Just a quick note to thank you for the advice provided. I've ended up clearing the debt with the help from family. I'll look into the affordable lending route with LS as a separate matter.

Ah ok, Thank you.

Hi Andy, Would i need to get the information collected and file the claim with LS, then attempt to get it set a side? or wold this have no bearing with getting it set a side? Sorry for all the questions, I'm struggling to piece it all together.

I wasn't aware this may be an option, I'm just looking at it now. Back in 2013 LS gave me 3 loans in the space of roughly 9 days all running concurrently, totalling roughly £1200. It was shortly after this that i defaulted and couldn't keep up the payments (monthly payments jumped from £42 to £198). This was at the same time running with Wonga (who have since written off my debt as un-affordable) and a couple of others. I'm going to go back over all my old emails and agreements and try to put together a greater picture. Would i need to inform the debt purchaser of my intentions? (I've never had a CCJ before, still not 100% sure what the next steps should be) Thank you for your time and advice, it is greatly appreciated.

I appreciate this, At the time of the move, I didn't inform LS as i had not been in contact with them for over 2 years. Back then I had buried my head in the sand about the PDL's. One of my key concerns with the amount being claimed is its over 3x the default amount registered on my credit file, are they able to apply interest that would have been due, but was stopped by the original creditor? I say this as my credit file reflects £525 not £1700?

At this point in time I had not heard of AC & L, my first and only email from them was on the 5th October 2016

Thank you I'll take a look at that. Yes, I moved in April 2016 (updated everything including electoral role), loans were issued around March 2013.

Hi CAG, I received an email this morning from Asset Collections & Investigations saying "Goodbye" and that i now needed to deal with TM Legal Services with regards to my outstanding CCJ. this is news to me, checked my credit file and no CCJ's are showing as of 5/1/17. Quick check with TrustOnline and low and behold i have a CCJ registered for over £1700 on 04/01/17! Now back in 2013 I had 3/4 recurring loans with Lending Stream (plus several with MiniCredit, Wonga, Mr Lender, Payday UK, 1st Stop and The Money Shop... i think thats it) which i was keeping up with payments, until it just became too much. I stopped paying and offered payment plans to a number of the providers. Mr Lender and Lending Stream were the only 2 to refuse my payment offer. Now at this point i just cut off contact and heard nothing. I've had a few emails from LS saying they sold my debt, then a few days later another email saying actually that was a mistake and they hadn't (last one i received was they sold it to 1st Stop Recoveries on 09/03/2016, then another email saying they hadn't on the 17/03/2016). Checking my emails i can see that Asset Collections emailed me back in October saying they intended to file for a court claim. I'm at a total loss here as to what to do. The debt in itself is £1700, looking at my credit file the 3 LS loans totalled £525 at time of closure. Do i have any leg to stand on with the court? Any advice would be greatly appreciated!

Hi, I've been looking over the forum and though it may be worth asking some advice here. I'm currently trying to resolve my debts and clear my credit file, I know i have outstanding PDL's with a couple of companies from back in 2013 when i was in a particularly bad place. A couple of the companies have since written the debt off, but a few still remain with the likes of MMF. Upon reviewing my file today i found a default for the tidy sum of £22 with MMF, I (stupidly) contacted them about resolving this debt. They then proceeded to list off 6 accounts totalling cira £1500 in monies owed 5 to swift sterling and 1 to Mr Lender. None of which were for the £22 listed on my credit file and i need to contact their Credit File Queries team. I would be willing to settle these if they were remotely close to the original agreement or the value of the offer i made that SS rejected, but there is about £800/900 of interest/charges here. I'm quite concerned now that they are going to add an additional 6 defaults to my file, destroying everything i have done for the past 3 years to build it back up. I have seen from past posts that people have written directly to Swift Sterling to resolve / bring back dept from MMF. is this an option? Any advice would be greatly appreciated.