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    • I Submitted my defence last weekend,. In short, denying all allegations and requesting that the claim be struck out as claimant has no documents to support their claim and  have failed to provide any evidence whatsoever that any monies are owed to them by me and I considered it an abuse of process.   I have now received their directions questionnaire where they are championing 'Mediation over the telephone'   Should I agree to mediation once I receive the questionnaire from the court bearing in mind the dispute is about the existence of the alleged account and the lack of documents to prove it exists/ existed?   All I can say in mediation is that I've never heard of the account...... Do Lowell have to provide documents to the mediator?    Thanks in advance for any advice offered and sorry if the answers can be found elsewhere, but I'm not sure where to look 🤓   Spam 
    • Thank you all for the comments.. I hope to get a transcription of the recording, but I don't know if that's possible. I have asked the Court so will see what comes back. This is an overview and may not be exact wording..    I'll add the highlights from what I understood.. [both Judge & Mr D were well into the legal jargon].. some of the more technical discussion was lost on me..   Opening Statements.. VCS......Events from Incident to Court summons.. pretty much the WS opening Me........Night time, bad weather, bad visibility, children in danger walking on the road so "Signs" were not very clear VCS......Pictures on their WS were in daylight. Picture of the car we very blurry due to the rain. VCS agreed it was bad.. Me........Kangaroo Court - Every drop down on the appeal site is an admission of some sort of guilt. Needs to be an "Other" in case your situation doesn.t match Judge...Asked for clarification on POFA from VCS  VCS......Explained POFA in his terms and what he understood Judge...Was it a Parking event? VCS......No, it was a Stopping event Judge...Asked VCS who owns the land.. he didn't know so I told him Southend Council owns the freehold of the airport, but it has been leased since 1994 to London Southend Airport Company Limited Judge...Surprised VCS didn't know that Judge...Asked VCS if the Contract is relevant? VCS......Yes,  Judge...Still not clear VCS......Quoted VCS v Ward & Idle..  Me........That's not in your WS so is it admissible? Judge...That's not relevant in this case.. he had a quick look. Judge...Is the land relevant VCS......No real valid response, referred to VCS contract with the airport. Me........Why is Mr Wasi the paralegal not here as he may know? Judge...Section 46 refers to Parking/Waiting. Me........It all refers to Parking.. and I was not parked or waiting.. ## I expect Simple will see this as a loophole so may change it ##   Closing Statements: Me........VCS are aggressive in all their actions, as you can see by the Letters in their WS.. I also went through all the Arguments at a high level, such as Bye-Laws, Road Traffic Act [Public access etc.., the POFA discussed Parking, not Stopping, PO Box on the Signs, no address. VCS......Pretty much same as the Opening statement as far as I remember..    Judge...   Car was stopped for 30 seconds Multiple Signs The Driver "did" enter into a Contract as they entered the airport But.... Does POFA apply Needs distinction Stopped not Parked Only applies to Parking Judge referred VCS to Jopson v Homeguard 👍  Defendant wins the case & is not obliged to pay VCS any Fines   Judge to VCS... do you want to Appeal VCS.. Yes Sir................... but after 20 seconds he changed his mind to No Sir, no appeal at this time..  Judge to VCS... you have 3 weeks to appeal if you change your mind.   So.. VCS may appeal, but I had a feeling that he may have been tapped on the shoulder and advised to say No.. at the time..     ### As far as I can remember, this is how it went down ###.
    • Let us know when the hearing date has been set and then we will try to help you sort out your arguments and your documents. You will need to submit a court bundle. Please follow the court bundle link
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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.
       
      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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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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