Lending Stream appeared on my file

[david-t-rex]

Lol probably

 

Is it worth mentioning I feel I have grounds to take this to the ombudsman?

[AndyOrch]

I personally would wait for the outcome of your DSAR before paying anything or escalating.

 

Andy

[Old Cogger]

I personally would wait for the outcome of your DSAR before paying anything or escalating.

 

Andy

 

yes follow that advice for now, Thanks Andy!

 

 

Did you send for the SAR? by the way?

[david-t-rex]

No I haven't sent for one for lending stream - I shall do that this week, just tried to make a final offer with these to get it closed.

They have defaulted me so the damage is done.

 

Should I update my address with them? I have been reluctant to so far.

 

I do appreciate all the help everyone on here has given me so far, I know I sound like I haven't a clue but that's because I dont really but I am learning fast.

[Old Cogger]

No I haven't sent for one for lending stream - I shall do that this week, just tried to make a final offer with these to get it closed.

They have defaulted me so the damage is done.

 

Should I update my address with them? I have been reluctant to so far.

 

I do appreciate all the help everyone on here has given me so far, I know I sound like I haven't a clue but that's because I dont really but I am learning fast.

Might as well as they could try a CCJ at old address without you knowing, & send the SAR request = with the new address of course!

[david-t-rex]

Address updated - I am away for a few days so will do the SAR at the end of the week.

[david-t-rex]

Just worked out the APR have effectively paid during that time - the fact I have cleared the capital and paid a massive amount of interest plus offering them a generous F&F

 

APR 808.3%

[Ell-enn]

If the date of birth is wrong, are you sure they haven't registered someone else's loan against your name ???

[david-t-rex]

There are other loans with them which I did take out during that time. All are on my file with an incorrect dob so I think it could be a keying mistake when I signed up.

[david-t-rex]

The have come back and offered a 20% discount. Do you think I should try and knock them down to £175?

[david-t-rex]

Tried again to get them to accept £150

 

This is the email

 

Thank you for our email.

Paying anything more than £150 would leave me without any ability to pay for food and other living expenses.

 

You were paid back during the time of the loan a large part the interest plus all monies borrowed as outlined below.

 

I would ask you to reconsider my offer. If you accept please confirm in writing to my postal address (I have updated my details) and we can settle this matter quickly.

 

Date Received Paid

05/07/2013 £395.00

31/07/2013 £118.50

30/08/2013 £197.50

30/09/2013 £10.00

30/09/2013 £81.90

01/10/2013 £50.00

31/10/2013 £217.17

03/12/2013 £50.00

 

£395.00 £725.07

 

330.07 Interest

F&F 150.00

480.07 Interest and Charges

 

Kind Regards

David