I have made a complaint to lending stream about irresponsible lending "I am making a complaint to you about irresponsible lending. To help me explain the details, I would like a list of my loans, showing when they were taken out and how much was repaid when. Please note I am only asking for details of my loans, I am not making a Subject Access Request." They replied "We see that you are requesting to investigate your concern regarding the affordability analysis and credit checks conducted when the loans were approved. We would like to inform you that such nature of query falls under the purview of Subject Access Request (SAR). Therefore, in order for us to provide you with the information, we would request you to send us a written letter addressed to Lending Stream with a £10.00 cheque (in favour of Lending Stream LLC) as per the SAR requirements under the Data Protection Act 1998. To ensure that you understand and agree to the terms and conditions of your loans agreement which was initially sent to your registered email address at the time of borrowing, we would request you to refer to our emails for all the information shared by Lending Stream with regards to your loan accounts. Upon receipt of the request, we will be able to share the information within 40 calendar days post the realisation of the cheque. As a regulated organization under the FCA, we make sure that we treat our customers fairly and provide the appropriate resolution." I don't really understand why they want a £10 cheque from me and what any of this really means. Anyone that may be able to explain this to me would be much appreciated thanks.

I thought it may be possible to get all interest and charges back. Also there is no outstanding balance

Hi, I had various loans from wonga in 2011 date - 11/07/2011 amount - £135 interest+fees - £29 date - 03/08/2011 amount - £280 interest+fees - £60 date - 29/08/2011 amount - £523 interest+fees - £172 date - 30/09/2011 amount - £660 interest+fees - £189 date - 28/10/2011 amount - £780 interest+fees - £223 date - 30/11/2011 amount - £973 interest+fees - £179 I made a complaint of irresponsible lending as i regularly was unable to pay bills etc. they have offered me £159.91 plus 8% interest which totals £222.58. Should i take this further to the fos or should i accept the money and forget about it. Just wondered if anyone has similar previous experiences or if anyone has any ideas if it would be beneficial going to the fos. thank you

Right, i'm thinking about getting a loan with one of Andrew harts companies, then default (going through all the correct procedures) and letting him add his ridiculous charges etc on and seeing how far it will go (hopefully end up in court). Reason being i'm doing a degree in media at the moment and think this could be a really good subject to do a (low budget) Morgan Spurlock style video on. I've got some really good editing ideas for this and from every email/letter/text i get will be recorded on film and once it is all finally over the video will be released (free online) giving Andrew Hart the well deserved recognition as a (Edit) he needs. I will state throughout that i fully intend to pay back the original loan plus interest and fair default charges. i was actually stung by some companies before (wonga and payday uk which is now all sorted) which is how i came across this site and heard about andrew hart and although i have been doing some research on these companies and andrew harts companies im no expert. What im really asking is what people think of the idea? is it wrong lawfully or otherwise to purposely take the loan out with the intention to default? what do you think the chances of me actually losing the case in court and having to pay back silly amounts of £££ is? Am i legally allowed to release a video that incriminates a person or company?(although i would anyway)if it went as far as court i guess there'd be no chance of me getting a camera in there? and really just anybodies thought,opinions or advice on the idea would be great.

is pde andrew hart?

they will add a £20 default charge but that will be it as long as you tell them your situation via email on the day you go into arrears, do remember though they will attempt to take the amount from your account on the day it is due and if its not all there they will try for random amounts and get as much as they can.. you need to get to your money before they do (best way is to open a new account and have it paid in to that). Once your money is secure email them. Tell them what you can afford to pay back each month (Do not negotiate) and you should have a repayment plan set up within 24 hours really. They are pretty easy to deal with you are lucky its wonga and not wageday advance etc. hope this helps.

Bank name: HSBC Bank Sort code: 40-06-09 Account no: 21544926 dont know if jus sending them money without them giving you a ref to use is a good idea though

hi, i just wanted to know if anyone has a good email address to use for payday uk to start a repayment plan? and if anyone has dealt with them before what are they like to deal with??