Marshall Hoares

cameltown

Hello there,
Sorry to revive this thread but i am having issues with this company. I had a plan in place and now that paydates have moved to the last working day i have "broken" my agreement with NDR. now MHB are being quite rude and dont want to accept my offer. I have already paid back the amount i borrowed, but they want more than this and the interest + default that i initially had planned on paying.
Anyway, to cut this short, the chap (some south african) told me he would "see me in court" and hung up. So, what do i do? His attitude makes me feel like they'd be lucky to get anything more from me.
*Help*

rizla_king

They don't go to court, so either ignore them or report them to the OFT.

cameltown

i forgot to mention (if relevant) that he said that MHB had bought the debt from Speed Credit who were shut down. Also, as a "Bailiff" do they have any rights to add charges or interest to the already inflated balance?

NikNox

Don't worry. As far as I'm aware they've yet to take anyone to Court. They are just trying to scare you. They've been hounding my son for months, & he has paid back his original loan amount, plus a months interest, but they "want" an extra 3k on top!! Every time he speaks to them, which isn't often now cos he ignores their calls, he requests that they put everything in writing, but they refuse. They told him six months ago that they would "fast track" him to Court, and he told them he would appreciate if they could fast track it because he was eager to hear what a judge thought of their extortionate charges. They didn't like his response and hung up. Funny that! No court date has ever been received, & over the past few weeks they've,been calling me asking for my son, despite,me telling them, on a daily basis, that he doesn't live at home. But they keep calling. Last week I told them he'd emigrated to Australia!

Seriously though, the law is not on their side, so just ignore them.

snookey

Hi go on youtube and type in bailiff. Lots of ways and advice to get rid of them.

rizla_king

They don't act on a court order, so have no more power than scummiest pathetic debt collector. Calling themselves bailiffs is part of the scam.

fermi

Useful: http://www.ombudsman-decisions.org.uk/viewPDF.aspx?FileID=12684

complaint

Ms D complains that Marshall Hoares Bailiffs Limited (MHBL) added unfair charges to her account
and harassed her in pursuit of a debt.

our initial conclusions

Our adjudicator recommended that the complaint be upheld. She found that MHBL added charges
to this account after Ms D told it of her financial difficulties; she did not consider this to be
reasonable. Our adjudicator also found that MHBL’s communications with Ms D did not meet Office
of Fair Trading (OFT) requirements. She recommended that it reduce Ms D’s outstanding debt to
£359 and pay Ms D £200 to reflect the distress and inconvenience this matter has caused her.

my final decision

I have considered all the available evidence and arguments to decide what is fair and reasonable
in the circumstances of this complaint. Having done so, I uphold this complaint.
Ms D was lent £200 by a company affiliated to MHBL in April 2012. Ms D suffered financial
difficulties and was unable to repay the debt as planned, incurring late payment charges. She
informed the lender of her situation in June 2012 and tried to negotiate an affordable repayment
plan. Her lender rejected this and referred the debt to MHBL, adding further charges to the
account. Both companies sent aggressive emails and texts to Ms D demanding repayment.

I find that MHBL added unreasonable charges to Ms D’s account after she said she was in financial
difficulties. I am also satisfied that MHBL’s communications did not meet the requirements of the
OFT’s debt collection guidance by “putting undue pressure” on Ms D. It follows that MHBL should
compensate Ms D for this.

My final decision is that I uphold this complaint and I order Marshall Hoares Bailiffs Limited to pay
redress as set out in full overleaf.

ombudsman notes

My final decision is that I uphold this complaint and order Marshall Hoares Bailiffs Limited to:

 reduce Ms D’s outstanding debt to £359;
 agree an appropriate and affordable repayment plan with Ms D for this debt; and
 pay Ms D £200 for the distress and inconvenience this matter has caused her.