We have made a number of attempts to contact you by email and SMS to discuss the outstanding balance on the short-term loan you took out on 08.07.11 and you have made no effort to return these enquiries.
We have also warned you in advance of additional charges you have incurred.
As we make clear to all our customers our product is intended to be a short term financial solution. If the loan is extended this product can become expensive.
As we have not heard from you and not received payment we have been left with no alternative and are writing to advise you that this debt will be passed on to our Debt Collections Agency in the next 24 hours.
As per the terms of the contract between [merchnat] and yourself (see http://www.toothfairyfinance.com/terms.html) instructing the Debt Collections Team will add a further GBP 150 to the balance you owe. Debt recovery agents will call at the addresses we have on file for you until they are able to successfully collect the sums you owe. If our debt recovery agents, after a reasonable attempt at the addresses on file, cannot successfully recover the monies owed by you, we will issue a claim against you in the County Court for the outstanding balance plus the further charges and recovery costs that have been incurred.
You should be aware that a County Court Judgement against your name will remain for 6 years on the National Credit Records (NCR) accessed by employers, insurers and banks and may result in:-
a) difficulties in obtaining future credit
b) difficulties in obtaining a mortgage
c) being questioned at a County Court as to your financial circumstances
d) any current employers being informed s o an application against your earnings can be issued
e) difficulty in securing future employment due to an adverse credit history and credit score
f) a Warrant of Execution and bailiffs being instructed
We will apply for a County Court Judgement followed by a Warrant of Execution and a Bailiff order to seize goods from your addresses to be issued simultaneously to the County Court Judgement. This Warrant authorises Certificated Bailiffs to seize goods at the addresses held on file for you (including what may be your family home). These goods will be taken and put up for sale at public auction until the total amount you owe is satisfied.
The initial cost of issuing a County Court Judgement is GBP 45, this will be charged to your account on the date of issue.
The further court costs including solicitors time, application for a Warrant of Execution and the appointment of Bailiffs will also be added to what you owe.
As you can see this will ultimately cost you a great deal more if you do not deal with this matter now.
It will also cause you a great deal of difficulty for many years to come.
We strongly recommend that you settle this amount immediately to limit further costs, preserve your credit rating and your ability to gain full time employment.
Please immediately pay 626 by either:
1) Paying online by visiting http://www.toothfairyfinance.com and clicking Pay Now;
2) Make a bank transfer for GBP 626 to:
Account number 93462382
Sort code 20-50-94
Ref: Use your mobile number (x) as a reference so we can match it correctly
ALSO please EMAIL us confirming that this has been done to stop the debt being passed to the Debt Collection Team and further charges being incurred.If you ignore this and our debt recovery agency is instructed it will be a short matter of time before th e CCJ is issued and Bailiffs are instructed to seize goods.
We look forward to hearing from you confirming a speedy resolution of this matter.
If you have already repaid and this is not reflected in the above statement please contact us so we can investigate this further and correct your file.
Apples2 wrote: »
You still aren't dealing with this are you?
You do owe them money, you can't simply generate support on MSE and hope it goes away.
They are entirely correct, it will be a short while until the CCJ lands. On your current form you will probably ignore it so the Courts will rule in their favour.
You won't pay so next come the bailiffs.
lil_chicken_legs wrote: »
I have never said I do not owe them money, and considering I am offering to pay £100 a month for a £600 loan I do not think this is unreasonable.
Can I ask why you feel the need to be so smarmy and rude to someone you have never met who is in the midst of a scary, awful financial crisis and is asking for help?
michael1983l wrote: »
Apples with sharks like TFF they need to send letters with just proff of postage because they refuse to sign for recorded mail. At least with proof of postage they cannot refuse it.
It may also be of note that I cannot find a single person who has had a door visit or a CCJ off these poeple.
I hope nobody pay these lot back because they are just legalised loan sharks and it would teach them a lesson if they made a loss.
lil_chicken_legs wrote: »
micheal, what is the best address to use for correspondence?
Apples2 wrote: »
Have you considered the one on their Website per chance?
Hang on, I stated which one it was on my reply #45
I'm starting to see the funny side now :beer::beer:
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