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    • Will do   dont understand  “f there's little or nothing to do with the debt or CCJ, that in itself is important.” Narrative mentioned 6 x payments of £100  for payment plan but not £2.5k. many thanks in advance
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    • read the letter in post 23 here  Payplan - Cover My Life & Cover My Payments - Debt Management Plan Companies - Consumer Action Group it explains how the 3/6yrs works straight from the ombudsman's mouth.    
    • Hi, Everyone was so helpful with my last issue I am hoping for a bit more advice.   About three years ago I had a regular window cleaner company but they starting playing around. Firstly by randomly turning up to do the windows earlier than expected then one time they opted to come round and climb over my fence to do the back windows whilst I was out.  Then the fun started as they claimed to have cleaned the windows on two separate occasions but it was apparent they hadn't (the birds mess on the kitchen window was the clue) and they tried to bill me for the clean.   After two occasions of not cleaning the windows I stopped the direct debit system they used (go cardless) as I refused to pay for something they hadn't done. Queue the various demands for payment which I ignored. They sent letters in the post asking for £60 and a year ago said if I didn't pay they'd send me to the debt collection agency.    Today, I get a letter from elite debt collection in Sunderland asking for £72 for the window cleaning company as they are now acting for them with the popular if I don't pay in 7 days it's off to court threat.   Firstly,  as there was no signed agreement in place with the window cleaner firm can the debt collector add a fee to the alleged debt? Secondly, can they just rush off to money claim and take me to small claims without a letter before action?   I'm quite happy to defend if they did as they didn't clean my windows no matter what random invoice they may have on their systems.   Thank you  
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
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Lending stream whats the deal with these


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Due to default at the end of the month

anyone had any dealings with these what they like for payment plans?

do they harrass you?

 

I have a loan of £220 over there wierd 6 month plan.

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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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Payday Express are complete idiots. Even though I have repeatedly insisted that they don't call me, they still do.

 

Lending Stream have sent me letters but never call or respond to e-mails.

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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.

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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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