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Payday Loan Help : Lending Stream


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Hi ,

I have 3 loans with Lending stream since June 2012 soon after which I was out of a job (Total to repay £607.00).

 

I had emailed them on many occasion trying to explain my situation and sort out how to repay to no avail well no reply.

 

Until yesterday 27th August when I received 3 letters (dated 20th August) stating I have to repay outstanding debt within 14 days(2nd September on Letter).

 

I phoned yesterday to discuss a re payment plan to which I discussed and explained I could pay back about £100 a month. Then I was sent an email explaining to fill out I&E Form , which I did and sent back. Today I recieved an email saying :

 

We would like to inform you that we will not be able to proceed further as you have not filled the information (expenditure information) in the income and expenditure form. We would request you to fill the complete information in the attached spreadsheet (income and expenditure form) and send it back to us as soon as you can.

 

We would also require your most latest payslip in a non editable format (JPEG or PDF).

 

So i phoned again stating my situation and that I had filled out the form and sent the filled out as I can view it from my computer, to which I was met with , on our screens it is not filled out and I have to send my wage slip to set up a re payment plan.

 

I have been passed through about 20 different employees in the past 2 days and when promised a phone call back in 5 minutes after waiting for half the day for the first phone call. It never came.

 

I don't know what Im meant to do if they wont agree to take my money through a repayment plan.

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An I&e form is there to prove YOUR offer of repayment. Not for them to decide one for you.

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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An I&e form is there to prove YOUR offer of repayment. Not for them to decide one for you.

 

Hi,

I said this to them on the phone and was again met with ;

"We cannot set up a re-payment plan until you send properly filled out I&E form and a wage slip."

and they never budge from this point.

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Update: Just received a phone call through 3 people all with mixed messages an hour ago I couldnt set up a re payment plan at all without that information , Now they will allow me without the information at a minimum of £60 a month . (I might add the £100 i said would be coming from my g/f). Im really confused where i stand now and what to do

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Tell thwm IN WRITING what you can affors to repay and send them a budget summary. Do not send them a wage slip. if they refuse to budge then we can start with some strongly worded letters.

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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