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    • Just as the title says, if ever there was a good reason to ditch Micro$oft and move to Linux then this is it :-   Giving Windows total recall is a privacy minefield • The Register WWW.THEREGISTER.COM It's only a preview, and maybe it should stay there ... forever Help is available, most modern PC's can run a version of Linux suitable for your needs and it is not difficult to use or learn. Ubuntu is popular, new version is very modern Garuda Linux is the one I use, based on Arch, rolling release, bang up to date. I have friends and acquaintances, old and young, PC Literate and not. Most people who try it never go back to Windows Hamster
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    • I believe it is helpful to seek guidance from a range of places and decide on the validity of the sources and frequency of responses which are most helpful. A single voice can be a dangerous thing. As, of course, can groupthink. Scott, it feels like £4k on a solicitor for a £1.5k bill is overkill. Were we back in time I'd suggest small claims court as your claim sounds like it may be straightforward? By all means add that phrase on. I also suggest you contact the court and go and sit in on a couple of similar cases to get a better understanding before you shell out.
    • a card should be 16 digits...urm... note your dates above please. do not miss them no matter what happens  ......................... pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .. get a CCA Request running to the claimant . https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . .use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt]  https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ on BOTH type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
    • Which Court have you received the claim from ? Northamton, civil national business centre Name of the Claimant ? PRA Group Uk Portfolios ltd. How many defendant's  joint or self ? self Date of issue –  21 May 24 date of AOS - 07-06-2024 date for filing defence by - 21-06-2024 Particulars of Claim 1. The claimant claims the sum of £5600 for an outstanding debt owed. 2. On Mar 2000 the Defendant entered into an agreement with Barclays Bank Uk PLC for a credit card under reference ( 11 digit ref ). 3. on Mar 21 the defendant defaulted on the agreement  with an outstanding balance of £5600. 4. On Aug 21 the debt £5600 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on Dec 23. 5. Notices of assignment were sent to the defendant in accordance with S136 Law of Property act 1925. 6. The claimant has instructed PRA Group (UK) Limited to act on its behalf in the recovery of the outstanding debt and to pursue litigation on its behalf. AND THE CLAIMANT CLAIMS 1. The sum of £5600 What is the total value of the claim? £6100  Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No - just emails threatening action   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes   Did you inform the claimant of your change of address? no Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? credit card   When did you enter into the original agreement before or after April 2007 ? before - in 2000   Do you recall how you entered into the agreement...On line /In branch/By post ? I don't recall - I suspect post / online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? am awaiting access - but I suspect it is    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 - debt purchaser has issued the claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Pretty certain - Yes   Did you receive a Default Notice from the original creditor? pretty certain - Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? there's been gaps - they went very quiet  Why did you cease payments? Covid lockdowns  What was the date of your last payment? i thought it was 2020 - they say 2021 Was there a dispute with the original creditor that remains unresolved? no Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? no
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Lending Stream failed to send Notice of Sums in Arrears - 5 Loans now IRL Complaint.


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Hi everyone.

I failed to pay a loan with Lending Stream this year.

The debt has now been passed to a debt recovery agency.

Up until now I have been ignoring all communication from them although I will probably agree to pay it up at one point in the near future.

However I received this e-mail from Lending Stream this week.

 

Quote
 
Important information about your loan
We’re writing to provide you with an important update regarding your loan reference ******* which is currently being managed by Credit Resource Solutions Ltd.
What happened?
 
Due to an error, when we wrote to you by email on **-**-2023 to tell you that your account was 60 days in arrears, our email was missing the link to a formal notification that we’re required to provide to you which is called a Notice of Sums in Arrears. We’re sorry about that.
What does this mean?
 
Because we didn’t provide this formal notice to you, it meant that we shouldn't have added any interest or fees to your account from the date that we should have sent the formal notice to you until the date when we fixed the error.
How will we correct this? 
 
To put things right we’ve updated your outstanding loan balance by £*** to remove all interest and fees that were applied during this period. Your new loan balance is £***.
 
We’ve also included a link to the formal Notice of Sums in Arrears that we should have sent you at the time.
 
This notice does not reflect the current position of your loan and is for your information only. You can access this notice by entering the password which is your date of birth in the format DDMMYYYY. For example, if your date of birth is 11th June 1982, then your password would be 11061982.
What do you need to do?
 
You don’t need to do anything as we’ve already given your new loan balance to Credit Resource Solutions Ltd.

 

I am just wondering if there is any way out of this debt now due to them failing to comply with this?

I would guess not but I know a lot of people are well clued up on these kind of things on here so thought it would be worth asking.

Cheers

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no as it only a short term error.

was your credit file clean with no defaults late payments or court judgements when they loaned to you?

dx

 

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... 

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I have four defaults showing on my credit report.

They were defaulted Feb 2019, 2 in March 2018 and one in April 2018.

I did have a court judgement relating to one of these defaults although I don't seem to see that in my credit report although I do still have the evidence of this happening.

I have since settled that debt.

I do also have a couple of late payments on my report.

The Lending Stream loan was taken out in June this year.

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urm.. might be an irresponsible lending claim here i think:

 

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... 

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  • 4 weeks later...

Thanks dx.

I have sent a letter complaining about irresponsible lending now.

I also sent copies of bank statements in the months leading up to the loans being accepted.

They gave me 5 loans over a 7 month period for about £2000.

In the months leading up to the loans there were some months which had over 50 transactions relating to online betting websites. As well as that there is various transactions showing I had various other loans and credit cards at the time. I think I should have a right to claim here.

As well as that I currently have another payday type loan which I am currently trying to pay off.

This one was also given to me whilst my bank statements show the same scenario (other loans, credit cards, high number of betting transactions).

This one is slightly different though as I granted open banking access to the company before they approved the loan.

This would’ve shown all the things I have mentioned.

Do I have a case to complain with them as well?

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start a new topic on this new one please

dx

 

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... 

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  • 1 month later...

I’ve received a response from Lending Stream which has been sent via pdf.

What’s the easiest way to redact before uploading for opinion?

I have attached the response letter.

It seems like a pretty weak response in my opinion.

On the wages part, they never asked for any pay slip.

They also never once asked for any bank statements.

The wages they claim I said I was earning, I have never earned.

As I said earlier, In the months leading up to the loans there were some months which had over 50 transactions relating to online betting websites.

As well as that there is various transactions showing I had various other loans and credit cards at the time.

If I have not removed enough info from the pdf or have not done it correctly please let me know.

Any help appreciated

Final Response Letter 1.pdf

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  • dx100uk changed the title to Lending Stream failed to send Notice of Sums in Arrears - 5 Loans now IRL Complaint.

it seems like as you gave them access to your bank statements in the 1st place when applying?, this time they appear to have all the cards.

the only think that springs to mind is the continuing rolling of one PDL into the next? using one to pay off the balance of the last?

was this the case?

i notice we've not advised sending an SAR.

they could be withholding important info.

dx

 

 

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... 

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On 10/01/2024 at 12:57, DA11 said:

I also sent copies of bank statements in the months leading up to the loans being accepted.

 

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... 

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Sorry what I meant by that is when I wrote the irresponsible lending complaint, I included copies of my bank statements for the months which were leading up to the loans being accepted.

This was to show how many betting transactions were involved.

They did not have any bank statements or banking access before any loan was accepted.

I included them in my complaint to emphasise the irresponsible lending part.

Does that make sense?

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ok so how did they do this then

Quote

Your regular expenses:
We asked what you regularly spent on rent, utilities, food, transport, dependent care, etc.

We checked what you told us with information from independent sources.

These sources collect statistics related to the economy, population and society.

They look at how much people with different levels of income typically spend.

If required, we used this information to adjust your expenses upwards, and use these new figures in our calculations.

This helped us take a sensible view of your finances before making any decisions

you must have completed some sort of I&E sheet for each Loan?

if so, there was little point in the IRL complaint sadly. i know these PDL make mistakes but with that kind of info each time, they dont.

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... 

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When applying for the loans they ask for monthly outgoings. 

I was under the impression that as they did not ask for any wage slip or bank statements or Open Banking access then there could be a claim for irresponsible lending.

I read the irresponsible lending guide you posted.

I could have put any numbers in the incoming/expenditure part of the application and they have done nothing to verify it. 

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