Jump to content


  • Tweets

  • Posts

    • Hi, If they haven't followed the court's directions there will be little tolerance of the court. Anyway please can you upload a copy of the court paperwork
    • Yes, you should have applied for an immediate strike out as soon as the deadline expired. Without the agreement, they are stuffed Forget Barclaycard, Asset link is now the creditor, and it is down to them to provide the agreement.  That needs to go into the witness statement. They have not provided the agreement contrary to directions of the court and request the court strike out the claim as to the original court directions.
    • I did not receive a notice via post but in my claim status it shows my claim was transferred to a court I requested in my DQ, as it is closer to me.    Defense I filed:  1.       The Defendant contends that the particulars of claim are vague and generic in nature. 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.       The defendant paid the lead tenant a fixed sum monthly bill without fail for the extent of the rental period of the accommodation their contract was associated with who was responsible to make payments to the claimant, ending in June 2023. 3.       After moving out, a month later, the claimant wrote to state that an outstanding sum existed. Further stating, as one of the 10 tenants at the time, I now owed them the full sum instead of my 1/10 proportion of said debt, as 10 students were at the dwelling. They also intimated that they were legally allowed to charge me the full sum if the other renters were not to pay their share under some equal and joint severity rule. 4.       Despite sending numerous requests prior to the court claim being raised for copies of said bills for said utilities covered by the agreement, the claimant failed to send any clear bills. This included a CPR 31.14 on xx/xx/xxxx sent via post. 5.       The defendants stress that they acted in good faith to settle the outstanding balance, as evidenced by the confirmation received from the claimant.  Any subsequent demands for additional payments are unwarranted and contradict the claimant's previous acknowledgment of settlement. 6.       Pursuant to OFGEM code of back billing rules the alleged charges relate to charges which have not been billed correctly by Co-operative Energy and are therefore prevented from charging. With the court’s permission the Claimant is put to strict proof to: - a) show and disclose how the Defendant has entered into an agreement. b) show and disclose how the Claimant has reached the amount claimed. c) show how the Claimant has the legal right, either under statute or equity to issue a claim. 7.As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation                  that the money is owed. 8.It is therefore denied that the defendant is indebted to the claimant as alleged or at all.
    • Paint is a free programme on any Windows PC. But don't worry, the choice here is not either perfection or nothing. As you say, use your scanner, save the file ... and then use the "choose files" option when you post to CAG to add the file. We can do all the redacting and converting to the correct file type at this end.  The important thing is just to get the info to us. Why not do an experiment this afternoon and see if the above works?  
  • Our picks

    • 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 
        • 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
        • Like

Toothfairy Account no longer showing with CRA


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3713 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Having checked my Noddle credit file this month (sometimes out of date data from CallCredit; so taken with a pinch of salt naturally) I noticed my Credit Record was no longer showing Toothfairy Finance.

 

The balance of the loan when it last was displayed on Noddle was around £3,200 for a £400 loan :jawdrop:

 

Has anyone else noticed if their loans are still on their credit files?!?!

 

No phone calls or emails from them in a very long time and I will not be considering a call to their 0843 number to find out what's going on.

 

Take it steady all :-)

 

Nuke

This is how I spend most of my life :ranger:

Link to post
Share on other sites

  • Replies 80
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Could be in the process of being sold or updated.

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

Link to post
Share on other sites

  • 2 weeks later...

Gone from mine too! Just checked Noddle, it definitely used to be there. My new report can be viewed in 9 days so i'll check back then, but its gone.

 

How very odd!

 

Not that I am complaining at all I might add, but i'm not counting my chickens (or defaults) just yet!

 

H :)

Link to post
Share on other sites

Toothfairy belongs to Web Loans Processing. I found out that company has been managed since last year by the Gullestrups (Per and Tanja) following a divorce. It looks like they closed the company down and bought all our debts as a new company. I managed to get the info from one of their collectors from the collection department. They do not know much more than that in the department. They do not know the name of the new company. But they are convinced it is still the Gullestrups and Jordan Taylor. The department is also closing down, so don't expect many phone calls for now from them. I am sure they will call us again when they are ready.

Link to post
Share on other sites

Yeah i was involved in a case with the ombudsman and the OFT against them, after getting them involved i negotiated a debt in the £1000's down to £626 (which i thought was the fair amount), anyway paid them £300 and then didn't hear a word from them so stopped my payment plan and not heard a single word since! Website hasn't been working for ages either! Hopefully they have been busted by the OFT

Link to post
Share on other sites

They started again? I havent heard a peep out of them and im still £100 short of repaying what i took out in the first place. Did you also contact the OFT? I filed a case against them, although they dont pro-actively help you like the fos, the more cases they receive will more likely lead to TF getting into the sh*t they deserve.

Link to post
Share on other sites

They started again? I havent heard a peep out of them and im still £100 short of repaying what i took out in the first place. Did you also contact the OFT? I filed a case against them, although they dont pro-actively help you like the fos, the more cases they receive will more likely lead to TF getting into the sh*t they deserve.

 

I tried to call them. They don't pick up.

Link to post
Share on other sites

i am having problems with these guys aswell

 

i have been trying to contact then since the 28th november but no success, i recieved an email from them yesterday about being pursued by baliffs if they do not here from me in the next 24 hours, abd i have heard nothing today.

 

is anyone actually getting contact from them via a person or is every contact machine operated

Link to post
Share on other sites

The last I heard from them was a couple of months ago. I spoke with some girl on the phone and we had a game of hi - lo. She wanted lots of charges added and I wanted to repay only what I owed. The conversation

ended with her telling me they were sending around their baliffs lol. They still havn't shown up. I'm kinda hoping that they send someone around so I can tell them where to go but that won't happen as every one knows the Baliff thing is a pack of lies.

I havn't been getting their silly texts and emails for the past few weeks either though.

Link to post
Share on other sites

Make sure you have statements ready. If they sell it, theyll sell it with the charges and other unlawful fee's as well.

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

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...