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    • Please do although obviously I don’t know the facts from your side but at least I can tell you how much of a cut and paste job it is.
    • Please check back for a full reply tomorrow. However, it would help if you would introduce pergo spaces into a story full stop it's very long and especially for people with small screens it's very difficult to follow when it is so compacted.   I think this straight has become rather confused because of the third party account which we received at the outset. I think it will probably be helpful if you could repost your story but on a new thread and more openly spaced please.   Then we can start to have a closer look at it. However, as I've already suggested, I think there are two issues. The question of your liability in the accident and the problem of how you have been persuaded to take a rental car at such a high rate.    I would suggest that you hold off telephoneing anyone until we have had a closer look.before you do anything on the telephone. You have obviously had some very important conversations but you don't have any evidence of them. Although the other side may say that they have recorded them, you you may find it difficult to get hold of those recordings if in fact those recordings incriminate them in any way. for instance if they have promised you that you don't have to pay anything for the hire car, that would be an extremely useful conversation to have but you may find that it is difficult to get hold of.   please start a new thread it will be much easier to continue from there                                
    • When I sadly lost my job a while back, i reportd it immpediately to DWP as you are supposed to, but didnt realise at the time that the day I reported to them was the day before I was paid out for the last month. I was actually paid extra whem I left as it was cheaper than redundancy fort the business and at the time it was a good financial move (so I thought).   I was paid on Fri 26th Jan, they paid me out 2 months in one go. I reported to DWP on the 22nd of Han that I was made unemployed, had the letters and evidence. As they spun the story, because of their assesment dates and that, my first payment was on the 1st May and reassured that it works the other way around. That when work starts again, if I dont actually receive money from the company during the assesment period, there wont be an issue as it balances up.   Can I believe this or was it another spun story? I'm concerned that as I'll be paid monthly, (Starting on the 15th paid on the last day of the month), assment ends on the 22nd. Tha they'll take that money into consideration.   I'm just concerned due to the disparity it would cause between 4 odd months I endured with zero income because of how their system works and whatever they ahe in place to counter at this end of the claim.   Anywa, it's just awonder.   Cheers,   Ade    
    • Hi, OP sister here, im going to try and explaine in full details from start to present and see if you have any advice for me on what i can do. on 15/1/2021  at 16:25pm i was traveling along hazlebarrow cresent wich is on my estate at around 30mph, its a tight road with cars parked along the left hand side, as i proceeded through, a van ( which was parked on my left hand side, facing towards me) pulled out from the side of the road, he stopped the van wich resulted in the van being at an angled stationary position on the road. I breaked immediately but the ice and snow skidded my tyers, i skidded into the drivers side of his van, my car bounced off his van and sent my vehicle head first into the back of a parked car ( wich was originally parked at the back of the van before he set off from the side of the road. I will refer to the van driver as MR seddon. ( im going to attatch a street veiw picture and diagram wich will be more helpful in understanding how the accident accured ect) .  The owner of the parked car, which i will refer to as Mr simpson came out of his house. Myself, mr seddon and mr simpson exchanged details and took photos, then i left the scene as my first concern, understandably was to contact my midwife and the hospital. I live just round the corner from the scene of the accident so i slowly drove my car to my property. I contacted Go skippy the next day 16/1/21 and informed them of the accident and gave them all the details ect . by the following monday 18/1/21 i had a call from AX who said they was dealing with my claim as go skippy will not deal with it as i am third party insured. Over the next few days, i complied with their requests ( gave them a written statment of what happened, sent them pictures of the damage to my vehicle and mr seddons van ect). Then on the 19/1/21 AX contacted me again and asked if i need a curtesy vehicle, my first response was ' how much will that cost me?' Of which she replied ' nothing because your insurance covers the cost'. I agreed to the curtesy vehicle and the vehicle was delivered to me on the 20/1/21.  Over the coming weeks, AX and i had regular contact about my claim and updated me in regards to my own vehicle. At one point she said it could be deemed a 50/50 liability. an engineer had collectes my car, deemed in a total loss as the damage was more than 66% of its total value and written my car off . i had a call from a lady from AX and she said they have valued the car and i will be payed out £2200 . i asked when and she said ' we will send you a cheque out for £358 in the post, and the remaining balance will be payed out by Admirel but this may take a few weeks more' .  I didnt hear nothing for around 2 weeks so i comtacted AX again for an update, she told me that admirel are refusing liability and there now in dispute. Every time i contacted them they said the same thing ' admirel are refusing liability' i asked them why admirel consider themSelf not liable and she read from the notes ' mr seddon said he was driving along the road, the corsa ( my vehicle) was at high speed coming towards me , i beeped my horn and tried moving out of the way but i couldnt because of the ice and the snow and the corsa hit my van' . the lady at AX said the problem is that the damage to both our vehicles is consistant with both our stories and due to there being no witnesses, no cctv or dash cam footage- no one can prove who is at fault. I then questioned why i had been told i was being paid out £2200 and she said 'well we have to advice you the estimated value' of wich i replied 'no, there was no 'advice' - i was told it was a done deal i was getting paid £2200 and she told me i had a cheque arriving in the post!!!.  The lady then told me she had requested a ' none prejudice payment' from admirel and waiting for a response.   Shortly after this phone call, AX contacted me again and asked if i had the funds to repair my own vehicle or buy another one, ( im.assuming admirel refused to pay the ' none prejudice payment) I told them No i do not as i have a baby due and even if i did have the funds, why on earth would i fork out to repair my own vehicle when i wasnt at fault ?! . she said ok im going to pass this to managment and see what we can do .   I contacted AX again and asked for an update and expressed how unhappy i was with their service as i felt like they hadnt fought my corner, bowed down to admirel and then had the cheek to ask me to repair my own vehicle . again she said ' its still in dispute, admirel are not budging i have to pass this on to management. She then asked me for 3 months bank statements to 'prove' i dont have the funds to repair my vehicle myself. I thought this was ridiculous and stated that even if i had the funds, why would i repair my own vehicle when im.not at fault!? Obviously this has been on going since middle of january, pretty fed up. My brother come to this forum and you guys had mentioned the hire car rates may fall back on me. I contacted AX first thing this morning regarding this. I made it clear that they can collect the vehicle to stop the daily charges as i do not want to be in thousands of pounds worth of debt when i am a lone parent with a new born baby. and the lady told me ' we will try every avenue to recover the cost from Admirel for the hire car charges, if this means taking them to court, even if this is unsuccessful, considering you comply with your hire vehicle contract and you work with us with your claim ( which you have been doing) you will not be liable for this debt and if worst comes to worst and admirel will not pay, we will just wipe the debt off' . i made her repeat several times that i will not be liable for this debt and she said i have told you my name, and these calls are recordered and i am telling you that this debt will not be on you to pay . She then said that if i was to give AX the hire car back now, then it would jepordise everything. And she said ' we gave you that hire vehicle because we beleive your not at fault so you can keep using it as we know you need transport' I then questioned the need for bank statements again and she told me the reason they need bank statements is so if it goes to court - AX can justify why i needed the hire car for so long ( because i didnt have the funds to repair my vehicle or buy another one) and also so they can prove they have tried every root possible.    After the phonecall it got me thinking about how she said ' aslong as you comply with your hire car contract your not liable for any charges for the hire car' . will they find any fault with the contract just to try and lumber me with the debt? , as it seems pretty fishy how they would just ' wipe off' thousands of pounds if admirel refuse to pay.  And also, she said if i gave the hire car back it would jepodise the case . so when the lady rang me the other week asking if i had funds to repair or buy myself a new vehicle , if i had said yes, ill buy a car tomorrow and come collect the curtesy one. Then what? Wouldnt that ' jepodise' the case?    As you can imagaine, my heads spinning. Stressed and dont know what to do. I dont even care about a pay out , i just want to give the hire car back and be completely done with AX . but now im scared if i give the car back i will be lumbered with thousand of pounds worth of debt from the hire car charges.  Tomorow i am going to read thoroughly through the ' hire car contract' . i am going to give them another call and record them saying i am not liable for the debt. Any advice on how i can just give the hire car back to them without me being liable to pay the debt?  Thank you Gemma
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      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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Lending stream whats the deal with these


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I have two loans with Lending Stream and wrote to them infroming I would be defaulting, this was at the end of February. Stupidly I thought they wouldn't take any money from my account but of course they did!. I have since changed bank accounts and written to them several times but have not had any response regarding my request for a payment plan buth have had several emails and texts offering me another loan! However, last week I received a default notice and a lengthy letter about me not contacting them and had 14 days in which to reply! I would just like to know where all these emails and faxes we send to these PDL companies end up as many offer the standard response that they have never received any correspondence even when they have been addressed to a specific person!

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  • 4 weeks later...
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No nothing at all mate and to be honest i have compleatly fortgot about it, It only crosses my mind when i get a email about this thread.

 

And i am with "slgsue" on this one i will wait till they contact me.

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Sorry guys, totally disagree with the ones who say just wait, we were stupid enough take out these payday loans so why not just get them sorted , I have emailed Lending Stream on a few occasions with no response, I have now got one letter ,felt guilty so phoned them, they were more than nice and now the repayment plan I wanted is in place, with just one phonecall, most of my other payday repayment plans are now sorted except for Swift Sterling who are being ackward .

 

Just think why not get it done &dusted now & wait later on, thats when it will catch up.

 

Thanx

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I defaulted with Lending Stream back in February and despite 20+ emails from me attempting to arrange a payment plan, I heard nothing from them (other than emails suggesting I take out a second loan!) until middle of May when I received quite a nasty letter advising they were going to send me a default notice due to my "refusal to make payment". I responded with a letter detailing all my attempts to make contact and again outlining my request to enter into a payment plan. I also informed them I would report them to the OFT if they continued to use bullying tactics and that I was concerned about their frequent emails offering me a second loan, behaviour which I did not find to be in line with a responsible lender. As with most people in this thread, they have not responded. I have also tried to phone them but got an answer phone message requesting I leave my details and they will call me back. They haven't. I agree wholeheartedly it is my responsibility to pay them back but they are not making it easy and I'm not using anymore energy chasing them!

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That seems to be normal of lending stream my friend was having the same problems as you and i posted on here after she recieved letters from them to see if anyone could provide an email for lending stream. she contacted that email address and got a reply stating they can set up a payment plan but only over the telephone, she emailed back saying that as per previous emails that had gone un answered she wanted all contact to be via email and that she wouldnt be contacting them by phone. low and behold no reply. pretty disgusting behaviour from a company in my opinion

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  • 2 months later...

Anyone heard from Lending Stream yet? I have had emails from them this morning. They are passing my account onto Murky Hall gawd help us! I took 2 loans out from them - one for £200 and they are charging me £582! The other one was for £165 and they are charging me £434!

 

:jaw:

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It seems that lending stream are having a clearout of some sorts, as i have heard from a few people who have recived the same sort of email this morning (that includes me)

 

At the end of the day what is one to do when you offer them payment plans and they dont reply.

 

What i am going to do is let them hand it to mucky hall i might make a full and final offer or just leave it be. As i have had dealings with them ( m.hall) before and they are full of sh..t and to be honest i cant be ars.d to start negotations with them.

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This makes sense (the clear out part perhaps in the last couple of days anyhow!) you see I have a Lending Stream debt too ... well actually it's with Resolution Recoveries (their inhouse debt collections) now and they ask me to pay them instead of L.S (is this right?) I'll be making my payments after finally getting them to accept but however in recent days after logging into my account with them online, guess what none of the payments made to date have actually gone towards or made a dent in the balance!!! that's right their applying more charges!

 

I think I've been silly with this cause whilst I have it in writing their agreement to the payments I'll make each month, nothing really got discussed between us with regards to the freezing of charges (which I understand they don't have to do) neither had I asked about a breakdown of charges tbh - should/could I do this now??

 

I think this one is going to be quite tricky cause it was a 6 months loan rather then the usual payday loan ?

 

Also I'm really beginning to get bombarded with daily texts and messages of 'in connection with your recent correspondence we have various suggestions to ease your financial burden, please contact lending stream on xxxxx ??????? and think they may have sold my data on as getting a lot of other weird and wonderful texts/emails and messages

 

Please, any advice would be gratefully received !

If anyone needs contact details for resolution recoveries I do have them - you've got to keep being persistant with the emails to them as they will try to ignore

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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Hi there. I also received a email from lending stream yesterday. I was in such a mess with payday loans I forgot I actually took out a loan with this company and this is the first time they have contacted me.

 

I took out the loan last November and my card was reported stolen with my bank to stop funds coming out and leaving me with zero money.

 

This worked with the loan company's but with them sending me this email I am now panicking about my account. Do you think it will be safe? I'm scared that they have 'remembered' about me and will attempt to set up a direct debit (even tho they have never tried since last November) am I just being paranoid or have lending stream tried this with anyone on here?

 

I don't mind that they are passing the account onto mucky hall, I've had dealings with these before and know just how to handle them.

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Hi Miss Mop

 

I think it's all to weird !! my strange text and message come through yesterday to! I think you should be fairly ok with the dd - anyhow if you spot them early you can decline/delete y'know! tho Lending Stream never set up a dd for me and I'm sure I read on here about others saying they took a long time to catch on, so couldn't quite believe how quickly Resolution Recoveries got involved in my account! it wasn't like I ever got the option to deal with L.S was just handed straight over to R.R

 

Looking back through past statements now, they have taken some odd amounts like one day they took £23.95 followed by £5.00 on same day

Another month nearly double this alone altogether...

 

What strange practices they must have!

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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Very strange indeed!! I'm watching my account daily just incase they have remembered me and decide to give a direct debit a try!

 

I've never received so much as a email from them until yesterday and had to get a password reminder etc to log on and find out how much I actually owe.

 

I wonder what has made them have a clear out?

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Oh I can well believe it ! - working out my balance is turning out eligible! on a 2nd thought one thing you've probably done anyway but you do have a different debit card now I take it? just be careful if you've not had a change of account as my transactions were point of sale/terminal keyed ones obviously back when they had my old account details - now I pay them by so

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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Just received letters from mucky hall for my 2 lending stream loans. Am in two minds what to do; they're charging me an extortionate amount of interest for a couple of hundred quid but the loans were over 3 or 4 months initially. Ideas welcome :-)

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I think it is best to stick to the original loan + 1 months interest.

 

I was considering just leaving it but mucky hall have been emailing me at work so its only a matter of time till the calls at work start.

 

My ariginal loan was for 220 so at 25% interest over a month it would be 275.

 

I will fire a email of to them today and i will post my reply.

 

Though they are renownd for not replying so i am not going to hold my breath.

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