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    • BTW, the reply I got to an SAR shows they got my keeper details from DVLA via ZatDVLA and apparently their footage shows the vehicle being stationary for 38 seconds.   Time for sleep.   Thanks again.
    • Morning all,   the pdf in my previous post is an error. Could soemeone delete it please as I don't seem to be able to myself. Thank you.   Correct files are below. Had to be 2 as file size limit would be exceeded.   What a night, got myself in a right muddle switching between file formats to ensure security. To cap it all it's my birthday today.   Thank you in anticipation final multi.pdf Second two page file elms 1 and 2.pdf
    • This is a draft of my WS   By no means final   Negatives:   doesnt follow smoothly    long winded   not much referene to cases except Beavis     I have tried to attach appendied but failed miserably, but I may not need them   The appendix are essentially:    IPC COP example of a contract between landowner and a PPC   IPC COP re entrance signages   IPC COD re sanctions on members who dont comply   JPEG of the erected signage showing that its back is to the entrance of the car park hence not in immediate view   JPEG of a receipt from 16.1.2021 ( yesterday) proving I went there and had a look at the signages     Not really sure if the appendices will make much difference en my defence   Please make any constructive comments etc..   I will have a look at the many links  FTM Dave kindly provided. I havent in detail because bene typing for the last 7 hours      Anyhow Thanks All             WS redacted-merged.pdf
    • Thanks DX 100   haha i totally  agree with your comment about the page 20    Yes I am awake and been all night w my WS   BUT can I point this very very very impt point please, which I am not sure if it has come to your attention   1. The payment machine and 6 hours and the free parking after 4.30 pm on a Saturday etc....all taken on board.   HOWEVER, and I cant stop myself laughing, this pay machine  he eludes to is based at The Market Shopping Centre Car park , after googling it is in CREWE.  It is not even relevant. They have put in a signage that is not even at the Merry Hill Centre which is in the West Midlands.    The Merry Hill Centre is the one I went to in Dudley, west midlands. All the signages , apart from the one you elude to have the intu Merry Hill logo     The one you refer to is in Crewe. I have never been to Crewe in my life lol so that signage is totally irrelevant    we can play this either way:   1. can take up your line of argument regarding the 6 hours etc. and pretned we are also using the pay machine    OR     2. totally dismiss it as being irrelevant, misleading , wasting the time of everyone by providing irrelevant info. Thats what I have argued in my WS so far. That signage does not belong to inTu Merry Hill            This is akin to someone being on annual leave from work between say 1.10 .2020 and 1.11.2020, and then finding out one of his/her collogues saying,  I saw you leaving work early last week , the 15th of October 2020.   hello !!!, I wasnt even in the country on the 15th of October 2020 !!   essentially thats what the claimant has done . The signage on page 20 doesnt even belong to the shopping centre I went to   I will log out and carry on with th WS     Thanks again       .   
    • Thank you FTMDave. As you can see from the time now I have had a nightmare getting questionnaire answered due to scanner problems, it is up there now though. I do not have proof of breakdown as the alternator was bought from a breakers yard near Chelmsford. I remember it well as they sold me the wrong one on the Saturday and I had to go back in my mechanic friends vehicle on Sunday as I had broken the original alternator getting it off.
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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
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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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 : Teletrack.UK@CoreLogic.com

 

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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