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    • Thanks so much. My initial thought was that if they had a leg to stand on they wouldn’t be offering discounts, they’d be taking action. Just wanted to double check    Almost four  years have passed since they started harrassing me and it was just a horrible throwback to being a broke student and worried sick that I couldn’t come up with £200. So odd that they’re picking this up again after so much time has elapsed 
    • hsbc don't need their own data back. but yes send them a copy of the FOS CQ.   you are quite entitled to send the FOS a covering letter.
    • hi Laya and welcome to CAG   They are just trying their luck and you should ignore these demands with no reply at all.   Don't call or email or respond in any way - when they realise you're not taking their threats seriously, they'll move on to weaker prey.   There will be no court proceedings at all so don't worry about this. They have no grounds for court action and that's not how they operate.   😎
    • Ha ha, it was 5 numbers on one account. I was paying for my wife and kids. Became ill couldn't pay, tried to negotiate and the rest is history. Anyway we will see what happens next. Hopefully nothing.    Thanks so much for the advice and patience. Very much appreciated.    Regards   Jason
    • Hey everyone,    Back in 2015, I had issues with CrS/Harlands after cancelling my gym membership and my ex-partner’s membership. I made them the following offer (in writing) which they ignored: ‘ We now realise that we should have paid one further month's fee for the notice period and are willing to offer you £9.99 per person now (totaling £19.98). If you confirm in writing within 14 days that you'll accept £19.98 in full, you will be paid promptly. However, we will not pay any admin or cancellation fees as these are unlawful ’    They then passed my details to Zinc, who passed them back once I showed them the full version of the above letter ( this occurred on the 3rd November 2015).  I told them to only correspond with me via letter and got on with my life.    Fast fotward almost 4 years. I’ve moved adress and changed partner and I recieve this in my inbox with the subject: ‘ Please let us help you ( with my new address on it although I’ve not recieved a physical copy).    “ Your membership with Xercise4Less remains in arrears.  In a final attempt to resolve this matter we would like to offer you the opportunity to free yourself from this debt.   We will apply a discount to your balance as shown below. The earlier the payment the more of a saving you make.  AND the agreed amount can be spread over a 90-day period: 19th - 23rd August 2019  50% 27th -30th August 2019  40% 2nd - 6th September 2019  30% 9th - 13th September 2019  20%   OR If you are unable to settle the balance in one go with the above offer then we will help you pay off this account.  For example; for every £10.00 payment you pay we will apply a £2.00 reduction to your balance, for every £20.00 payment we will apply a £4.00 reduction and so on.”    What should I do? My inclination is that they would have started preceedings if they could however I have Generalised anxiety disorder and this has effected my mental health.    Many thanks for any help 
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mojomyjojo

TOOTHFAIRY/NDR/MARSHALL HOARES. Help needed please!

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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!

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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

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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.

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

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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!!


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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!

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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

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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:

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