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  1. Received an email today from Asset Collections advising that they have initiated a County Court claim against myself for 3 Lending Stream loans in 2014. My 3 loans were: Start Date 18-May-2014 End Date (As per the original agreement) 30-Oct-2014 Loan Amount (including FPS fee if applicable) 140.00 Outstanding Principal Balance 55.01 Total Amount Paid 218.27 Arrears Payable Including Charges 55.01 Start Date 27-Jun-2014 End Date (As per the original agreement) 27-Nov-2014 Loan Amount (including FPS fee if applicable) 220.00 Outstanding Principal Balance 7
  2. Hi I have had an ongoing battle with Lantern (motormile) trying to chase for an alleged Lending Stream Debt. I have provided them with a statement from Lending Stream showing a £0 balance outstanding which they have ignored and i am now receiving threat emails from Wilkin Chapman's "Lantern Team" saying they can't discuss by email due to data protection. I have sent them the same statement i have sent to Lantern and i'm certainly not calling them. Is there a templated response to an email? This is what they sent me "Good morning Thank you for your e-mail, we can
  3. I emailed Oakam about 6 weeks ago regarding my irresponsible lending claim against them. They wrote back a little over a month ago saying they needed four weeks to investigate and to expect a full response within eight weeks. That was 5 weeks ago. This morning I got an email from Lantern Debt Recovery Services Ltd. saying Oakam had sold my loan to them and I was to deal directly with Lantern from now on. What should I do now? Just wait for Oakam to respond or start the whole thing again with Lantern or go to the FOS?
  4. Had a cr@pone card, (Aqua) defaulted around £280, (£200 limit) been paying £1 a month now down to £218. Two months after defaulting on the first Cr@pone card, managed to obtain another from Cr@pone, again £200 limit, defaulted, been paying £1 a month since. Is their any scope in an IRL claim? Or shall I just suck it up and continue payments for the life of the debt? TIA...Boo
  5. Hoping for some help here. I was getting chased for a debt to Lending Stream that I didnt remember getting, however Asset Collections was chasing me so I was speaking to them a few times and the debt was from Several years ago. I agreed to pay it back to get it off my chest, however, on one call, I was told by the advisor that my DOB didnt match the debt therefore the debt was not mine. So I asked to receive original copies of the credit agreements. Next thing I knew, I received a CCJ notice from Laganside Courts and since then I have been in dispute with TM Legal services reg
  6. Well fellow caggers it seams like lending stream are taking no notice of the new GDPR regs I applied for a SAR on 25 May and have just spoken to them to find out where it is as I have no comms from the part from their acknowledgement They have informed me that because it has been sold to Lantern that they need some more time to get the required information. I have informed them that I shall be reporting them to the ICO for failure to comply. Has anyone got the link to the letter I need to send to the ICO I can't seem to find it now
  7. Hi all, I just wondered if anyone had gone up against Amigo Loans in irresponsible lending cases. i have had a few loans from 2015-2017 with various top ups just wondering if i might have a case? just checked what i had 3250 16/05/2012 2250 11/09/2014 4250 03/04/2015 5000 29/04/2016 was in a DMP with payplan during the first two loans started missing payments around 03/09/2015 for a few months as was in financial difficulty
  8. Hi all, I was posting about CCA request which led to unearthing my other accounts and I was advised to start another thread in this forum as I may be able to get my PDL wiped under the irresponsible lending rules. I have the following to my name: EuroCashNet (Quick Quid) £770 Instant Cash Loans (Month End Money/ Payday UK) £300 I have been paying towards these on a DMP and i'm due to make a payment in the next couple of days. Any help would be greatly appreciated. Many thanks in advance.
  9. Hello some may remember my posts before where i have made IRL complaint with several companies as i recover from my gambling addiction, can someone give advice on how to respond to Oakam now? i have attached their response thank you i have referred this to ombudsman but now they are saying " The letter we have sent to you on 6 July 2018 did offer a resolution to your complaint. For clarity, your complaint was upheld. At this time, you have not yet paid back the principle sum you have received so we cannot offer you a refund. However, the interest due on
  10. Hello all, really hoping for some advice on my story, will try keep it short as much as possible! i am going to be brutally honest i developed a gambling addiction about 6 years ago, what started out as fun soon became addictive. one loan turned into another and then payday loans started which were so easy to get ( i know there is responsibility on my side but if you have never been inside a gamblers mind it doesnt work the same way as a normal person when it comes to finding the next " loan " ) i am now taking steps to recover from this as all my family knows in the meantime
  11. LS have defaulted me 0n 02/03/13 and they are refusing to change it I SAR'd LS and in the partial reply I got from them was the termination notice which states the date of 18/10/12 They have refused to alter the date so I have raised it with the FOS and ICO But for info here is what they sent me - We are writing in reference to your recent correspondence. We have reviewed your account and would like to share our findings. You borrowed one loan from Lending Stream; the ownership of which has been transferred to Motor Mile Finance Ltd, due to prolonged missed payments
  12. Dear Forum Members, I used to be in a mess getting by on PD loans and had up to three concurrent ones Thankfully with the help of family members I managed to pay them off. At least I now pay off my debts with no interest ... I recently found out out about your website and decided to make a claim for irresponsible lending. Both QQ and Wonga rejected by claim so I went to the ombudsman. As some of my loans were more than six years old, QQ replied that they will not deal with them. The ombudsman has offered me two options: Continue claiming for all loans which will take mor
  13. hi, could somebody explain the purpose of a termination notice? i have been served a termination notice 14 days after being served a default notice which i believe to be correct. however i have been served another default notice which is dated the same day as the termination notice. also i am still receiving threats of fees and charges and am wondering the point of the termination notice.
  14. Hi Just received my credit file and after getting into a bad financial situation I have a total of 19 defaults on my credit file!, 11 are due to drop of this year and 3 next year the rest are around 2022, for the latter do you think my credit file will improve If I pay them of so they are marked as satisfied? or should I just wait, none of them are chasing me for payment at the minute Just edited to add one is for a mobile phone debt that I was paying for 2 years at £35 per month, it says I owe £550.00 now
  15. Lantern DRS Limited (Formerly MMF) Date of issue – 11 JUN 2018. Date of issue 11 + 19 days ( 5 day for service + 14 days to acknowledge) = 29 Jun 2018 + 14 days to submit defence = 13 Jul 2018 (33 days in total) Particulars of Claim What is the claim for – the reason they have issued the claim? 1.the defendant owes the claimant £550.00 under a regulated loan agreement with cfo lending ltd dated 02/08/2013 which was assigned to the claimant on 25/08/2017 and notice of which was given to the defendant on the 25/08/2017 (debt). 2.despite the formal depend for
  16. "Rent-to-own" shops that sell appliances and furniture for small weekly payments but with a high interest rate face a price cap. However, the financial regulator will not rush to impose the same restrictions on bank overdrafts. The Financial Conduct Authority (FCA) has spent nearly two years looking at the cost of high interest borrowing. It has now outlined a package of plans for rent-to-own, doorstep lending and catalogue shopping. High-cost credit is used by three million people in the UK. Single-parents aged 18 to 34 are three times more likely to have a high-cost
  17. Hi there I wanted to make a complaint about loans issued to me by Minicredit back in 2012 (ish). I know they have been wound up but when I went to Opus/ Kapama they said they have no record of them? I have read on here though that they are all the same company so I am confused.com. Is there any point in going to the FOS if they claim to have no record or is this a known avoidance tactic? Also does anyone know who was the appointed Administrator for the MC wind up / dissolution as I thought I could possibly trace it through them but I am struggling to find this i
  18. Hi all. I had a loan with Mr Lender. I emailed today regarding a claim for irresponsible lending as I have issues with problem gambling. I have stopped gambling and taking it one day at a time. I had a reply within the hour. They said they carried out proper checks and I had no defaults or problems in the last three years. I already had two loans open with sunny and one with money boat. My credit card was over its limit and I was overdrawn. They stated that the installments that are due are never over 12 per cent of disposable income. But the next se
  19. All, Continuing on with my IR claims, I had a reply from Peachy who admitted they never carried out credit checks as there was no requirement! The question I have is because its so old and has dropped from my file and is statute barred, is it worth continuing? I still get the odd threatening email from MMF. Here is their 'full and final reply' Dear, We are writing to you in response to your complaint we received on 21/01/2018. We have investigated your complaint competently, diligently and impartially. We have assessed the subject matter of the comp
  20. Hi you lovely helpful people, I have just found out that my brother has a loan with Safetynet credit. He owes nearly £600 and is at breaking point because the interest is increasing faster than he can pay it back. He has been using them for well over a year and has borrowed and paid back thousands. I am pretty sure that it could be classed as irresponsible lending because he is not working and is claiming benefits instead. Safetynet know this because apparently they log into his online banking! Is it worth him complaining and trying to work out a deal to pay back over a
  21. I received a simple procedure notice of claim recently and I'm unsure of what to do. This was from a few addresses ago. I'm unemployed, recently had a baby and suffering from postnatal depression. My brain is a bit 'fuzzy' at the moment and I find it hard to take things in and concentrate. What do I Do?
  22. Hi, Since September last year, I have been pursing claims against a total of 17 Payday Loan providers whom I had taken various loans from during the period 2010 to 2014. Of the 17 providers, 6 have settled directly with me and I have currently have 9 claims lodged with the FOS. The FOS have stated that they are currently trying to decide whether they are able to consider loans taken out more than 6 years before the start of an irresponsible lending claim, and cannot provide any timescales for the resolution of the issue. Does anyone have any guidance on a likely timescale f
  23. Hi, I'm new to this forum and was wondering if anyone has successfully claimed a refund for irresponsible lending, even if it was over 6 years previous? I've e-mailed a complaint to Wonga as I was taking out a loan month after month from May 2010 - June 2013. The majority of loans I had taken out were on the same day as the previous loan was repaid - usually in the region of £500. I made a spreadsheet with dates my loans were taken out, credit amount, amount repaid, total in interest/fees and dates I repaid them. There were 3 occasions I had to set up a payment plan and the day
  24. Help please. I have defended a claim from Moriarty Law acting on behalf of Motormile Finance (MMF) received late last year. They say this is for a fixed sum loan with Lending stream. I wont go into all of the details so far, just want advice what to do next? I did all the usual requested CCA, did not receive, failed mediation and was passed to my local county court. My local court sent a form last month ordering The claimant shall by 2/3/18 file and serve upon defendant in compliance with sect 76 & 79 0f 1974 CCA all relevant info & documents. In default, th
  25. Hi, We have a PDL which is not really affordable. We had to borrow £500 due to unexpected bills etc and not enough money for food etc at Christmas so we took out this loan. I know they charge extortionate interest rates which is fair enough but as we borrowed so much we had to have a longer repayment period (6 months) and in total we will be repaying over £1000!! We are really struggling to repay this and yes we did know at the time and yes we did tick the box to say it is affordable but it means we are in the situation where we have run out of food and not enough money to
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