the necessary literature will be available by the time of my court date.  
    • Some of this seems to hinge on him not being properly instructed by POL or their legal reps. He was said to be an independent expert but doesn't seem to have known that he should reveal all evidence he was aware of and not just the bits that suited Fujitsu/him. I know he asked for immunity from prosecution, is it still the case that Wyn Williams doesn't want to do this? The last I saw there was still a perjury ivestigation.
    • So I like a bit of fun with the horses and have a few profitable tipsters, when i make a profit i re-invest and try more, nice little way to work on the side. This site looked promising however after joining a Telegram group I was not at all happy with the service as it was completely dead.. a week went past... I thought it was brokedn (expecting 14 tips by now)... 2 weeks went passed.. a tip came in about something happening in a few weeks... the month was nearly up (£49 couldnt be recouped by these bets) I complained via email asking for a refund as it was not as advertised, website says 1-2 tips a day, i expected that.  There's no way i could recoup £49 a month on 1 or two tips.  I didnt get a reply. I tried again,  no reply. Ive then had to up the email wording to request Im now really not happy. I get a reply and it appears they agree a refund (this doesn't get processed) Fed up i send a notice before action letter. I then get various emails of a very unprofessional manner and one towards the end that sounds a bit like a threat. I would encourage others to be very cautious about this website and if that was a threat (I know where you live, i have your postcode)  It becomes a police matter.  Im sure, it is just a recording of my personal data so I cannot be allowed in the telegram group again. Either way, is there anything ive missed? Emails below in order.   On 22/05/2024 11:31,  wrote: Hi I havent had a response to my last two emails, and Im not getting what's displayed on the site (1-2 bets a day) Please can you process a refund as its not what I was expecting   Thanks   --------- From: info@premiumracingtips.com <info@premiumracingtips.com> Sent: 22 May 2024 12:17 To:  Subject: Re: REFUND   Hi X, Are you still in the private telegram group? Regards, Ash -- On 22/05/2024 12:21, I wrote: Hi Its all still logged in yes as per the day it was set up   thanks ---- From: info@premiumracingtips.com <info@premiumracingtips.com> Sent: 22 May 2024 12:25 To:  Subject: Re: REFUND   Hi X That is fine. When did you send the previous emails? This is Marc speaking here I run the service. So on the 1-2 bets per day, some days there are no selections because there is no value or information. It is impossible to make profit long term betting every single day. Did you get on Macduff 33/1 for the Derby? Regards, Marc ----- From: X Sent: 22 May 2024 12:41 To: info@premiumracingtips.com <info@premiumracingtips.com> Subject: Re: REFUND   Hi Marc, I sent a mail on the 16th initially then Monday this week to follow up.   Yes, Got a Derby tip through but nothing else in a week   Ive based this on needing £50 profit required to break even, so expecting 1-2 bets a day (sorry) , £2 average bet profit needed to make a small profit after the subscription fee, as a test then move up as confidence grows   I probably need a larger starting bank to benefit from this properly.   Thanks X ======================================== Then, no further correspondence received until almost a month later: ====================================== 17/06/2024 Good afternoon,   Further to my correspondence below I am notifying you of court proceedings.   If I do not receive a satisfactory response from you within 14 days of the date of this letter, I intend to issue proceedings against you in the county court without further notice. Court fees will be added to the final invoice adding £215 minimum to the refunded amount and this will affect your ability to get credit.   I refer you to the Practice Direction on pre-action conduct under the Civil Procedure Rules, and in particular to paragraph 13-16 which sets out the sanctions the court may impose if you fail to comply with the Practice Direction. I look forward to your acknowledgement. Yours faithfully, X   ============== NOW i get a response! =============   Tuesday 18th/06 Evening X Firstly, I know the law (family member is a QC) so this legal jargon does not work with me. Secondly, you were already processed a pro rata refund on the 5th of June 2024. Sometimes this does not appear on the bank statement. The bank can find this with the Acquirer Reference Numbers (ARN) - 88888888888888888 Once the bank have confirmed this I would personally like an apology for the time you have wasted and the serious accusation. Regards, Marc =================================================== I was going to drop it at this point, throw it in my spam folder as a mistake in my judgement, lessons learned to do due diligence on such a company next time, however this then got my back up when a pestering follow up arrived: ==================================================   From: info@premiumracingtips.com <info@premiumracingtips.com> Sent: 20 June 2024 18:35 To:X Subject: Re: Notice Before action - Court proceedings   Hi X Still waiting on a response and an apology? Regards, Marc --------------------------- On 21/06/2024 09:11, X wrote:  I dont think you read the email correctly, so I will presume you misunderstood.   The only thing Im sorry about is using your service.    To recap:   You didn't respond to emails, of which I had to send multiple to get an ounce of attention You did not confirm any refund or ask to agree on pro-rata reduced refund You do not send out 1-2 tips a day as per your website (trade description act breach) And you seem to forget who is the customer here, you have been dismissive and non responsive and now asking for an apology??   My 14 day notice still stands, I am currently not satisfied with the response and a full refund is still outstanding.   This can be processed easily and without further waste of time. Please process this or send on your final response on this matter (letter of deadlock) so next steps can be taken.     ------------------------------------------------- Sun 23/06/2024 21:18 High importance You replied on Mon 24/06/2024 09:06 Evening X Thanks for another email. Payment has been refunded Acquirer Reference Number (ARN) 8888888888888888888 (altered for security) I am sending this again as you did not acknowledge you have received the refund. This was processed on the 5th of June 2024. Sometimes I have bad actors that join my service and try and defraud my business with similar tactics to what you are attempting. It's pretty embarrassing that you are attempting to defraud a business after you have already been refunded. Tells me a lot about your character. I advise you use this link - https://www.gamstop.co.uk/ Also, for future reference this is your postcode - xxx xxY ???  (altered for security) Regards, Ash -------------------------------------------- My final mail: --------------------------------   I do not agree with any of your statements, in order for fraud to occur something must be untrue. You have other unhappy customers, that's interesting to know.   I acknowledge a partial refund has been received for  £24.99  - so  £25 is still outstanding.  I do not agree to a pro rata refund for something I haven't received.   Thanks for the link, but it doesn't apply to me (unless that was an insult, if so, you're 'business' condones insults to customers?)     Thank you for acknowledging you also have my personal data on file. Under GDPR, I do not consent to you storing any of my personal data and this now must be deleted as well as anywhere it may have been shared.   Thank you  
    • He will be grilled thoroughly, however those above him as culpable.
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Had 1 of those messages about being taken to court etc from each so called firm. Phoned both up and guess what our postcode didn't come up on the system. And for some reason NDR can't take it off their system. what can I do ??????????????????????

It seems someone has put my home number on a form, but put a different address and email. We have reported it to a fraud team, is there anything else we can do?????????????

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Report to the oft. Toothfairy dont take people to court. At least not lately. Larholt seems to have learned his lesson.

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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  • 3 weeks later...

UPDATE: I have spoken to them and to be fair the guy I spoke to was great, he said its no problem he can see I have always made payments and bothered to contact them and as long as I pay my £50 fee today my account will be closed. I will leave my post up so others struggling with NDR can read it if it can help them in some way.

 

 

 

 

 

I have had enough of this company. I am in urgent need of help any help or advice will be appreciated a ridiculous amount!

 

So around about 10 months ago ish I guess I take out a stupid payday loan with community pay day for £300 (I KNOW I AM AN IDIOT) I was unemployed just before Christmas and devastated and embarrassed so I took it out with the view of paying it back with christmas money etc etc but as you know I couldnt pay it back straight away so I asked them for some time just a week or so, they said no and it was quickly sent to the famous NDR

 

So NDR send me an email, a phone call a text threatening blah blah.. I left it for a day or two to just try and work out my options, before I know it BOOM theyre saying I owe them over £1000! So of course shi**ing myself I get in contact with them and they say no way they can reverse the fees now etc so like a mug I accepted this and began paying an agreed £50 a month. I got a new job shortly after and this £50 was easy to manage, I then in June lost my job (Well 6 months elf contracting work) so paying NDR was a struggle but I just about managed to pay them. So anyway in September I missed a payment due to my financial situation so I contacted them the next day to sort it out and they said you owe us £272 if you can pay us £200 by the end of the month we will clear the account, I said well it is my birthday on the 25th so how about you take the £200 on the 27th, they agreed, I was chuffed to be able to get rid of this horrible loan and no longer deal with this vile company who had conned me.

 

27th Comes round and I only had enough to pay £150 so I rang them and said look can you please take the £150 today and the further £50 on the 01/10/13 they agreed and that was that. So the 01/10/13 comes round I make sure I have my last £50 in my account for them! low and behold they didn't take the payment! so I left it... what happens 02/10/13 a paypal payment comes out my account that I wasn't expecting, no contact from NDR what so ever to say they hadn't received there payment and I know I couldnt get any more money till 03/10/13 (today) so I thought well I will just contact them then if they havent contacted me.

 

So im just going to bed tonight at around 3 am and I get a text and 2 awful emails from them:

 

SMS: WARNING: We have not received the payment you agreed to as part of a payment plan. If this is not settled TODAY, FULL charges and interest will become due.

 

 

 

The emails are as follows:

 

Loan Ref: 17266561 / PCPF / manual failure

03/10/2013

 

Dear Mr SUMMERS,

 

You agreed to a payment plan to settle your Community Pay Day*** to avoid further charges interest and debt recovery action against you.

 

You agreed to pay GBP 50 by 01.10.2013.

 

The following payment of GBP 50 in relation to your loan with Community Pay Day*** - Ref 17266561 has not been received as at 03/10/2013

 

Your outstanding balance is GBP 1837.54.

 

As you have failed to honour this agreement, the FULL amount is now due and payable and we reserve the right to take debt recovery or legal action against you.

 

We may send Door Recovery Agents to visit your property and discuss your debt with you. If payment continues to be non-forthcoming, then the file will be passed to our solicitors for review. This may lead to a County Court claim (or Sheriff Court claim if you are in Scotland) against you. If we successfully obtain a County Court Judgment (or Scottish Decree) we may then make further applications to the court for a Warrant of Execution or an Attachment of Earnings Order (or their Scottish equivalent).

 

It is essential that you honour commitments you make.

 

As a last chance, you should pay GBP 50 by:

 

1. Going online at communitypayday DOT COM and click Account to Pay Now;

 

OR

 

2. Making payment to:

 

Barclays Bank

Account Number: 93462382

Sort code: 20-50-94

Reference: Use your mobile number (447584245809) as a reference so we can match it correctly

 

Please ensure that these funds reach us by the end of business. If this is done there is no need to contact us today and your repayment plan can continue.

 

Please Note: We reserve the right, per our Terms & Conditions, to continue 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.

 

Yours sincerely,

 

 

COLLECTIONS

NORTHERN DEBT RECOVERY

 

 

 

 

EMAIL 2 (which followed shortly after)

 

Dear Mr SUMMERS

 

Re loan ref: 447584245809 / 17266561 / 104 (PP-F)

 

Notice: All correspondence relating to your Community Pay Day*** ref: 17266561 taken out on 24.11.12 00:07 should be referred through Northern Debt Recovery.

 

You have failed to honour the payment plan to which you agreed. As a result, your file may be fast tracked to both our solicitors and/or our door recovery team.

 

You should contact Northern Debt Recovery within 24 hours days on 0843 381 0843 or we will be left no option but to send our door recovery agents to your home in order to discuss your debt with you and obtain repayment.

 

We reserve the right to pass your file to our solicitors who may apply for a County Court Judgement (“CCJ”) or a Scottish Decree. If this is successful, our legal team may also apply for a Warrant of Execution or Scottish equivalent. This could result in a court appointing bailiffs, who would be able to seize goods in repayment of your debt.

 

Legal and Recovery fees have been added to your file as per the terms and conditions of the contract you signed. Below is a breakdown of what you owe

 

Loan and Interest £1920

25.11.12 36

23.12.12 36

06.01.13 36

06.01.13 36

06.01.13 36

20.01.13 36

03.02.13 36

17.02.13 36

06.01.13 36

20.01.13 36

23.12.12 36

06.01.13 36

25.11.12 36

03.02.13 36

17.02.13 36

 

Repayments todate £622.46

Total £1837.54 03/10/2013

 

These fees may be reduced if contact is made immediately.

 

WE STRONGLY RECOMMEND YOU CALL US IMMEDIATELY ON 0843 381 0843. We can, in certain circumstances, put you on a more affordable payment plan but this requires your cooperation.

 

WARNING: Interest will continue to accrue until a repayment arrangement is come to. It is in your interests to get in touch with us TODAY.

 

If your debt has been settled, or you are in a repayment arrangement and you have received this in error, please contact us ASAP.

 

Yours sincerely,

 

 

DEBT MANAGER - Greg Campbell

NORTHERN DEBT RECOVERY

 

 

 

 

Now surely this is some sort of joke right? they want £1837 because I didnt make the payment on the 1st, so 48 hours late? I have been paying them ***** all year and I was only meant to pay £50 in September but I agreed to pay them £150 then £50 straight after! I am not trying to pull a fast one I have been more than willing to pay them and they're UNFAIR fees already, and now because I am about to close the account they try and add 2 grand... just WOW is all I can say, and what the hell do I do now? PLEASE PLEASE somebody help I literally beg. THANKS SO MUCH for any replies and I hope you are all well.

Edited by levilfc89
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First thing is don't panic, at present NDR are emailing which is the same company, their next stage will be marshall hoares bailiff's ( they are not bailiffs ) again its the same company. you must writing to OFT , FSA relating to this issue they are already lookinginto this payday lender. Keep reading posts on this site and you will see the connections cheers

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Hi thanks for the reply. Sorry to sound rude pal incase I have misunderstood but did you read the whole post (well the begging at least) and the end because I have been paying them off all year and got it down to the last £50 which i am 24 hours late paying (which I can pay today) and they have added £1800 in fees in just 24/48 hours.

 

Again sorry if Ive misunderstood or sound rude I dont want to come across that way at all, thanks again.

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Under no circumstances give them your debit card details or bank account number. You will be VERY sorry if you 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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Pay the last £50 as you had agreed to by Bank Transfer.

 

Then make sure they can't help themselves to any money.

 

Then send them one letter by recorded delivery that you consider the debt settled in full, that they are to immediately cease any all debt collection attempts and harassment.

 

After that just ignore them, but collect all communication you receive from them and forward it to the OFT.

 

Also don't worry about their threats,it is nothing but a standard threatogram they send to everyone, all bark no bite.

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Standing order. NOT bank transfer.

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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Back to my stuff. Had a call from 01224 931013, I called back now and somehow took a loan from Paycheck Credit I think (woman was foreign and couldn't understand her). Somehow my details where used inc DOB. I pointed out I've never heard of them and so my file has been sent to their Fraud Office. Whilst I will be calling the proper authorities. I heard today Payday loan companies must do an affordability check, well they better do an anti fraud check as well.

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You are dealing with a very shady company. Do a bit of googling on toothfairy/MHB/NDR and youll see what i mean.

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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NEVER talk to them on the phone. THey are trained to do anything to get you to give payment details.

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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  • 3 weeks later...

They phoned AGAIN. So phoned back and apparently there SO CALLED FRAUD OFFICE did **** ALL sorry for swearing but I'm an bad mood. now I'm being fobbed off to another dept with the hope of being removed I hold my breath. My question is can I take any action against this company, if I get another phone call????????????

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STOP PHONING THEM UP.

 

They are the epitome of legal loan sharks. They dont care about you or your situation. ALl they care about is getting as much money from you as they can and in any way possible.

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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YOUR MISSING THE POINT. THEY AREN'T GETTING ANY MONEY FROM ME AS IT TURNS OUT SOMEONE PUT IN A FRAUDULENT CLAIM IN AND GOT DECLINED( I have evidence to prove it wasn't me). So when I phone back and go through the process guess what, I'm not on the system and shouldn't be as it was declined. So how are they getting money out of me please explain, when they say your not on the system and we will put your file to another department to clear this AND HAVE NOT ASKED FOR ANY OF MY BANK DETAILS ????

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It doesnt matter. You keep calling, they keep you marked as gullible and continue what they are doing. If you ignore them or show you know your rights, they ease off, and pass it on to their silly DCA. Then eventually they just dont contact you anymore.

 

I also didnt direct my comment specifically towards you paying. I was mentioning their base business practice in general. I know this outfit VERY well, and have helped dozens of people show Mr larholt exactly what the rules say.

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 had a very good chat with them the last time and got all the info I need to prove it wasn't me.

 

So who do I report them too, if I get another call?????????

 

The message on my answer phone iis from their so called DCA

Edited by Scorpiondragon
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Did you send them the telephone harassment letter?

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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  • 2 weeks later...

Hi There ,

Not sure if I am posting his in the right place but here goes. My daughter got herself into a bit of a finacial muddle and instead of coming to us decided to taje out a Loan with Toothfairy. She was unable to repay at the given date and then was sent a letter which arrived on 18.10 13 saying she needed to pay £159.50

which needed to be paid by the 16.10.13 . We logged to her account on the 18.10.13 and the amount had increased to £!68.40 which I paid for her by bank transfer that afternoon.

Thinking this was the endof it was astounded to receve a letter dated the 24.10.13 demanding a further £230 .90 from NDR stating the followng

Loan and interest £179.30

Legal Fees £150

Recovery Fees £200

Repayments to date £168.40

Total £230.90

 

Have ignored this so far but am concerned that without contacting them the charges will keep racking up and there may be some legal commitment from my daughter to pay them

Can anyone out there advise .

Worried mum

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Please do not worry the fees are wrong, toothfairy, NDR and marshalls hoares are all the same company. Therefore totally out if order. The legal fee ! & NDR fee also illegal charges.

 

Do not pay any more charges, they will say they are passing to home visit team. Joke they never visit, you must report the to oft & fos. Make sure you cancal cards and call the bank ti cancal CPA as well.

 

Read more threads and you will see toothfairy are just a bunch of clowns.

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Thanks for this. I will get my daughter to cancel the account her original loan went into and will report to oft and fos also. I have been going through the posts and it is horrific how they treat people . I have never been in this position myself and wish my daughter had spoken to me rather than going to these people. Should I write to NDR and explain we have no intention of paying or just ignore them. I have no desire for her to have a lasting mark on her credit rating for something that is not actually a debt.

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