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    • its a 12mts contract else why would it say till 2021 and first month..   simply states they don't charge a joining fee clever marketing ploy as people don't read things. it IS a monthly payment, that runs for 12mts.   but anyway there is stuff and all anyone can do to you.   dx        
    • Hi Slick,   Amazingly fast reply, thank you!   According to the reference on the payment it says "ON 24 SEP BCC" and the payment cleared 25th September at 11:26   I was simply told to sign up on the website by a staff member in the gym, no further information was given to me by them. The website stated that it's a rolling monthly membership that could be cancelled at any time "No contract membership JUST £14.99 a month, until 2021*" As far as I am aware there was absolutely no minimum membership length, unless there's some small print I've missed somewhere. But Harlands haven't mentioned anything about me being obliged to pay for a certain length of time so... I've attached a picture to this post of what I signed up for.   Also, I'm not sure if this has any relevance at all but the building is plastered with £9.99/month signs EVERYWHERE yet it costs £14.99 when you go on the website. False advertising 🙄 Could perhaps use that as leverage in a letter if it comes to it, I dunno? 😂
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Just read this thread and I am utterly amazed that no-one has picked up on the fact that Lending Stream are clearly using Visa continuous payment authority to take payments. These will go through on cancelled cards, and even if there are no available funds. Well publicised due to the difficulty in stopping them for unauthorised payments (i.e. you can't).

 

Lloyds TSB uses Visa Debit. Beware using Visa Debit in these circumstances.

 

What would be interesting is if LS ask customers for continuous payment authority when card details are first entered. If not, we can get them in serious trouble and they should be reported to Visa.

 

It is always advised on many threads, not to give your bank details or set up direct debits for this very reason.

 

Standing order facilities still exist and then YOU are in control and decide if and when and exactly how much you pay them!

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Yes, but you have to give card details to get the loan in the first place.

 

They can then, even if you subsequently cancel the card, set up a Continuous Payment Authority and take money whether you have it in your account or not. It seems on this occasion LS has gone back a while later and, instead of taking money as a normal transaction, has put it through as a CPA which will go through on a cancelled card (for the convenience of we consumers according to Visa).

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If you write to your bank telling them you no longer give permission for continuous payment to that lender they have to comply with your instructions - YOU have the right to cancel

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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If you write to your bank telling them you no longer give permission for continuous payment to that lender they have to comply with your instructions - YOU have the right to cancel

 

I suspect though that CPA has not been given, but used nonetheless, hence the difficulty getting money back from the bank retrospectively. And therefore if people do not know it exists, they won't be cancelling it until it is too late and has been used.

 

This is why I think it is interesting to know if LS do indeed ask for Continuous Payment Authority at loan inception.

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i would complain and complained to the oft about these clowns. they will still try and withdraw money from your account. in my case they £25 at a time which is floor limit my told me there was nothing they could even thou this left my account overdrawn when there is no overdraftlink3.gif on my account.

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hi my bank is halifax and it is a visa debit card. can believe this has happen to so many people the money was taken 3 years after the loan on my account. Something seriously wrong with this company's tactics.

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Hi, i have never used this before but have been following with interest as the same has happen to me. On the 14th March 2 payments were removed from my bank of £25.00 and 60.38. The funny thing was that in October i received a email thanking me for these payments from Lending Stream which i queried, as nothing had gone from my bank then. I have spoken to Lending Stream about this and they said it was the Banks fault and they had received nothing into there account. The bank says its my fault and nothing i can do about it, unless i can reference numbers from Lending Stream (Fat Chance). What do i do now?

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DEMAND the bank investigates else you'll get actionfraud involved

 

who do they think they are

its YOUR MONEY !!

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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DEMAND the bank investigates else you'll get actionfraud involved

 

who do they think they are

its YOUR MONEY !!

 

dx

 

I have tried to get the bank to repay, and have been told by the HALIFAX Dispute office they can do nothing as it is my fault i gave them authority with a card over 12months old? And to top this off i have had emails from Lending Stream stating that i owe them an extra £85.38 even though it has been removed from the Bank, so who does have my Money?

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that is utter rubbish

 

http://whatconsumer.co.uk/visa-debit-chargeback/

 

We have been telling people to put a letter into their bank instructing them not to make any payments under any circumstances to these companie

http://whatconsumer.co.uk/visa-debit-chargeback/s - it works!

 

banks MUST follow written intructions from their customers !

This fsa guide has now been updated:

 

http://www.fsa.gov.uk/pubs/consumer_...ghts_guide.pdf

 

Here's the text:

 

Cancelling a regular

card payment:

 

When you give your credit or debit card

details to a company and authorise

them to take regular payments from

your account, such as for a gym

membership or magazine subscription,

it is known as a ‘recurring transaction’

or ‘continuous payment authority’.

These are often confused with direct

debits, but do not offer the same

guarantee if the amount or date of the

payment changes.

In most cases, regular payments can

be cancelled by telling the company

taking the payments. However, you

have the right to cancel them directly

with your bank or card issuer by telling

it that you have stopped permission for

the payments. Your bank or card issuer

must then stop them – it has no right to

insist that you agree this first with the

company taking the payments.

Be aware, though, that you will still be

responsible for paying any money that

you owe.

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Tell them the law says different. Then contact the office that dx suggested. Then get a bank account with a respectable bank.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Escalate the complaint into a Formal one, write a letter headed FORMAL COMPLAINT and hand it into the nearest branch, give them 14 days to resolve the issues or you will escalate it to the banking ombudsman.... remember they do not want these 'black marks' against them and will usually roll over and help.

 

The service from Halifax is less than it should be these days, don't know why they don't listen to customers more and get rid of some of their antiquated ideas.

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Escalate the complaint into a Formal one, write a letter headed FORMAL COMPLAINT and hand it into the nearest branch, give them 14 days to resolve the issues or you will escalate it to the banking ombudsman.... remember they do not want these 'black marks' against them and will usually roll over and help.

 

The service from Halifax is less than it should be these days, don't know why they don't listen to customers more and get rid of some of their antiquated ideas.

 

Surely you mean the banking regulations which they are bound by. I mean, its even stated in the FSA regulations yet they are clearly ignoring it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Yes, print out a copy of the banking regulations and spell out which ones you feel they have broken, it is the only way they understand things.

 

If they want to quote terms and conditions you can nearly always find a contradictory term and condition in their own legislation and in their regulatory legislation - regulatory legislation (so I understand) can take precedence.

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  • 5 months later...

wow...... We are getting phone calls from " lending stream" wanting to speak to a Sandra Thomas, You try to phone them to tell them its a mistake as no Sandra Thomas lives at this address and you get stone walled you cannot actually get to talk to anyone..... its getting to be bloody annoying phone calls at odd hours but will rip them a new one legally if they do not go away and harass a end of a rope some time soon...... Does anyone have an direct phone number for these numptys Please.......

Edited by ukbigd

Of course prostitutes have baby's, Where do you think DCA staff come from...............

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Dont phone them. Just send a letter or email by recorded delivery and also send a dpa request to remove all information related to your address.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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