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paulhn757

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About paulhn757

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  1. I've now started to get phone calls as well as texts (which i cant block), is it ok to keep ignoring them or do i write to them telling them to go away? Thanks in advance
  2. Hello again. I have recieved a text and emails from crs debt collectors, and also had acknowledgement and reference no. from the ombudsman of my original complaint.
  3. Received the following emails today. Continue to ignore or go back to them now twlling them about the complaint and how they have completely ignored my requests for assistance again? We’ve tried many times to collect the outstanding balance on your loan, and to contact you to discuss an alternative, affordable, payment arrangement. In 7 days from the date of this email, we will assign your account to CRS, a debt collection agency. It’s important that you call us today on 0203 808 4440* to discuss an affordable payment arrangement, we are ready to help. Default sum: £843.49 Loan ID number: xxxxxxx We will transfer your account to: Agency: CRS Registration number: 04690879 Consumer credit licence number: 0536459 authorized and regulated by the Financial Conduct Authority Address: Rosemount House, Rosemount Estate, Huddersfield Road, Elland, West Yorkshire, HX5 0EE Phone: 01422 324 525 If you need free and impartial debt advice, you can also contact the Money Advice Service on 0300 500 5000* or at http://moneyadviceservice.org.uk. Please contact us at https://www.lendingstream.co.uk/contactus/ or on 0203 808 4440* if you have any questions. Thanks, Lending Stream Customer Service *Call charges apply. Standard charges from BT landlines, mobiles and other providers may vary. This email was sent by GAIN Credit LLC (trading as Lending Stream) | Contact Address: Lending Stream, Wisteria Grange Barn, Pikes End, Pinner, London, United Kingdom, HA5 2EX | Registered Address: 251 Little Falls Drive, Wilmington, DE 19808, USA | Registered in the State of Delaware, USA | Registration Number: 4124111 | Authorised and Regulated by the Financial Conduct Authority. Registration Number 689378. Delete Move to Forward
  4. Thanks. What do you think the next step will be, are they likely to carry on trying or just sell it off to a debt collector?
  5. Latest update yesterday they emailed me with termination notices, which I've copied below. I still have had no contact with them about my original complaint, I have also sent them an irresponsible lending complaint 3 weeks ago but again that has not even been acknowledged. Should I just sit tight for a bit longer or try to escalate things further, and with who? RE: Agreement Number XXXXXXX re refer to the Default Notice which we issued on 4-Jul-2020 in connection with the above Agreement. We note that the period during which you could remedy the Default has expired on 23-Jul-2020, and that we still have not received the Outstanding Payments in arrears. In the circumstances, we confirm that we have terminated your Agreement and that the amount you owe us is as follows: Outstanding Amount in arrears is £843.49 Details of Payments to be debited:-a. Loan Amount (excess to Outstanding Payments in arrears): £431.49b. Interest (excess to Outstanding Payments in arrears) : £397.00Total Outstanding Payments : £843.49 Also, the interest on the Outstanding Loan Amount will continue to accrue until the Total Outstanding Payments are paid. Hence, we request you to kindly pay the Total Outstanding Payments as soon as possible. You should be aware that we may take you to court and get a judgement against you requiring you to pay us the money you owe us under the Agreement, you may have to pay us both the amount of the judgement and interest under the Agreement on all the sums owed by you at the date of the judgement until you have paid these in full. This means that even if you pay off the whole amount of the judgement, you may still have a further sum to pay. If you do not settle the balance on your account we may transfer the responsibility for recovery of the debt to one of our debt recovery agents with a view to taking action for recovery. IF YOU HAVE DIFFICULTY IN PAYING ANY SUM UNDER THE AGREEMENT OR TAKING ANY OTHER ACTION REQUIRED BY THIS NOTICE, YOU CAN APPLYTO THE COURT WHICH MAY MAKE AN ORDER ALLOWING YOU MORE TIME.IF YOU ARE NOT SURE WHAT TO DO YOU SHOULD GET HELP AS SOON AS POSSIBLE. FOR EXAMPLE, YOU SHOULD CONTACT A SOLICITOR, YOUR LOCALTRADING STANDARDS DEPARTMENT OR YOUR NEAREST CITIZENS' ADVICE BUREAU. Please contact Lending Stream on 0203 808 4440* or at the above address if you wish to discuss this matter further. Regards, Customer Care Team Lending Stream *Call charges apply. Standard charges from BT landlines, mobiles and other providers may vary.
  6. Since the last post on this thread I have sent a complaint to the FOS but have not heard anything from them as yet either, I'm guessing they're rather snowed under and on reduced staff so no real surprise. Still had nothing approaching help from lending stream but today they emailed me default notices for the loans, again demanding I phone them and pay up in full or they will begin court proceedings. Any advice as to how I should proceed please?
  7. Administrators called in on June 29th. Shame (not).
  8. Could I just ask when negotioating a payment plan/settlement with a creditor and they ask fo an I/E form, is this something I would be obliged to supply them with or could I just tell them I'm not prepared to give them that information? Thanks
  9. I've just noticed on Sunny website that they are not currently accepting new loan applications. Given the amount of people that are likely to be falling behind on repayments due to the pandemic could this be the beginning of the end for another one?
  10. today has been 8 weeks since I first wrote to them, and still I have had no reply other than a few more threatening standard emails. I really don't want to phone them but if they won't acknowledge any written communication then we are stuck. Is it now worth complaining to the FOS or FCA? Thanks
  11. Hello again. So things have moved on slightly now. I tried calling but couldn't get through, I can't sit on hold indefinitely. I wrote to them (recorded delivery) nearly two weeks ago but still haven't heard anything back, yet they still keep sending threatening emails. Shoud I now esalate a complaint with the financial ombudsman or FCA? Obviously I want to avoid any further damage to my credit record but it does seem that they are completeley ingnoring me? Thanks
  12. Thanks Believe it or not they actually emailed me back finally yesterday Not very helpful, tried to pressure me into paying half of the outstanding payment and offered to only stop charges/interest if I did. Oh well can't give them what I haven't got
  13. Hello, I am looking for a bit of advice regarding loans I have with lending stream. I've not had any problems paying until a few weeks ago I was laid off work on hugely reduced pay due to the virus. I wrote to ls to explain the situation, asking them to place the accounts on hold until I was back at work full time hopefully in a couple of months. I got an acknowledgement back saying they would be back in touch within a week but I have heard nothing. I have also emailed them through the help page on their website but have not had any replies. I know they have received the emails as I get an automated reply with a 'ticket no.' again saying they will respond within 7 days, but nothing back. All I do get from them are emails telling me I am behind on my payments, they are damaging my credit score and I need to call them. It's obvious they are also adding further charges while this is going on. How should I proceed? I wanted to keep everything in writing but should I give in and call them? Thanks in advance for any help.
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