Jump to content


Lendingstream reappears after 7 years


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1443 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I am sorry if this isn't supposed to be in here but I just want to get a few ideas and thoughts on this.

 

I lived in central London 2010/2011 and took lending stream loans out (as far as they are concerned as I can't remember not paying them back)..

 

..fast forward to 2018 (I moved in 2012 and then again 2016), PRA Group contacted me about a loan (£80 - which isn't the sum but the principle that bothers me).

 

I called PRA group and launched an investigation and complaint and then called lending stream doing the same, disputing the debt as

 

1) I had not heard from them via email or phone and they confirmed they still had both on file

2) I do not believe these are my debts

 

however in case they would be (it's such a long time ago),

I'm disputing that they never gotten in touch with me sooner as they said they sold it to debt collectors in 2013, so why not get in touch with me for 2 years?

I asked them for proof to show me they emailed or called me trying to get this debt back.

 

However, what is my next step and how likely is this going to be that they'll keep chasing me?

 

My point was that if they called me in 2011/2012 I would have just paid it,

no one likes debts so why would I run from it,

 

now I don't think this is mine and it's not an insane amount but the principle is that it's crazy and 7 years ago...

 

Thanks for all the help!

Edited by dx100uk
spacing
Link to post
Share on other sites

1st NEVER EVER ring a DCA!!

they are NOT BAILIFFS

and have ZERO LEGAL POWERS.

 

if its 7yrs old send them our statute barred letter from the debt collection section of our library

 

this will

give them you correct address and protect against any backdoor CCJ's , it being SB'd without telling them in writing is NO protection.

never run away from debt...

 

what does your credit file say?

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... 

Link to post
Share on other sites

My credit file doesn't even show this.

 

I've recently checked it and over the years and as I'm going through a work application had the force views of my credit file and it's not on there at all.

 

Well I don't run from debts, that's why I contacted them but I'm trying to figure out if I'm going about it the right way?

Link to post
Share on other sites

Debt collector. They're the ones chasing.

:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

Link to post
Share on other sites

I said send them..didn't even mention the OC

Nothing to do with them anymore they've sold the debt

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... 

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...