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    • Not much to say as Manxman has near enough covered all the angles.   Just a couple of points of clarification:   The requirement to serve the first NIP within 14 days is actually contained in the Road Traffic Offenders' Act, not the Road Traffic Act. In fact the first NIP is the only one required by law. Subsequent NIPs are usually provided along with the S172 Request for Driver's Details notice because they are both produced by the same system and are usually printed on the same piece of paper.   If you do decide to challenge the speeding allegation on the basis that the first NIP was served beyond 14 days the burden to prove that it was rests with you, not the recipient of that NIP. They have no basis (or need) to challenge it as the person prosecuted for speeding will be you, not them. As mentioned, once the police produce evidence to show that it was sent in time to be served within 14 days you will have to show to the court's satisfaction that it was not served.    You need to be very sure of your ground before embarking on this course of action. You need to find out who the RK is and when they received their NIP. There have been one or two notable successes with this strategy. Here's one:   https://www.bbc.co.uk/news/uk-england-london-45668735   The RK of the car Mr Beckham was driving - Bentley Motors - had a good system of recording when post was received and the court was satisfied the NIP was received late.   You don't say what the speed alleged and the limit is but if it was within the course or Fixed Penalty limits it will cost you around £100. If you are convicted following a trial it will cost you an income related fine, a "victim surcharge" of 10% of the fine (minimum £34) and prosecution costs which have a starting point of £620.    
    • Hi all,   I was taken through consultation back in 2019 as my company restructured out dept.  Basically we went from 4 team leaders down to 3 so had to re-apply for our jobs. One thing that did not change was our contracts, they stayed the same but we did have a verbal agreement with our manager that a monthly contractual payment of £250 for working weekends would stop immediately.  At the time I was not fussed but I am now again going to be going through consultation and possibly TUPE transfer.  My questions is: Would I be eligible for this payment to be reinstated if I was TUPE transferred and could I request this to be back dated as it was a contractual payment that I did not officially agree to loosing?    Thank you in advance!  
    • Just looking at the date of the offence 12 December.  Possible was delayed in the post at that time as it was taking me up to 2 weeks to get a first class letter, then the New Year Shut down so to get it early January while the Xmas backlog was cleared seems about right to be honest.  Not that I am telling the police that. 
    • Please take note: I got 2 tickets for 32  miles in a 30 zone on different days.  The police said its their policy to ticket anything over 30!!   I had to pay £100 for one and do the course as well.  Even as a disabled driver there was no give on the tickets. Please stop saying that it has to be 35+ it really does not. West Midlands police in Nuneaton so definitely dont go 1 mile over in that area.  
    • New figures from the Insolvency Service show that early termination rates of IVAs have dropped 11% in the past year, while total IVAs have risen by almost 20,000 in the past two years. View the full article
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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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.
       
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      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!
       
       
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    • 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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