Jump to content


  • Tweets

  • Posts

    • The revenue protection officer worked for a train operating company.  If you know which Train company it is, go to their website and look for their complaints process.  Then submit the complaint with full details and copies of the tickets.     
    • Why aren't you recording your calls?   Please monitor this thread for a fuller reply over the weekend    
    • Why I went back:   Eventually, after being detained too long against my will. I paid the higher fare due to threats of a fine and in effort to gain my right to freedom: I then went through the turn-styles and on my visit to the booking/box office(aka: the main ticket booth on the way out) The man said I had to go back to the turn-styles to get my refund as he said it was a different system.   I asked him to come with me. He said he could not, i asked him to hold my hand. (English term of phrase). I did not want him to actually hold my hand.   He understood that and refused as he was on shift.    That is why I had to go back. I made an account here to seek help for me and other passengers. The site admin of this forum constantly tried to pass blame onto me. for many days. I cant explain how stressful this has been after the stress of the incident.   Can you please help me?                
    • So ,  after sending a letter refusing to accept the refund that was offered i received a phone call yesterday and an email that sums up the conversation i had. I have copied this below.  Good morning Mr Thank you for your email received on 16 August 2019.I’m sorry you disagree with our calculations and felt that my colleague didn’t listen to you.  I understand you don’t want us to make any accountadjustment or accept our proposed solution, until we look at everything again for you.We’re committed to providing our customers with the highest quality services, so I’ll do all I can to help you and put this right.I’m pleased we had the opportunity to talk about your concerns and decide on the best way forward.  As we agreed, here’s a summary of the issues wetalked about:· You requested details of your metered bills and payments (I’ve attached these to this email).· You don’t want to accept the solution we offered, of billing you on our ‘assessed charge’ tariff.· You don’t want to accept the goodwill payment offered £220.00 and feel you could have built your extension 2 years earlier, if we hadn’t charged youtoo much. · The meter readings we billed you for include water used at 74 Scotchman Lane, because you have a shared supply pipe.· You’d like 50% of your water and sewerage volume charges refunding to resolve this.· You’d like interest on your overpayment calculated accurately and based on 8% (not the Bank of England base rate).· You spoke to our technician and you said he advised it would be easy to alter your private pipework, so a meter can be fitted just for your home.· You prefer to pay a metered charge.· I’ll look into the points you’ve raised, and I’ll do all I can to work towards an amicable solution with you.I’ve taken the first step and I’m pleased to confirm that we’ve arranged a meter survey to be carried out on 6 September 2019 (arriving between 10amand 12 noon).  This survey will be done by our service partner ‘Morrison Utilities’, and they can estimate what it will cost you to have the pipeworkaltered, so a meter can be fitted.  Once I have the results of their visit,I’ll give you a call so we can talk about our next step.After we reach a solution and agree how you’ll be billed, I’ll be happy to work out a new interest calculation for you.  We use the Bank of England baserate and this won’t be changed, but I’ll be happy to renegotiate a final settlement figure with you.  If we pay interest, this will be subject to current HMRCtaxation rules.I assure you, I’ll keep an eye on your account and update you on each step we take.  I’ll call you again by 13 September 2019 about our progress.In the meantime, if you’d like to talk to me, please call me on 01274 318452 and I’ll be happy to help.  If I’m not available you’ll be able to talk toa colleague or leave a message.Regards   Personally i am not happy with the email especially as I didnt mention that i would pay for any pipework to be altered. He did say to me on the phone that the pipes after the boundary are ours and therefore our responsibility. I did then point out that if this was the case then there is nothing to stop me cutting and capping the pipe after it enters my property.    I am now going to try work out what the refund with 8% interest is from the figures he has provided.
    • Looking at the thread Im guessing theyre SB?
  • Our picks

Prestonnorthenddebtfree

Asset/TM Claimform - old disputed {OC upheld IRL complaint] lending stream PDL Debt.

style="text-align:center;"> Please note that this topic has not had any new posts for the last 217 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi

I foolishly got a pay day loan a couple of years ago from lending stream, circumstances changed and I couldn’t pay it.

 

 

The debt was then sold onto asset collections who have instructed tm legal.

debt is 997 and made up of two loans.

They sent me a letter of claim which I responded to but didn’t send recorded post and they claim they didn’t get it.

 

They have now issued court papers to pursue a ccj.

 

I have contacted them to discuss my options and they say either pay in full or If I want to pay in instalments they will get a ccj.

 

I desperately want to avoid a ccj but can’t afford to pay it in full and even less so now they have added fees and interest the debt is now 1300.

 

What do I do? Can I defend the claim?

What happens is I lose?

 

I made an affordability complaint to lending stream earlier this year where they found that one of the loans was unaffordable and they said they would buy it back from asset collections and waive all interest, they havnt done this though and tm legal are pursuing the full debt.

 

Do I have any options?

The clock is ticking though as I got the claim forms yesterday

Edited by dx100uk
Spacing

Share this post


Link to post
Share on other sites

PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Name of the Claimant ? Assett collections and investigations

 

Date of issue – 16th October

 

Date to submit defence - 16/11

 

Particulars of Claim

 

What is the claim for –

 

1.The claimant claims amount in respect of an unpaid loan regulated by consumer credit act.

Loan was funded by gain credit plc trading as lending stream.

2.Defendant failed to make payments in accordance to agreement. Credit agreement was assigned and notice of assignment was sent to defendant. The claimant issued letter of claim providing a further opportunity to arrange repayment to no avail.

 

3.The claimant claims interest under section 69 at the rate of 8% 17/10/16- 15/10/18 plus daily interest at 0.22 daily

 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes letter of claim I offered to pay 20 a month. They claim they got no response

 

What is the total value of the claim? 1306.08

 

Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Payday loan

 

When did you enter into the original agreement before or after April 2007 ? After

 

Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes

 

Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Assigned

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? No

Did you receive a Default Notice from the original creditor? Yes

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Yes

Why did you cease payments? In 2016

What was the date of your last payment? Unsure

Was there a dispute with the original creditor that remains unresolved? I raised an affordability complaint. They agreed to buy back half of the loan and cancel interest but haven’t done and court papers are for full amount

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management Yes I did

Edited by dx100uk
format

Share this post


Link to post
Share on other sites

please note your corrected defence filing date...

 

pop up on the MCOL website detailed on the claimform.

.

register as an individual

note the long gateway number given

then log in

.

select respond to a claim and select the start AOS box.

.

then using the details required from the claimform

.

defend all

leave jurisdiction unticked.

click thru to the end

confirm and exit MCOL.

.

get a CCA Request running to the claimant

leave the £1PO blank and uncrossed

.

get a CPR 31:14 request running to the solicitors

.

type your name ONLY

 

no need to sign anything

.

you DO NOT await the return of paperwork.

you MUST file a defence regardless by day 33 from the date on the claimform.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

no need to hit reply with quote ...just type.

 

quote removed

unnecessary posts now removed...

 

yes and yes to your questions.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

cag is self help too

time to get reading but DO NOT miss your defence filing date no matter what happens or not

 

use the search CAG box of the top red toolbar

 

claimform asset

 

1000's of like asset claimform threads here already


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

lots for you to digest, and yours looks promising that atleast their claim sum is somewhat sceptical

 

when the time comes nearer have a go at a defence pop it up here in good time and we'll help.

 

also gather the evidence you have regarding the IRL complaint and p'haps pop it all into ONE multipage PDF

read UPLOAD.

 

then we can better see the details there and use that evidence to adapt the defence you put up.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

So following my post last week

 

I emailed lending stream to ask why they didn’t re purchase the loan as per outcome of my affordability complaint.

 

Asset are pursuing the ccj for both loans (but are classing them as one on the court docs).

 

Lending stream replied today to say was an oversight on their part and they will buy it back and wipe any charges. I can then make an arrangement with them.

 

They obviously don’t know about Court process being started.

How will this affect things?

They are only buying back 300 of 997 balance from asset.

Edited by dx100uk
Spacing

Share this post


Link to post
Share on other sites

Certainly proof that invalidates what asset are claiming...


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Oh yes!!


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Am in the process of getting my defence together and submitted-I have till Friday.

 

Since I received the court docs lending stream have bought one loan back from asset, cancelled the interest and agreed a repayment plan of £10 per month.

 

I can’t understand how asset let them buy it back when they are pursuing a CCJ for the full amount of two loads plus interest?

 

How do I put this in my defence?

 

Appreciate any help anyone can offer

Edited by dx100uk
Spacing

Share this post


Link to post
Share on other sites

Look

You need to put Asset Collection and Investigation to Strict Proof that they Actually own the alleged debt by Transfer.

You need to see or be in receipt of a copy of the Deed of assignment and you need to re-enforce this in your Defence.

A letter of assignment is just that. A letter.

Its not proof that it has been properly Assigned.

 

I have been through 2 claims with the company for the same,

 

each time I have raised the issue in my defence they have backed of from providing a full deed and the claim has not progressed.

 

In two of the claims I have asked A.C.I to prove that they own the Debt in question, and twice they have failed to do so...

 

In the Two claims they have made they have Provided 4 different assignments with at least 3 different dates between so called asignments. and lots of emails quoting their clients...... Well either they own the debt or they are managing on behalf of lending stream.

 

They can not be both.

 

Do you have an assignment from ACI back to lending stream ?

 

I suspect the Answer is no..

... Why....

.. Because it was not legally Assigned in the first place ????

 

Hence Asset Collections have no legal court claim

Edited by dx100uk
Merge

Share this post


Link to post
Share on other sites
Am in the process of getting my defence together and submitted-I have till Friday.

 

Since I received the court docs lending stream have bought one loan back from asset, cancelled the interest and agreed a repayment plan of £10 per month.

 

I can’t understand how asset let them buy it back when they are pursuing a CCJ for the full amount of two loads plus interest?

 

How do I put this in my defence?

 

Appreciate any help anyone can offer

 

Did you submit a defence ?


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

This Is my Opinion Andyorch, Asset collections and investigations are not the owners or debt buyers of these Alleged Debts.

 

In Fact one would go so far as to suggest that they are of the same company..

 

1) Any Debt buyer would register in their own name and would show such on an individuals credit file. ( in my case my so called debt was purchased by this company 4 years ago)

 

2) They would not provide different Assignment dates on letters of assignment.

 

3) They would not shy from any court hearings when challenged on issues 1 &2 .

Share this post


Link to post
Share on other sites

Hi yes I did.

 

I have an email from TM legal confirming that lending stream have bought the debt back and Therefore is no longer nothing to do with them and that they would not be pursuing any further legal action.

 

I didn’t trust that they wouldn’t try and get the CCJ anyway so I submitted my defence and think I’ve covered all the main points.

 

They also seem to have missed that lending stream have only bought back one of the two loans making up the balance asset were pursuing.

 

I guess I should be expecting another court claim for the remaining balance when they have worked this out?

Edited by dx100uk
Spacing

Share this post


Link to post
Share on other sites

Hey well done.

 

I doubt they'll want to waste more money if you total the expense todate

 

Never forget these are speculative claims in the 1st place.

Not expecting to be defended.

 

And they know you will now!!

 

As for the fmitl posts...best left off here

 

Dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Fmitl? Excuse my ignorance.

 

Also, should I contact the court just to check it’s been struck out? How long does it usually take?

 

And thanks for all your help- I’d have had no chance without the forum

Share this post


Link to post
Share on other sites

Its not been struck out...if they are as true as their word they should have sent you a Notice of Discontinuance...so check with your court the same has been filed by the claimant.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites
Hey well done.

 

I doubt they'll want to waste more money if you total the expense todate

 

Never forget these are speculative claims in the 1st place.

Not expecting to be defended.

 

And they know you will now!!

 

As for the fmitl posts...best left off here

 

Dx

 

Is that quip Aimed at me FOTL ????

 

DX100uk I seriously dont think that you have the correct handle on this company.

 

They will and do continue claims with vexation, as you know well dx 100 so to say that the other poster should hear no more is a tad missleading

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...