If you’ve been following my blog you’d of noticed a lack of posts – mainly due to the fact that earlier this month I’d agreed a repayment plan with Marshall Hoares Bailiffs for the 27th of each month and, up until now at least, they’ve left me the-fuck-alone. Knowing that other people across the big ol’ brilliantly-candid-internet have horror stories to tell about repayments being ignored, I thought I’d play it cool and pay my agreed sum a few days early – a payment my bank 100% acknowledges.
So how surprised was I (my sarcasm metre just exploded) when I received TWO emails today from NDR about lack of payment. I’m very sorry, but a) you’re wrong and b) I dealt with Marshall Hoares Bailiffs so why are you contacting me about it? So now I’m being pursued again by two out of three companies which is a practise they already acknowledge is incorrect (oh yes, that little doozy was recorded when I spoke to them last) and they’ve still blocked my email address when I send them hate mail.
Anyhow, here’s what I’ve received.
Loan Ref: xxxxxx / PCPF / manual failure
You agreed to a payment plan to settle your ToothFairy Pay Day Loan to avoid further charges, recovery and legal action.
You agreed to pay GBP 75 by 26.07.2011.
The following payment of GBP 75 in relation to your loan with ToothFairy Pay Day Loan – Ref xxxxxx has not been received as at 28/07/2011
Your outstanding balance is GBP 313.8.
By failing to honour this agreement ALL charges immediately become due and previously agreed repayment timings are no longer available.
Recovery Agents WILL now be sent to all addresses we have on file for you in order to obtain payment. Should this also prove unsuccessful we will be liaising with solicitors who will obtain a County Court Judgement against you. Once this is secured we will return with a Warrant of Exe cution from the County Court and certified Court Bailiffs to seize goods at 9 times the value of what you owe.
It is essential that you honour commitments you make.
As a last chance, you should pay GBP 75 by:
1. going online at http://www.toothfairyfinance.com and clicking Pay Now;
2. making payment to:
Account Number: 93462382
Sort code: 20-50-94
Reference: Use your mobile number (xxxxxxxxxxxx) 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 c ontact us so we can investigate this further and correct your file.
NORTHERN DEBT RECOVERY
0843 381 0843
WRONG. The next email is where it gets a little confusing.
Re loan ref: xxxxxxxxxxxx / xxxxxx / 104 (PP-F)
Notice: All correspondence relating to your Toothfairy Loan ref: xxxxxxx taken out on 15.04.11 08:49 should be referred through Northern Debt Recovery.
You have failed to honour the payment plan you agreed to so this file has been fast-tracked for recovery through the courts and by recovery agents.
You should contact Northern Debt Recovery within 24 hours days on 0843 381 0843or we will be left no option but to send our Recovery Agents to all addresses we have on file for you in order to obtain payment. This will incur additional fees.
We will shortly be liaising with solicitors to obtain a County Court Judgement against you. Once this is secured we will return with a Warrant of Execution from the County Court and certified Court Bailiffs to seize g oods up to 9 times the value of what you owe.
Legal and Recovery fees have been added to your file. Below is a breakdown of what you owe
Loan and Interest £416
Missed Payment Fee 1 (day 29) 26.08.11 10
Missed Payment Fee 2 (day 43) 09.09.11 10
NDR Accept Case File 22.09.11 200
Solicitors – Instructed 22.09.11 150
Missed Payment Fee 3 (day 56) 22.09.11 10
Closing Amount Discount 17.10.11 380
Repayments todate £102.2
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: This debt will only increase in size the longer you ignore it as interest , Court fees and Bailiff fees continue to accrue.
If this debt has already been settled p lease contact us immediately so we can correct your file.
DEBT MANAGER – Greg Campbell
NORTHERN DEBT RECOVERY
0843 381 0843
Why is it confusing? Mainly because of this line:
Repayments todate £102.2
Oh, that’ll be the initial payment of £27.20 I paid you and the £75 I agreed to pay this month – so not only have you acknowledged the payment, you’re telling me its not been received so “give us some money”. Fuck off.
So, I thought I’d email our Saaf Afrikaan friend Jason Ash again seeing as he has the only email address that doesn’t bounce my messages now (probably not after this email). Just so you know, I’m not frustrated by their actions. Err.
I’m starting to lose my patience with you shysters.
Why are NDR contacting me about not paying this amount when I made the agreement with you – is it because you’re actually the same company? Be honest now!
Why are NDR still using the fake aliases of Jack Rogers and Greg Campbell?
You will of noted that I have paid the amount, as your email demanding money states that the total repayments made are £102.20 (A payment of £27.20 and £75 due this month).
Is your company so stupid that it can’t follow the OFT regulations for debt collecting procedures and more importantly, has someone bought a slightly larger abacus up there?
Is Mr. Larholt available at his property this week? I’d quite like to have a word face to face if that’s possible.
Best fucking regards,
I’m sure they know who this is by now and to be honest, I’m past caring, hopefully the last sentence will prompt some phone call about how I can’t visit someones property without a court order; hang on, that’s what they do! D’oh!