Marshall Hoares - Can they say this

billinghamfan

Well I have written some letters and contacted them via their online thing. Note it won't let you send messages containing certain words especially if it's extracts from OFT regulations. So letters containing this have been sent.

I haven't received any more emails from Marshall since I told them that I was instructing my solicitor to sue for harrassment on Friday so I have received the following from NDR this morning.

Dear xxxxx

We have not received an offer we consider reasonable from your debt management company/advisor.
As per the OFT guidelines on Debt Management we are now entitled to, and will, pursue you directly for payment of your outstanding debt.

You need to contact us within 24 hours to come to an arrangement directly with us or we will pass your file onto Bailiffs to pursue.

We will seek a Court Judgment against you followed by a Warrant of Execution to seize goods and/or obtain an attachment of earnings.

We will shortly be registering a "default" on your national credit file which is shared between lenders. This will hinder obtaining any future credit.

We recommend you call us within 24 hours so we can come to an arrangement based on your circumstances.

WARNING: If you do not contact us this WILL be pursued by Bailiffs.

Yours sincerely,


DEBT MANAGER - Greg Campbell
NORTHERN DEBT RECOVERY
0843 381 0843

I won't be replying.

I will continue to post any coorspondance I receive from them so others know what to expect.

FireWyrm

..>"we will pass your file onto Bailiffs to pursue"....

Yeah right! Tell them to swivel. Bailiffs they aint. Stupid people.

billinghamfan

Can't even be bothered to respond to be honest.

mmecholet

thanks,I will do both then, sending letters to every address I have for TFairy/MH and use the online form. I'm still waiting for todays threatening email to arrive!! Hey ho, got to go work now, got better things to do than stress myself out over these idiots.

billinghamfan

Second email of the day!

Loan Ref: xxxxx

30/05/2012

Dear xxxxx

This is a reminder that you committed to pay back your Speed Credit Loan*** debt.

This debt is now very overdue. We have allowed you to extend the loan as a goodwill gesture.

As part of settling this debt you are committed to paying GBP 576 by 31.05.2012.

In accordance wih the Standard Terms and Conditions you agreed to, we will be automatically taking payment tomorrow as agreed. Please ensure the amount of GBP 576 is available by midnight tonight.

If there are insufficient funds in the account the payment might fail and all charges will IMMEDIATELY become due, ALL back dated interest, penalty fees will be charged.
Recovery Agents will 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 Execution from the County Court and certified Court Bailiffs to seize goods at 9 times the value of what you owe.

IT IS ESSENTIAL you HONOUR this agreement

If you have any questions regarding this, or willbe unable to pay contact customer services NOW.

Yours sincerely,


COLLECTIONS
NORTHERN DEBT RECOVERY
0843 381 0843

I expect to receive this again in about 2 minutes with a different amount and I should also receive two texts with different amounts.

FireWyrm

Billingham...

You DO have all your money moved to a nice secure basic rate account don't you? I only ask because they might have a continuous payment authority and they'll take that £500 whether you have it handy or not.

billinghamfan

Oh yes I get that message every month or so. It did used to be two messages with different amounts on each message. I assume they have it sorted out now.

This morning I go this lovely message from Speed Credit.

Loan Ref: xxxxxxxx

31/05/2012

Dear xxxxx,

You agreed to automatic payments to settle your Speed Credit Loan***.

You are aware that these payments are necessary to avoid further charges, recovery and legal action.

You were committed to pay GBP 576 by 31.05.2012.

The following payment of GBP 576 in relation to your loan Speed Credit Loan*** - Ref xxxxx has been DECLINED by your bank today.

Your transaction reference is: xxxxxx
Error Code: DECLINED - The supplied expiry date is in the past
This may appear on your statement as a transaction processed by: tf-f or London Treasury Services

Your outstanding balance is GBP 1270.8.

By failing to honour this agreement all charges will immediately become due. Recovery Agents will be sent to all addresses we have on file for y ou 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 Execution 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 your commmitment .

You should pay GBP 576 by:

1. going online at https://www.northerndebtrecovery.com and clicking Pay Now;

OR

2. making payment to:
Barclays Bank
Account Number: 93462382
Sort code: 20-50-94
Reference: Use your mobile number xxxxx as a reference so we can match it correctly

Please ensure that these funds reach us by the end of business.

Note: We reserve the right to contiune to automatically debit your account for the agreed scheduled amount OR the full amount if payment is not received.

If you have already re paid and this is not reflected in the above statement please contact us so we can investigate this further and correct your file.

Kind regards



Speed Credit - Loans Team
t: 084 3381 3381
ïï€ Please consider the environment before you print this email.


Oh well their time they are wasting.

billinghamfan

Latest email.


BY LETTER AND EMAIL

Online payment ID: xxxx
Outstanding amount: xxxx

Letter of Instruction & Notice Reminder

Reference: xxxxx
Client: Speed Credit - Speed Credit Loan***
Client Ref: xxxxx

Date: 01/06/2012

Dear xxxx,

We are writing to give you formal notice that Speed Credit - Speed Credit Loan*** has legally assigned the rights of the above debt to Marshall Hoares Bailiffs. This means that Marshall Hoares Bailiffs Limited now legally own this debt.

YOU WILL HAVE OR WILL SHORTLY RECEIVE A HOME VISIT

We intend to pursue you fully for all outstanding sums (GBP 1270.8) including any fees we incur collecting this debt. Payment in full mus t be received no later than 17:00 to avoid further door collection fees being added to your file. DO NOT IGNORE OR THIS WILL COST YOU MORE

Debt GBP 876
Cash Transmission Fee GBP 5
Missed Payment Fee 1 (day 29) GBP 10
Missed Payment Fee 3 (day 57) GBP 10
NDR Accept Case File GBP 200
Missed Payment Fee 2 (day 43) GBP 10
Solicitors - Case Preparation GBP 150
Missed Payment Fee 4 (day 71) GBP 10
Missed Payment Fee 5 (day 43) GBP 10

Repayments todate GBP 10.2
Total GBP 1270.8

TAKE NOTICE: You should accept this letter as formal notification that unless payment is received within 4 days then your account will be fast-tracked and considered for the following:

Consequences of inaction:
1. Court Judgement legal action will be automatically started in the County Court for recovery of the full amount outstanding. Any such proceedin gs will include additional claims for legal costs and interest which will increase the amount you will be required to pay.
2. Warrant of execution will be applied for to enable us to seize goods at your addresses and or an attachment of your earnings.
3. Register of Judgements any judgement will be entered in a public register, the Register of Judgements, Orders and Fines Credit Reference Agencies, who will supply them to credit grantors and others seeking information on you financial reputation. This will make it very difficult for you to get credit.
4. Credit reference Speed Credit have already advised the Credit Reference Agencies of your DEFAULT. This may seriously affect your ability to obtain credit in the future. Once the balance is paid in full, only then will the default be shown as “Default Satisfied”.

To AVOID A HOME VISIT or further action you should PAY IMMEDIATELY

1. online using a card by visiting:
www.marshallhoares.com

OR

2. at bank either over the counter at the bank or by electronic transfer to:

Barclays Bank
Account Number: 93462382
Sort Code: 20-50-94
Reference: Use your mobile number (xxxxxx) as a reference

This debt will not go away and should not be ignored

You can contact us on 08433811111 to discuss your outstandig debt.

Yours Faithfully



Anti - Fraud
Marshall Hoares Bailiffs
Telephone: 0843 381 1111

UglyDebty

No didn't receive a home visit.
Just kept on emailing via the contact form on the MH website, kept a copy of all emails too. (replying to their reply and keeping the 'bounced' email IYSWIM)

Keep at it

billinghamfan

Update from the weekend two phone calls one answered one I put the phone down.

Text Message
' You REFUSE TO COME TO AN AGREEMENT WITH US. CALL 08433811111 TODAY or your file will be passed to RECOVERY AGENTS for pursuit'

Really MHB have been saying this for weeks.

Then this morning I had a lovely email.



BY LETTER AND EMAIL

Online payment ID: xxxxx
Outstanding amount: 1332.6

Letter of Instruction & Notice Reminder

Reference: xxxxx
Client: Speed Credit - Speed Credit Loan***
Client Ref: xxxxx

Date: 06/06/2012

Dear xxxxxx,

We are writing to give you formal notice that Speed Credit - Speed Credit Loan*** has legally assigned the rights of the above debt to Marshall Hoares Bailiffs. This means that Marshall Hoares Bailiffs Limited now legally own this debt.

YOU WILL HAVE OR WILL SHORTLY RECEIVE A HOME VISIT

We intend to pursue you fully for all outstanding sums (GBP 1332.6) including any fees we incur collecting this debt. Payment in full mus t be received no later than 17:00 to avoid further door collection fees being added to your file. DO NOT IGNORE OR THIS WILL COST YOU MORE

Debt GBP 948
Cash Transmission Fee GBP 5
Missed Payment Fee 1 (day 29) GBP 10
Missed Payment Fee 3 (day 57) GBP 10
NDR Accept Case File GBP 200
Missed Payment Fee 2 (day 43) GBP 10
Solicitors - Case Preparation GBP 150
Missed Payment Fee 4 (day 71) GBP 10
Missed Payment Fee 5 (day 43) GBP 10

Repayments todate GBP 20.4
Total GBP 1332.6

TAKE NOTICE: You should accept this letter as formal notification that unless payment is received within 4 days then your account will be fast-tracked and considered for the following:

Consequences of inaction:
1. Court Judgement legal action will be automatically started in the County Court for recovery of the full amount outstanding. Any such proceedin gs will include additional claims for legal costs and interest which will increase the amount you will be required to pay.
2. Warrant of execution will be applied for to enable us to seize goods at your addresses and or an attachment of your earnings.
3. Register of Judgements any judgement will be entered in a public register, the Register of Judgements, Orders and Fines Credit Reference Agencies, who will supply them to credit grantors and others seeking information on you financial reputation. This will make it very difficult for you to get credit.
4. Credit reference Speed Credit have already advised the Credit Reference Agencies of your DEFAULT. This may seriously affect your ability to obtain credit in the future. Once the balance is paid in full, only then will the default be shown as “Default Satisfied”.

To AVOID A HOME VISIT or further action you should PAY IMMEDIATELY

1. online using a card by visiting:
www.marshallhoares.com

OR

2. at bank either over the counter at the bank or by electronic transfer to:

Barclays Bank
Account Number: 93462382
Sort Code: 20-50-94
Reference: Use your mobile number (xxxxxx) as a reference

This debt will not go away and should not be ignored

You can contact us on 08433811111 to discuss your outstandig debt.

Yours Faithfully



Anti - Fraud
Marshall Hoares Bailiffs
Telephone: 0843 381 1111

My original debt (which is actually £400) has shot up by over £100 since their last email interesting!

Oh well I won't be replying.