Jump to content


mojomyjojo

TOOTHFAIRY/NDR/MARSHALL HOARES. Help needed please!

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2186 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi all, I'm really hoping someone would see this and help me out :(

I'm a 20 year old student and I stupidly took out a £300 loan with TOOTHFAIRY and I signed onto a DMP shortly after, agreeing to take £40 a month. At this point, I apparently had to pay £800.

 

I paid them month by month and to this day I've paid them £310 and I am currently in the process of switching DMP's from Debt Advisory to Stepchange (because they're free) and I received an email from Toothfairy saying that I now needed to repay £1711!!!!!!!!!!!!:!:

 

Bear in mind I have kept up with payments consistently! The £40 has always gone through to them!

 

I've logged a complaint with FOS and OFT but to be honest, they couldn't answer me straight when I asked if I would be dealing with this for the rest of my life if they don't accept any payment plans, they could keep charging interest.

 

PLEASE help me, I start 2nd year of uni next month and this is making me very depressed, the constant emails and calls are very scary and the thought of it never going away frightens me so much!

Share this post


Link to post
Share on other sites

Don't panic they are full of empty threats, only repay the loan plus default fee no more. If you write to this company your letter will be at the empty garage in London. They will pass your file to NDR and charge 200.00 fee, then fee to Marshall Hoares Bailiffs ( not bailiffs ) they are all the same company. Report to OFT FOS now keep all emails letter etc and send to the OFT FOS etc.

 

Keep reading threads on this site which confirms everything about this company.

 

 

They will keep sending threats adding fees, but so far this company have never been to court ( well attended ) just a bunch of crooks .

 

DONT PANIC

Share this post


Link to post
Share on other sites

Don't worry. I took out a loan of £500 with them in 2011. You have got to realise that Toothfairy, NDR, and Marshall Hoares are one of the same. They reckoned that I owed them £3546. I phoned them and threatened them with the financial ombudsman. They then ver quickly settled on a payment of £699, payable over 3 months. Just stand up to these guys. They have no balls at the end of the day and you will NOT get a home visit.

Share this post


Link to post
Share on other sites

hi i am also trying to contact toothfairy does anyone have a valid email i can use for them.

Share this post


Link to post
Share on other sites

Have a read of the PDL survival guide linked below and if you believe you have been treated unfairly by the lender, you should consider making a complaint to the Financial Ombudsman .

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?396982-New-payday-loan-survival-guide-by-mike-dailly-govan-law-centre.

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?399260-Feel-that-you-ve-been-treated-unfairly-by-your-Payday-loan-lender-COMPLAIN-TO-THE-FOS!!


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Share this post


Link to post
Share on other sites

Send a FORMAL COMPLAINT and they legally have to communicate with you. It's on my to-do list this week to sort them out- been busy with work and we have had a new baby so been a bit busy. I've had a bit of email correspondence with Michael Lapides and they have finally agreed I don't owe anywhere near what they say. Admittedly it has taken a complaint to both OFT and Financial Ombudsman to do it. They get a certain amount of free investigations per year and then are charged over £500 for every other investigation by the FOS so get complaining. And make a point of telling them you are complaining. That will defo get the morons running scared!

Share this post


Link to post
Share on other sites
Send a FORMAL COMPLAINT and they legally have to communicate with you.

 

Nope. Guidelines say they should issue a final response within 8 weeks, otherwise the FOS can intervene without a response from the creditor.


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

Share this post


Link to post
Share on other sites

Considering the lender can be fined up to £50000 for failing to deal with a legitimate complaint it is really in the lenders best interest to deal with complaints seriously though.

 

But then of course we are talking about the Toothfairy here:evil:

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...