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    • Hi DX   That is the only info letter I have we can't locate the first letter or original parking fine notification My wife said there wasn't  anything on the car windscreen. Do I ask the DC for the original notification ?   what shall I do just wait until they pursue through court ?   apologies for lack of info  Cancookwill
    • Hello, I've been following this thread and have some experience to share... Stand by for lots of words.   About 6 weeks ago, the engine seized on my car - 10 days before planning to use it for our 2 week trip around the UK!  I searched the internet for companies who could replace/rebuild the engine and get it back to me in time... One company that came up was 169 UK. I called the number and explained my predicament and the chap on the phone (who called himself Lee - I'm not convinced this was his real name) promised that if the vehicle got to him the next day or so, he'd have it done in time for our holiday!. He gave all kinds of reassurances about the types of vehicles they work on, from Porsches etc, even people from Spain taking their cars to him.. All work came through 3rd party websites (how i'd found them too) so you generally wont find reviews.    I was weary going into this, but you got to put your faith somewhere, right? so off it went on a trailer to Essex. NOW... I'd already asked where it would be going and I also tracked it by leaving a mobile phone hidden in the car. Interestingly, the place i was told i'd be collecting it from was not the same place the recovery guy (called Patrick?) told me he was delivering it to..    Anyway, they get the car and straight away tell me that the sump is full of diesel and that my ECU is faulty and its locked open one bank of injectors - causing the failure. All of this is feasible, but it meant that the car would not be ready in time for my holiday  He also tells me the DPF's (i'm sure it only has one, but he referred to there being more) were also completely blocked solid and needed to be dealt with (in this case, drilled and mapped out - which is also illegal) All of these little extras have now taken the cost from £3500 to nearly £5000  - as he was " putting together a special package for me" I tell him ok, i'm now away for 2 weeks so you have a little more time, i'll collect it when i get back.  I call him on the Friday before we travel home, asking how its going... he says "well, we aven't done it.. you said you were gonna be away for 2 weeks" apparently he marked to dairy wrong. So i call him again on the Monday following, I say I want to collect it that Thursday... not unreasonable. He then starts with the excuses that he has loads of guys off sick at the moment etc.. BUT, The car IS in the workshop and the boys ARE getting on with it. I say, OK.. but keep me updated daily as i need to make arrangements to come and get it. Tuesday passes without a word, so Wednesday morning i txt him asking for an update. He called me back around and hour later to tell me that the ECU they sourced for me is also faulty (they tested it before fitting it as they're nice like that) and it has water damage so he has to get another one, but that isn't going to get to him until the following Tuesday - which brings us up to this week.   Everything up until this point has been feasible if not a little annoying, BUT here is where is gets good...  On Sunday i happened to be in Essex on other business so decided to swing by Basildon and see if i could find my car. Knowing where it had been dropped off before the tracking phone died, i had a good idea where to look. And i also had the address of the garage where i'd be picking it up from. Hoping to not find it too easily - after all, it was being worked on on the Monday; Imagine my surprise to find it in the exact location it had been dropped off 4 weeks previously!  I lifted the bonnet - nothing had been touched.  The amount of dust on the bodywork and distinct lack of any hand prints etc strongly indicated that nothing had been touched and it certainly hadn't been moved in all that time. He may well have taken the ECU out to test but put it back, that's easy to do - but there is now way to tell from there that the DPF is blocked without removing it, or having full access to the ECU - which is faulty, remember?  It had all been LIES.  Now i am annoyed, but informed and he doesn't know that i know he's been lying to me.  I spent the next couple of days talking to various people i know and arranged my own recovery to get the car back - even if that meant effectively stealing it back. Long story short, i had it collected and got it back to me last night.  The guy who collected it went to the garage i'd been told i'd be collecting it from - Unit 28 Noble Square( Essex car and Commercial) and asked for Lee... Low and behold no-one by that name works there and the car (and others parked in the same place) were nothing to do with them! but then one guy did say "oh hang on, i think i know who you mean, let me give him a call"... 10 minutes later, 'Lee' showed up.  My man then had to endure conversation with this charlatan, but did glean some information that might be of interest.  "LEE" doesn't directly do any of this work... he takes on jobs, maybe up to 30 at a time and then farms them out to local garages. This explains why nothing had been done and why so many others get stuck in this net.   I was surprised that he was calm and didn't get the hump about me taking the car back, i still don't really understand what the scam is, but there definitely is one.  I think i've been very lucky that no money has been paid, i owe him nothing and i got out of there.  The amount of mental anguish and anxiety this has caused me has been extreme.  Now i'm back to square one, still with a broken car. But i'm only £500 out of pocket (for the recovery each way) and not £5k that it was supposedly going to cost... at some point, who knows when!     
    • Good luck from me as well Dixon, fingers crossed.    HB
    • Last time, the Judge provided me with, I would say, the most amount of time to speak. She started with HMRC, and they moved on to me. Essentially, since HMRC last responded to me (the original document I scribbled notes on), I feel it's right I should go first and just comment on each of their responses.   I'll leave sending that link to them, just in case HMRC then find something against it. I'll just bring it up, and mention the above quotes.
    • It's fine. Someone who deals with this more often than me will know.   HB
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Lending stream whats the deal with these


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  • 3 weeks later...

Does anyone have any dealing with these two.

Lending stream defaulted about 2 months ago and heard nothing at all, is that normal.

Payday express defaulted about 2 months ago as well. Had calls on me mobile and a text saying they will send one of there door to door collectors round, oh and they recently sent me a default notice.

I am waiting for these to be passed to dca’s as previous attempts to come to payment plans didn’t work as they said what I could afford was not enough.

So does anyone know how these companies operate and what dca’s they use?

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my advice: payday express will come to an agreement, you can pay by standing order and i believe if you do it over 12 months they will probably accept. lending stream , same thing.

 

no offence, but if you owe them money they are obviously going to call you... what do you expect them to do? seriously, call them or email them say you dont have a card and can pay direct and come to an arrangement, then they'll stop calling you.

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no offence, but if you owe them money they are obviously going to call you... what do you expect them to do? seriously, call them or email them say you dont have a card and can pay direct and come to an arrangement, then they'll stop calling you.

 

I have spoken to national debt line who have confirmed that I can insist they deal with me only by e-mail. Being called 12 times a day by them constitutes harrasment. I have been advised to report them to the OFT and trading standards if it continues.

 

I have been in regular contact with them by e-mail but the call centre still rings me every day.

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they would only call you once a day if you answered (speaking from experience) put the boxing gloves down coz you can insist all you want, these bunch of crooks run on rules of their own (at least for now) ... just my advice to you.

 

Advice from the National Debt Line (that I'm more inclined to take, seeing as I don't know you from Adam) is never speak to these people by phone.

 

To be honest, it's only pay day express who are being this cheeky. All the others have been very reasonable and are happy to deal with me in any way I see fit. Apart from Quick Quid though. They are psychos.

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lol (quick quid are psycos), national debt line - in my opinion an abolsute waste of time and whoever's paying them money, us on CAG know how to deal with almost every lender and can give and offer free advice to anyone who needs it. What i did was discuss on the phone and confirm everything after the call in writing - they stopped calling after that, your choice, good luck however you proceed.

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  • 2 weeks later...

Whenever they call send an email confirming caller name, time and the fact that you have requested everything in email, and keep the evidence in case they go to court.

 

I have seen one lot of particulars of claim stating the payday loan company had called to make an arrangement to pay but nothing happened, and when the evidence to the contrary was presented as part of the defence they caved in. On this occasion they had called three times a day on landline, twice on work phone and three times on mobile, each time the same email was sent, requesting they set up a payment plan of xxx on xxx date (to pay the loan back over 3 months) and no telephone calls...

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  • 2 months later...

Hi all,

A question for anyone who has had dealings with lending stream.

I defaulted with them about 7-8 months ago and have been waiting for them to make contact (buying time really) before I sort them out, but I have not heard I dickey bird from them?

Is this normal it’s like the debt has just disappeared the online account I have with them has been closed and there is no trace of them on my credit file?

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No i had so many payday loans at the time i just let them call me as i didnt make the decision to default till the day before it happend, so i didnt have the time really.

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Interesting.. I must admit that when I've contacted them in the past they've been very slack in responding. Perhaps you've got away with it?

 

I recently defaulted with PDUK and my credit file was updated within a couple of weeks - not to reflect the default, but just to indicate the amount outstanding on my repayment plan.

 

Lending Stream's website simply says that they pass on information to credit bureaus so other lenders can see that you're repaid on time...

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  • 3 weeks later...

Hi there - i was just wondering whether you've heard anything from LS yet? I defaulted on the 1st - sent them an email to advise and I've had one text on the 1st - but other than that i've not heard anything at all.

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Dulwich,

 

I forgot to mention I received one letter about a month or two after defaulting saying

"We are disappointed you have not made payment please contact us to make payment asap"

That was it still have not heard a thing my finances are improving now so I am thinking of making contact soon ish, but I don’t want to look a gift horse in the mouth if you know what I mean!

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I defaulted with them at least 7 months ago too and not heard a dicky bird either! Must say it is rather bizarre!!!

----------------------------

I do agree I do hope this is not there ( l.s) plan to leave people for ages and them add on extreme interest and charges

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I defaulted with them end of January and have had a couple of emails from them after I asked about a payment plan. They sent me their bank details but refused to freeze interest/charges. I said I would not start paying them off until they agreed to freeze everything. Haven't heard anything else since February though. Does anyone know which DCA they use?

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The funny thing is i can't for the life of me find anything about them online or any other forums so i am compleatly in the dark.

 

You guys managed to find anything?

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