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zelig33

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About zelig33

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  1. Then I guess I fall into the 1/5 that they couldn't be bothered with
  2. The FOS are a bunch of jokers and wont do anything about PDL's -
  3. Many many thanks both for your responses ...I feel a little better Zelig
  4. Hi I am just in a DMP at present and had EPDL emailing me to see why I havent paid my contractual payment. I emailed them back and gave contact info from my DPM people and staright away they emailed me with the following: "As a first loan your account will be sent for immediate doorstep collection!!" I have deffered the payments in the past 3 times each time paying quite a hefty 97.00 per month I just thought they might have been a littl more understanding??? Any help appreciated Thanks Zelig
  5. Hi I wrote a letter to their address - do not call them !!
  6. Sadly I became a victim of Payday loans when I lost my job ...it was the only way I could make ends meet - at one stage I had 4 Payday loans with various companies and I defaulted on all 4 - I think I took out around 400.00 and would have had to payback around 1200.00 until I contacted Citizens Advice who made arrangements with all 4 to pay back minumum of 50.00 a month. 1 company agreed on a final settlement of 80.00 for a debt of 180.00! but am still paying back the others (from a seperate back account to my current one) - Hard lesson to learn but I would advise everyone never to take these loans out if you can. I beleive one of the companies APR was 2500% !! - Nice lot arent they?? Incidentally regarding my original post Lending Stream have never accepted they were in the wrong and actually dont answer my emails or phone calls now !! tripinit - Hope everything works out for you..
  7. Sorry for the delay- been away - I wouldnt let them have any access to your Bank Card at all - this is where I went wrong- ask them to accept cheque or PO - the more access they have to your details the easier it is for them to take money - they are a pretty unscrupulous bunch !! Zelig33
  8. Sillygirl/Jamie thanks both for your advice - I have just had the Collection Dept call me and say they have listened to my original call and nowhere did I mention my new bank details only my card details - this is why they sent the payment to the other bank as this was the only bank details they held? - even though they took a payment from my new account 4th October? I have "composed" a letter to their Complaints dept - but as I am very short cashwise - I will have to find out if my job is in jeopary as petrol costs are going to eat into my housekeeping?? Thanks Again Zelig33
  9. Jamie - strangely enough they did send me the money back .....but to an old account of mine with A/L - Santander which is in dispute with FSA and is already overdrawn - so they made me slightly less overdrawn now? - Santander say they cannot send the money back? and Lending Stream say they cannot take it as i never gave them my new details (bank account-sort code) even though they took the money originally from the card attached to the account.? Any ideas? Ta Zelig33
  10. Appreciate your reply Jamie - but they took money because I gave them my card details to pay off my debts - but they took it 2 weeks earlier than they should have done? and guess what? - they did reverse and pay me back - unfortunately to my old bank account which is no longer in existance !! - guess another phone call on Monday from me then !!!
  11. Hi - havent been here for a while although still struggling !! I wonder if anyone can help with an issue I have with Lending Stream I recently changed my bank details and for some reason this info was delayed getting to Lending Stream and consequently resulted in me missing a payment of 85.40 + 12.00 fees - they called me and I setup a payment plan - giving them all my new details - I was asked if I could meke the missed paymen first and told them it would leave me a bit short - hence the above payment plan was put in place to start 30 th October (my payday) - I logged in to my bank account the next day only to find a payment of the said ammount 97.40 was taken? - I called them as RBS couldnt reverse the payment (another long story?) an agent from Lending Stream then said I will send an email to their manager as she admitted in not suppressing their automated system after setting up the payment plan and told me the money would be reversed and in my account by COB today - I checked and its not? Any ideas where I should take this now? All ideas most appreciated - thanks Zelig33
  12. I just recieved a letter from Alliance and Leicester in response to a written query regarding bank charges I sent them almost 3 months ago? They say "We are satisfied that the bank charges you seek to reclaim were properly charged and the outcome of the legal proceedings confirms our position. We are therefore not upholding your complaint and we will not be refunding the bank charges you have complained about " Incidentally I never started any pocedures just a query and a complain regarding the charges! Any ideas where to go next?
  13. Many thanks for your advice surprise I will get the ball rolling Ta Zelig
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