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I took out a loan with Toothfairy Finance back in September for £300.
Unfortunately I was struck down soon after with what has since turned out to be Crohns disease and have since been unable to work at all. I was in hospital for days and have narrowly avoided having to have a colostomy bag after emergency surgery. To say its been hellish is putting it mildly.
Unfortunately I haven't worked since, and as such all my debts have defaulted. I'm now with the CCCS and everyone is being paid a fair proportion of what I can afford, and everyone has accepted this except Toothfairy.
Toothfairy have harassed me with up to 20 calls a day. I have had emails accusing me of fraudulently taking out the loan (I didn't) I have been screamed at down the phone and actually verbally abused by their loan sharks / Collection agents, and I have had dozens of identical letters from NDR fall through my letterbox daily. They are also repeatedly threatening to send out Bailiffs, even after I've told them I'm well aware that they aren't able to do so unless they win a CCJ against me. I'm a single parent on my own and even though I know logically they can't do this, it scares the crap out of me that they're threatening to.
I am well aware that what they are doing is illegal. I'm now at the point where I'm telling them to take me to court. I borrowed £300 and they're trying to insist I have to pay back £1800. They've trashed my credit file (the least of my worries to be fair) so to be honest, I'd rather have a CCJ and know that the amount I have to repay is fair than give them a single penny. As it is the CCCS are giving them £5.16 a month and have been since November, so they can hardly have I haven't tried to repay what I owe.
I'm looking for advice on how to report them, and how to get myself out of this mess. I was hospitalised last weekend because the anxiety of dealing with all these calls has left me incredibly anxious, suicidal and depressed. I can't change my phone numbers as my son is in school, so I have no choice but to listen to them calling hour after hour.
I Don't deny that I owe them money, but the most I'm willing to pay is £4-500. Please can someone give me some suggestions of what to do and where to go to report them. They're refusing to compromise at all and the amount they say I owe is growing by the day.
Unfortunately I was struck down soon after with what has since turned out to be Crohns disease and have since been unable to work at all. I was in hospital for days and have narrowly avoided having to have a colostomy bag after emergency surgery. To say its been hellish is putting it mildly.
Unfortunately I haven't worked since, and as such all my debts have defaulted. I'm now with the CCCS and everyone is being paid a fair proportion of what I can afford, and everyone has accepted this except Toothfairy.
Toothfairy have harassed me with up to 20 calls a day. I have had emails accusing me of fraudulently taking out the loan (I didn't) I have been screamed at down the phone and actually verbally abused by their loan sharks / Collection agents, and I have had dozens of identical letters from NDR fall through my letterbox daily. They are also repeatedly threatening to send out Bailiffs, even after I've told them I'm well aware that they aren't able to do so unless they win a CCJ against me. I'm a single parent on my own and even though I know logically they can't do this, it scares the crap out of me that they're threatening to.
I am well aware that what they are doing is illegal. I'm now at the point where I'm telling them to take me to court. I borrowed £300 and they're trying to insist I have to pay back £1800. They've trashed my credit file (the least of my worries to be fair) so to be honest, I'd rather have a CCJ and know that the amount I have to repay is fair than give them a single penny. As it is the CCCS are giving them £5.16 a month and have been since November, so they can hardly have I haven't tried to repay what I owe.
I'm looking for advice on how to report them, and how to get myself out of this mess. I was hospitalised last weekend because the anxiety of dealing with all these calls has left me incredibly anxious, suicidal and depressed. I can't change my phone numbers as my son is in school, so I have no choice but to listen to them calling hour after hour.
I Don't deny that I owe them money, but the most I'm willing to pay is £4-500. Please can someone give me some suggestions of what to do and where to go to report them. They're refusing to compromise at all and the amount they say I owe is growing by the day.
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