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      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.
       
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Faulty? Default Notice / Termination Letters from Lending stream


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Hi All

 

Just a quick question please relating to Default Notices and Termination Letter.

 

I received a default notice which gave me until the 18th of this month to pay. However I received a termination letter stating the agreement had been terminated on the 17th as the default was not rectified.

 

Does not seem right that they give me till the 18th to rectify, but terminate on the 17th?

 

Thanks

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Oh dear, then they have a bit of a problem I would say.

 

Was the termination letter dated earlier than the actual date of the termination..

 

For example was the letter dated 15/16th and said in the body of the letter that the account was terminated on the 17th ?

 

What type of debt is this for ?

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Hi

 

Thanks for the reply, the letter is dated the 18th, sent today via email.

 

It states "we herby give you formal notice of our intention to terminate the agreement on the 17th August 2013"

 

It's from Lending stream, the last of my creditors Ive attempted to set up payment plans with.

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Righto. Well I am not quite sure whether the early termination invalidates the Default Notice or screws up the termination. I will try and find out for sure :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Righto. Well I am not quite sure whether the early termination invalidates the Default Notice or screws up the termination. I will try and find out for sure :)

 

Okay thanks, I'm just trying to set up a payment plan. Not going well!!

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http://www.consumeractiongroup.co.uk/forum/showthread.php?396982-New-payday-loan-survival-guide-by-mike-dailly-govan-law-centre.

 

Have a read of the link above and the articles within the thread. I am pretty sure you will find something Mike Dailly's article that will help you set up a repayment scheme. If not, then I would suggest you start a thread in the Pay Day Loan forums http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?228-PayDay-loans

 

and I am sure there will be other victims only to eager to advise.

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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Lending stream are hard work to set up a repayment plan with. I got their bank details from someone on here, and just started paying them. They are gladly taking the payments but I still get letters from Mackenzie Hall on an almost weekly basis saying I owe them money, always minus the amount I paid the previous time! Oh well, only 6 months left and I will have paid them off! The other alternative is to send them postal orders. They can't refuse any legitimate payment and if they do decide to go to court it will prove you are repaying them so they will be laughed away!

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Emm 'intention to terminate' not confirmation of termination!

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Emm 'intention to terminate' not confirmation of termination!

 

It would still have been before the remedy date had expired on the 18th, Brig. They would need to terminate on the 19th and unless someone stayed up until midnight, their letter should have been dated the 19th as well.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 1 month later...

Hi All,

 

Still struggling on with Lending Stream, no joy on the payment plan as of yet and as they just ignore my letters i've given up writing them.

Couldn't find the original agreement I had so have sent a CCA request for it, just to check the amounts there claiming I owe are correct.

 

Still the issue of them sending an intention to terminate letter before the expiry of the default notice, I have not mentioned it to them yet so any advice on how to proceed with this issue would be appreciated.

 

There now saying there going to transfer the debt to a debt collector as apparently I am not making an effort to contact them.

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