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    • The gaming giant is offloading the Venetian in a $6.25bn deal to invest in Singapore and Macao. View the full article
    • ok best shot..   you need to reply to that letter of claim.   for debt covered by the consumer credit act:   send a cca request along with the completed form:   NOTE ONLY USE THE ATTACHED FORM below DO NOT USE THE FORM SUPPLIED BY THE DCA IN THEIR PAP LETTER!! DO NOT USE OR GIVE THEM YOUR EMAIL/PHONE NUMBER. USE ROYAL MAIL 1st class - get free proof of posting from any PO counter   box D tick   I dispute this debt because ..i refer you to our previous communications and my previous respond to your previous Letter of Claim. i am over 50yrs and have deferred as required to meet the age write off.    box I tick   I also require you to supply the following..   All signed agreements Copies All my deferment sent to either yourselves, the SLC or the SAAS to date. Copies of all communications bothways in whatever format to/from Erudio, Capquest, yourselves and Me A copy of the any Default Notices A copy of the Notice of Assignment A complete set of statements detailing exactly how the sum you allege is owed has accrued detailing: All Transactions. Any additional charges, be them by the original creditor or you xxxx the debt purchaser or any predecessor DCA. Details of all contractual interest added by whom and on what date. List of ALL Payments made toward the Agreement   no need to do the financial statement etc anything else or send anything else bar the above do NOT give them your phone nor email PRINT your name never sign the form   staple the £1  PO to the CCA request and send it to the debt purchaser return the completed PAP form below to the solicitors that sent it to you attain free proof of posting for BOTH at any PO counter 1st class mail will do. recorded is a waste of money   reply form PAP.pdf
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    • no you are kidding me...   they can't be that thick surely... could be game over if they've faked it.   can you attach it to a private msg to me please.  
    • The original pdf did bring up txt boxes where my details were, it wasn't as if it was a photocopied document with my details embedded and I do find it awfully convenient it appeared the very next day after the case meeting.   The address was the same as it should have been, but ive only recently moved, this case was already in motion during my move.   Can I then just argue the authenticity of the CCA  at the next meeting? Explain that when put into a editor my personal details and only them pop up as carefully placed text boxes whereas the rest of the form looks photocopied??
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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
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

Lending stream whats the deal with these


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guys, i set up a plan with these and diddnt stick to it as i diddnt agree with the amount of int and charges i would have payed. that was around 2 months ago! not heard a thing since (e-mail or calls)... very worrying!!!

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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?

Cosa Nostra? :p

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Same here, defaulted back in January, made some proposals but they wouldn't accept, heard nothing for 3 months, although the loan was set up over 6 months in total so maybe they are waiting until the last payment was due?

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without having ever dealt with Lending Stream myself I imagine they are toting up all the interest charges until the debt is big enough for them to sell onto a debt collector and still make a profit from the loan.

 

can not imagine they will just forget about people in arrears.

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without having ever dealt with Lending Stream myself I imagine they are toting up all the interestlink3.gif charges until the debt is big enough for them to sell onto a debt collectorlink3.gif and still make a profit from the loan.

 

can not imagine they will just forget about people in arrears.

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

 

this sounds about right.

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WHY Me??

 

I have two payday loans with lending stream and I defaulted at the end of March -yes less than a month ago. Since then I have had a text, two letters -one for each loan and today I got a phone call. I asked them to communicate by email which they agreed to so I am waiting for them to send me one.

 

Have you noticed that lending stream have the same address as pounds2day??

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Have they thorntondog? That's strange because I have both Lending Stream and Pounds Till Payday. I defaulted with both on the same day and Pounds Till Payday have passed to Clarity which have agreed to a payment plan. Haven't heard anything from Lending Stream tho :???:

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No nothing and i have checked the main 2 expirian and equifax??

 

 

Aparently they use these for credit searches :

TeleTrack UK Limited

6th Floor (South Tower)

26 Elmfield Road

Bromley, Kent

BR1 1WA

 

Email : [email protected]

 

Perhaps they record defaults with them as well?

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Pounds2day have the same address not pounds till payday. google pounds2day and see their contact deatils- they have exactly the same address as lending stream even the same door number. I think pounds till payday is different to pounds2day.

 

I have loans with both pounds2day and lending stream.

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I think I may be able to get them for you.

www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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Pounds2day have the same address not pounds till payday. google pounds2day and see their contact deatils- they have exactly the same address as lending stream even the same door number. I think pounds till payday is different to pounds2day.

 

I have loans with both pounds2day and lending stream.

 

Yeah, ur right - 2 different PDL's silly me :roll:

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Very similar though - easy mistake !!

 

Lending stream emailed me today and were really nice, they sent me their bank details to pay by standing order.

 

LENDING STREAM SORT CODE: 20-19-90

LENDING STREAM ACCOUNT NUMBER: 13434028

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  • 1 month later...

I still haven't heard from them in regard to my outstanding loans, its been at least 8 months now, but I do get an email from them every couple of weeks giving me the opportuntity to apply for further lending, how kind of them!!!!

 

Anyone else heard anything?

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