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    • Received initial reply to CCA requests from Lowell in relation to the Cap One £4k and Argos Card.  Both are identical with exception of account information.   Do I now get my partner to stop the payment arrangement? 20201202-CCA Reply CAG.pdf
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    • Hi Guys.    In 2016 I had a PDL with The Money Shop.   Due to financial difficulty I stopped paying it in January 2017.   Recently out of the blue I started receiving emails from CRS about the debt. They were duly ignored.   Within them was an email about sending me a Letter Before Claim (they didn't) as well as a couple of repeated emails about the implications of a CCJ. They have my address and I haven't moved since the debt was accrued.    A couple of days ago I received a letter from AJJB Law being very disappointed in me for not replying to CRS and telling me that their client is entitled to possibly pursue proceeding without further action.   Usually I would send an IRL claim to InstantCashLoans, but with them in the hands of Administrators that is no longer possible.   Also worth noting that on my credit file the debt is marked as owned by ICL - Trading as TheMoneyShop. This has been marked as 'Delinquent' every month since Jan 2017. There is no default registered.   So, whilst I am kind of sure that I'm still safely in the 'ignore these chancers' category, I was wondering if anyone had any advice on if I should perhaps tackle this in a different way?   Also, if the debt on my credit file is just marked as delinquent when will it fall off, if ever? 
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Toothfairy Account no longer showing with CRA


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Interesting. Thanks for that. This is news to me. I have always been lead to believe from various sources that a PDL can only be pursued for non payment for 1 Months interest + Capital. I have seen this quoted on this very forum a number of times. Am I to assume this advice is no longer valid now?! In which case I apologise.

 

The PDF you linked however does state the following as mandatory compliance:

 

 

 

Which is approximately 2 months. So in theory using this framework the interest owed would be £205.20 worked out as follows:

 

£48 Fornightly Interest Divded by 2 = £24 (Weekly Interest)

 

£24 x 52 (Number of weeks in a year) = £1248 Yearly Interest

 

£1248 Divided by 365 (Number of days in a year) = £3.42 (Rounded to the nearest penny)

 

£3.42 x 60 Days as per the guidelines in PDF above = £205.20 Interest

 

£205.20 + £400 Capital = £605.20 Total Repayable!

t

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So in the case of xxlozxx the calculation would be as follows:

 

£400 Capital + £205.20 Interest = £605.20 - £160 Already Repaid = £445.20 Outstanding. That leaves the percentage repaid at 26% based on a 60 day loan which is still higher than 10% settlement and considerably higher than the purchased portfolio value of 7.5%

 

Thanks for that have written to them today for a balance as they still have not provided me with any figures. Thought it might have been same people as before as you cant reach them by email (again) and they dont divulge any address. I did ring the number out of interest today and it has the same creepy music tone before they answer the phone as Marshall Hoares. They answer as Blackwell who claim to be DCA for DHR and they gave me an address which is a PO Box in Rotherham. On calculation based on 7.5% they have bought my debt for around £215. I have written to them today asking for an uptodate balance but Im not holding my breath for a written reply so we will see.:|

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Thanks for that have written to them today for a balance as they still have not provided me with any figures. Thought it might have been same people as before as you cant reach them by email (again) and they dont divulge any address. I did ring the number out of interest today and it has the same creepy music tone before they answer the phone as Marshall Hoares. They answer as Blackwell who claim to be DCA for DHR and they gave me an address which is a PO Box in Rotherham. On calculation based on 7.5% they have bought my debt for around £215. I have written to them today asking for an uptodate balance but Im not holding my breath for a written reply so we will see.:|

 

Is there any way to find out who owns them. If this person was telling the truth it doesn't matter that they paid 7.5pct or 100pct if they are the same people behind tooth fairy. Can we put a request to the oft to know that?

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Still not had anything in writing but have started to receive texts from Blackwater at 10.35pm tonight saying " please contact us urgently to discuss the outstanding loan you took out with Toothfairy we are able to offer a number of options to close this file". Any advice would be welcome.

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It is suggested that less than 10% of the total loan book will be reclaimable. To me that indicates either completely irresponsible lending and/or excessively high fees and charges. Of course another possibility is fraud , over quote the value of the book to raise more money.

 

The whole book has been sold for £25000 (credit today)

Any opinion I give is from personal experience .

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It is suggested that less than 10% of the total loan book will be reclaimable. To me that indicates either completely irresponsible lending and/or excessively high fees and charges. Of course another possibility is fraud , over quote the value of the book to raise more money.

 

The whole book has been sold for £25000 (credit today)

 

Unpossible! If webloans sells it for so little, it is obvious that it is the same person buying it as the one selling it! Just a few of us would have been able to buy it and cancel our loans because 25000 is probably less than 100 loans. Are we suposed to believe it? To me it is all confirmation of what the phone assistant was saying that per gullestrup family owned it and they were organising to move it.

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It is not webloans that are selling it, it is the administrators who are legally bound to get the best price. Now unless you are suggesting that there is any corruption with the administrators .....

Any opinion I give is from personal experience .

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Is anyone still receiving contact from anyone claiming to be Northern Debt Recovery? I think I've been getting phone calls from them but haven't properly checked. Or is that impossible and have the company definitely gone now? I originally got out a 200 pound loan and it went upto a grand when I didn't pay it in time. I was on a DMP with them and then got it down to 400 odd pounds. Me and my partner then lost our jobs and have been able to pay any of our debts for a while, I haven't received any contact from them at all since then as far as I know.

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NDR are gone. If you have paid £600 for a £200 loan I would tell them to do one now. Just wait and see what they do and then come back and ask

Any opinion I give is from personal experience .

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It is not webloans that are selling it, it is the administrators who are legally bound to get the best price. Now unless you are suggesting that there is any corruption with the administrators .....

 

I don't think it's true. Probably the owners, Per Gullestrup or else depending which story we are suposed to believe, sold and then webloans got the administration. Check what is reported here, the administrators said the book was sold but it clearly looks like it happened before

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Combine what wikipedia says about prepack bankruptcy in the uk and what david kirk is quoted saying here. It may be a crazy theory but we have a duty to investigate after what these people charged us. And if the theory is real, we need to make sure oft knows

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Well for a start I would trust that site about as far as I could throw DX (no offence Dx). They see conspiracies everywhere although they are right..we are all out to get them.

Any opinion I give is from personal experience .

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Update - At the time Toothfairy went "bump" the last email from them stated that I now owed £2874 for an original loan of £400, despite making regular payments to them via Stepchange. I have today spoken with Blackwater (collection agents for DHR) who have emailed me stating that the loan had now been assigned to them. I asked for an up to date balance and they say that the outstanding debt is now £846???? However if I paid in full or set up a payment plan to clear within 6 months they could reduce this figure further.They gave me their bank details and yep they are the same as Toothfairy/Marshall Hoares. They also gave me my account reference no. which is also the same as the old Toothfairy reference. I asked if they could send a letter with all the details on so I could pass onto Stepchange but they said this is not normally their practice if Stepchange wanted to speak to their DMP Department they could. I have spoken to FOS today who are going write to DHR to find out what is going on and why the outstanding balance is so high. Incidentally Stepchange do not appear to have a problem paying Blackwater as they say they already deal with them.

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If it is now dhr, tell blackwater that you want to see the documents proving that your loan has been transferred. You should also ask to speak to dhr directly to make sure that blackwater is legally mandated. Dhr is nowhere to be found! I bet you that once we know where they are, we'll have no problem linking them to wlp previous owners (being per gullestrup or anyone elae)

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I've still haven't had any contact off anyone claiming to own my speed credit/web loans processing account, I had a repayment plan with them but I haven't paid anything since they went into administration, should I just be ignoring it till I get some thing in writing off who's bought them.? I've read about offering the 10% of the orginal debt , I've already paid 50% of the orginal loan back when they do get in contact what should I be saying

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Edmond here is some info for you on the nowhere to be found company

 

http://www.companiesintheuk.co.uk/directors/dhr-capital

 

CCL 0653537

 

the sole person who runs the company http://www.companiesintheuk.co.uk/director/9776742/justin-bannerman-lloyd

Any opinion I give is from personal experience .

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The plot thickens. I received 2 emails today from DHR, 1 of which asked me to log into the Toothfairy Website to pay my loan, I did log in but did not get very far, the 2nd email asked me to ring DHR which I did and the phone was answered as DHR. I questioned them about the emails and I was told to just ignore the Toothfairy one as I would still be receiving lots of these emails, in fact, I have received no emails from NDR, MHB or Toothfairy since last year. I asked if they were the same Company and I was told no. Anyway, the woman I spoke to was very polite I said I would set up a new repayment plan, original loan was 300.00, I have paid 263.00 so 486 left to pay, no discount was offered on this amount but she did say that they had taken all the charges and interest off that NDR had added on which was about 3000.00. SHe asked for my card details which I refused to give her and reluctantly after she kept me on hold for 15 minutes she gave me their bank details which are the same as Toothfairy. She did try and tell me that they did not hold by debit card details so I would be quite safe in paying that way, I should cocoa. I am very unsure if I want to make these payments as there is something not quite right. Any advice would be good please

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The plot thickens. I received 2 emails today from DHR, 1 of which asked me to log into the Toothfairy Website to pay my loan, I did log in but did not get very far, the 2nd email asked me to ring DHR which I did and the phone was answered as DHR. I questioned them about the emails and I was told to just ignore the Toothfairy one as I would still be receiving lots of these emails, in fact, I have received no emails from NDR, MHB or Toothfairy since last year. I asked if they were the same Company and I was told no. Anyway, the woman I spoke to was very polite I said I would set up a new repayment plan, original loan was 300.00, I have paid 263.00 so 486 left to pay, no discount was offered on this amount but she did say that they had taken all the charges and interest off that NDR had added on which was about 3000.00. SHe asked for my card details which I refused to give her and reluctantly after she kept me on hold for 15 minutes she gave me their bank details which are the same as Toothfairy. She did try and tell me that they did not hold by debit card details so I would be quite safe in paying that way, I should cocoa. I am very unsure if I want to make these payments as there is something not quite right. Any advice would be good please

 

Whoopie Do, did you speak to dhr or blackwater? I have not received anything from them yet but I think they don't have my new contact details so not sure. What phone number did you use?

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Whoopie Do, did you speak to dhr or blackwater? I have not received anything from them yet but I think they don't have my new contact details so not sure. What phone number did you use?
Hi EdmundD, they answered the phone as DMR, number was 0203 476 4029
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Toothfairy site is up and running.

 

I have just received a text from DMR Connect stating that if I repay the amount I borrowed by end of February they will close the file. Options for payment were call them direct or visit Tooth Fairy web site. I decided to try the website and you can log in, it clearly shows the amount of charges they have deducted from when they went bust, the amount you have paid and the balance still owing. My balance shows 436 to pay but I only borrowed 300.00, I have already paid 263.00 so am I right in assuming that I only pay 27.00 to close the file?

 

Your page on the webiste also shows your bank card details which apparently they do not keep, just as well mine is showing a defunct card

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You owe the following. Original amount loaned plus original contracted interest, minus any payments already made.

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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Update - spoke with FOS last week who are going to write to DHR Capital (originally Loads of Dosh). Had an email from Blackwater (collection agents for DHR Capital) yesterday who say they have now changed their name to DMR Connect. Had text today from DMR Connect saying they will close my toothfairy file if I pay the original amount borrowed (£400) by end February. Can do this by logging into toothfairy account and giving my bank details (not on your life!). Have logged in and says I owe £846? I do have bank account details for Blackwater but these are the same as the old Toothfairy bank details :|. They refuse to put anything in letter form will only text or email. I think I will wait to see if they respond to the FOS first.

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