Easy finance club/NDR/ Marshall hoare

Tickan

Hey! My first post here so yeah...

It might be a wrong section for it, and if it is then feel free to move it

So my first problem started when I took payday loans to cover expenses and etc... Later on I was taking payday loans to pay back other payday loans and so I decided to stop and cause damage to myself and other companies. So I went to PayPlan that did a great job with DMP and all creditors accepted "affordable repayments" except Easy Finance Club that declined. I have received some e-mails, but not correspondences (letters) at all :eek:. Interesting thing is that after when I started DMP I was alrey with NDR that quickly after hearing from PayPlan transported the case to Marshall Hoare. This is an email that I have received:

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BY LETTER AND EMAIL

Online payment ID: XXXXXXXX
Outstanding amount: 1174.49

Letter of Instruction & Notice Reminder

Reference: BAILIFF/INTR/XXXXXXXX
Client: Easy Finance Club - Easy Finance Club Direct
Client Ref: XXXXXXXX

Date: 11/10/2013

Dear

We are writing to give you formal notice that Easy Finance Club - Easy Finance Club Direct legally engaged Marshall Hoares Bailiffs to recover the above debt.

YOU WILL HAVE OR WILL SHORTLY RECEIVE A HOME VISIT

We will pursue you fully for all outstanding sums (GBP 1174.49) including any fees we incur collecting this debt as per the terms and conditions of the contract you signed. Payment in f ull must be received within 4 days. DO NOT IGNORE OR THIS WILL COST YOU MORE

Debt GBP 944
Cash Transmission Fee GBP 5
Missed Payment Fee 1 (day 29) GBP 10
NDR Accept Case File GBP 200
Missed Payment Fee 2 (day 43) GBP 10
Missed Payment Fee 3 (day 57) GBP 10
Missed Payment Fee 4 (day 71) GBP 10

Repayments todate GBP 14.51
Total GBP 1174.49

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 Action legal action may be started in the County Court (or Sheriff Court if you are in Scotland) for recovery of the full amount outstanding. Any such proceedings will include additional claims for legal costs and interest which will increase the amount you will be requi red to pay.

2. Warrant of Execution or its Scottish equivalent will be applied if we successfully obtain a County Court Judgment or Scottish Decree 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 Easy Finance Club 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:

their website

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 (447941965896) as a reference

This debt will not go away and should not be ignored

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

Yours faithfully


Anti - Fraud
Marshall Hoares Bailiffs
Telephone: 0843 381 1111


The content of this email should not be considered as an acceptance of any offer unless we previously review and expressly approve in writing your terms and conditions relating to the subject matter of this email.

The information in this email is private and confidential. If you are not the intended recipient(s) or have otherwise received this email in er ror, please delete the email and inform the sender as soon as possible. This email may not be disclosed, used or copied by anyone other than the intended recipient(s). Any opinions, statements or comments contained in this email are not necessarily those of Marshall Hoares Bailiffs Limited. If you wish clarification of any matter, please request confirmation in writing.

Marshall Hoares Bailiffs Limited is a company registered in England and Wales whose registered address is Marshall Hoares Bailiffs Limited, 15 Lyndhurst Terrace, London, NW3 5QA, United Kingdom. Company registration number 06871092. Marshall Hoares Bailiffs Limited is licensed by the Office of Fair Trading under Consumer Credit Licence number 631168.

We take precautions to minimise the risk of this email containing a software virus but you should use virus checking software.

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Interesting thing is that I borrowed £400 and I was supposed to pay back £528, which after 2 months it became as £1174!!!

Before it went to that disgusting amount of money it was:

1. £528
2. £639
3. £900
4. £1189 - 14.51 (DMP) = £1174.49

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These are charges in the agreement:

9. CHARGES

9.1 The following charges are payable under this Agreement:
9.1.1 transmission fee (GBP5);
9.1.2 account maintenance fee (GBP0); and
9.1.3 using an alternative method of payment (either credit card, bank transfer or

direct debit) (GBP0).
9.2 If you fail to make payment under this Agreement, you may be charged the

following additional fees incurred in recovering your debt:
9.2.1 where we have to apply for a County Court Judgment or Warrant of Execution

(GBP45);
9.2.2 where we have to engage with Solicitors or instruct other legal services

(GBP150);
9.2.3 where we have to engage wi th Debt Recovery Agents or other agencies (GBP200).
9.2.4 where, after the first 28 days you miss each scheduled payment

(GBP10)
9.3 We may vary the charges set out in this Clause 9 by giving you reasonable

notice in writing, unless the change is to your advantage in which case we may make

the change immediately and will notify you of it within 30 days.

10. INTEREST FOR LATE PAYMENT

10.1 If we do not receive the appropriate payment from you in accordance with

Clauses 7 and 8:
10.1.1 we will continue to charge interest on the Loan Amount. The rate of interest

will be the same as set out in Clause 4;
10.1.2 interest after default is charged at the end of each 7 day period, starting

with the day after payment is due. The rate of interest may be charged before as well

as after any court judgment;
10.1.3 we may require you to pay interest accrued at the end of each 7 day period,

starting with the day after payment is due, in which case we will give you reasonable

notice of such requirement; and
10.1.4 we may continue to attempt to collect payment of the Loan Amount and all

accrued interest (or any part thereof) from you as set out in Clause 7.2
10.2 We may charge you a fee of GBP 32 for late payment. We

may also charge you for any costs and expenses (including enquiry agents, debt

collections agents and legal costs) reasonably incurred by us in enforcing this

Agreement.
10.3 We may vary the late payment charge specified in Clauses 10.1 and 10.2. We

will give you reasonable notice in writing of any such variation, unless the change

is to your advantage in which case we may make the change immediately and will notify

you of it within 30 days.

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Thing is that on DMP (£50 that is shared amongst others) they get the most most money (£13.50). I don't understand why other creditors agreed where NDR/Marshall did not straight away. When I called them they said to me that the minimum they will accept is £50...

What should I do? I am so sorry for that long post, but spoilers do not work as intended on this website. Plus their websites does not work O.o

fermi

Marshal Hoares are just EFB/toothfairy/webloans (or whatever other daft name they think up) pretending to be bailiffs.

See: https://forums.moneysavingexpert.com/discussion/4766832

Complain and take it to the FOS etc if they refuse to be reasonable and won't remove any unfairly applied charges.

matttye

Pay them whatever you can afford under your DMP and report them to the FOS and OFT for their bully boy tactics.

These clowns cannot make you pay over £1k when you only borrowed £400 two months ago so don't panic. Plus they NEVER take people to court. A judge would rip them a new one for their behaviour.

There's no point in trying to discuss your debt with them at all, because they'll just keep trying to bully you and basically ignore everything you say.

matttye

fermi wrote: »

Marshal Hoares are just EFB/toothfairy/webloans (or whatever other daft name they think up) pretending to be bailiffs.

See: https://forums.moneysavingexpert.com/discussion/4766832

Complain and take it to the FOS etc if they refuse to be reasonable and won't remove any unfairly applied charges.

They do have a bailiff working for them, which is how they get around using the word 'bailiffs' in their company name I think.

http://certificatedbailiffs.justice.gov.uk/CertificatedBailiffs/searchPublic.do?search=shepherd

Andrew Shepherd works for them.

I have never read any reports of them actually carrying out genuine bailiff work though, just bullyboy debt collection.

Tickan

Wow! Thank you for really quick responses. I will make sure that I will report them to FOS and OFT, but what reasonable amount I should except to hear?

Would this be between £550-£650?

matttye

Tickan wrote: »

Wow! Thank you for really quick responses. I will make sure that I will report them to FOS and OFT, but what reasonable amount I should except to hear?

Would this be between £550-£650?

What you borrowed + one month's interest + a default fee of about £25-30.

Tickan

Okay, good to know. Thank you for all answers.

happy_bunny_2

I would call the FOS in the first instance:
http://www.financial-ombudsman.org.uk/consumer/complaints.htm

Sometimes they just call up or write to the company telling them to stop behaving like idiots and that will sort it.