brilliant fkofille, thank you

Hi fkofillee, when I click on the link to that it comes up with Invalid Attachment specified. If you followed a valid link, please notify the administrator

Hi, I have sent the data requests off. I have not heard from them yet. I am going to send the following letter to safetynet credit. do you think it is ok? thanks

thank you for the advice. do you think that I should stop paying them? I am going to really struggle if I do have to. I will start the process of and write the letters today.

hello fkofilee thank you. I have had a read it is helpful. I had two loans with lending stream one in December 2015 for £400, I paid back a total of £762.88 over 175 days. the second one was in march 2016, £400, I paid back £800 over 188 days. I don't think I can do anything about that one because I lied when I applied and said I was working. they have done a credit check when they gave me the money. I have a loan with oakham. I borrowed £200 in November 2017, I have paid back £202.16 and still owe £217. I have had a safety net account since November 2015 and I have borrowed pretty much £500 every month and paid it back with interest. I currently owe them £540, they have put that on hold for 30 days because I told them I cant afford to pay them back. both oakham and safety net have been in my bank statements so they know I am on benefit and have very little income. I do gamble (only on one bingo site) but I honestly only ever break even and I do go for long spells without betting. obviously I am not betting anything at the moment as I have no money and I am in control of my normal bills (rent, gas etc). do you think it is worth me emailing both oakham and safety net to see if they can write some of the money off now, rather than going through the long process? sorry for the long reply thank you tim

hello fkofillee I will have a read of that now. thank you

hello its me, her brother, who has the payday loans. I have a loan with oakham at the moment and I have a safety net account. I am not working, my income is PIP and IS. both oakham and safety net have access to my bank statements so would have known this. I have also borrowed from lending stream a few months ago and paid them back. I lied and said I was working so I don't think I can do anything about that one. is it possible to claim that this is wrong that they have lent to me? thanks tim