Hi, LS have replied saying I need to pay £10 for a SAR. Ill get that sorted next week then - working away for the weekend. Payday UK Last loan in 2014 rolled twice and then defaulted and still owe them £287 32 entries on credit report wasnt rolling at first but was paying them off and then borrowing again same month then they started being rolled. I don't know if I'm reading the report right or not, but it would seem since sep 2011 and feb 2014 paid them over £12,000 and the last three entries don't have figures on them so probably closer to £13,000 I feel a bit sick seeing that.

Just popping by to say I am still going with this, just been having a really hard time lately with my housing situation finally after months of sleeping rough at my mothers house with my family I was offered social housing only to then have the offer withdrawn after a credit check so I have really not been in a good place in my head. I have emailed LS to ask for a statement for all loans, does anyone know how long this should take? I will try and post the PDUK info up after work tonight/tomorrow. And will be back again once I have the loan statements.

Does anyone know anything about these? Just got position number one for a property, after bidding for it last week, went through income and expenditure and I'm shaking and nervous, forgot to tell her about the three things debt wise I pay out only my partners .... didn't tell her about debts were not paying as it was income and expenditure and I'm currently not paying on some of them. Then she say shes going off to do a credit check and will call me back, that was over an hour ago. So I guess that's game over then? I didn't know social did credit checks? How are we supposed to get anywhere to live? Been living at my mums since January now with my partner and 3 children. I feel like I have literally just hit rock bottom ...

I know Yes I will get a statement ... Will let you know once I have it. PDUK were probably about as bad from what I can see, I'll post up tomorrow, have literally just finished work and my eyes can't focus properly lol. Oh and as always thank you for taking time to help and advise. Good night.

There were 16 loans in total with Lending stream - First loan 15/2/2012 Last loan 03/8/2013 4 defaulted when I realised I had to get out of the payday trap. All the others were paid back in full. The default amounts were £114 , £212 , £525 and £100 - these were all running at the same time .... Asset collections are claiming £2400ish Looks like they lent out roughly 4600 in just under 18 months for all 16 and at one point the repayment to them was at over £1000 a month .... Talk about shameful, how embarrassing! There were monthly ones pretty much coming in and going out to payday UK too

That makes sense. Thank you both.

I know what your saying but I'm really unable to tell my partner about this. So if it does get to court and he has to go in person what would I do? Id be pretty screwed then ... Thanks for all help so far with this both of you

Well don't get me wrong if it was my debt Id be fighting all the way but this one isn't even mine .. .. On a side note looks as if we might be moving next week out of my mums house which is good news. Should I tell them he doesn't live here? Should I set up a payment plan and then try and claim some of it back via the irresponsible lending route? And maybe offer a full and final?

Yes it was, and Ill make sure not to name names in future ;-)

Found a case in September where asset collections applied for a ccj for a much less amount than mine over on another site

Oh wow! How dumb am I didn't even realise! I will have to redo them later if still needed? Thanks again

Sorry about the images, I'm trying to do it around work and my partner is in today. I can do them again later if your struggling to read them.

,,

Should I actually post up the letters that I have?

I really do appreciate your help thank you. I'm still gathering from Noddle, I will post up as soon as I have all the info. I have two letters from them and I don't think either mention Lending Stream as a client, I will check in a minute.

No not as yet, there doesn't seem to have been anyone take them over on the credit report since they went into closed accounts. Lending stream marked them as satisfied with a £0 balance of July this year. Do they (asset collections) need to have put them on my credit file and added a default before they can take further action? If so, can they do this if I don't reply to them and then apply for a CCJ?

Ok thank you I'll be on it inbetween work this morning. Ok quick one, lending stream are marked as satisfied balance £0 in July this year does that mean Asset collections have purchased them and I should worry about further action from them now?

Good morning, thank you. Will I need to email lending stream to get all the information for the loans? If I do a noddle credit report will other lenders see the address and be able to find him that way?

No worries, I'v just finished working anyway so ill have a browse around. Thanks

Thank you for your patience with me and your help so far on this, its much appreciated.

There were several loans taken out side by side anything upto 4/5 at a time with lending stream alone and yes they were all rolled and rolled .. . And yes other PDL and defaults all over his credit report.

Should I send a CCA request to them or something? Sorry I feel like I'm being a massive pain in the butt. My personal life is a disaster right now and a brown CCJ envelope falling on the door mat is the last thing my relationship needs right now - were living with my mum after selling our house and then couldn't complete on getting our new place due to partner being made redundant. This feels like it could be the straw that broke the camels back. I'm one phone call away from having a break down I have been reading some stories about Asset collections and I don't know if I can stay sane by just ignoring this letter .... Sorry for being mental

Thanks for putting me in the right place I'm just worried they can now go for a CCJ as they have given notice of it which I thought was a requirement?

The letter states intended action, between them and him. To ensure further action is not taken against you please notify us your intention to repay this outstanding balance within the next 10 days. In any event you should not ignore this letter and should respond to us by return to ensure that further legal action is not taken. If we have not heard from you by close of business 27/10/2016 we hereby notify you it is our intention to issue proceedings against you forthwith without any further notice to yourself. Please note that any court proceedings issued will include a further claim for interests and costs. It does sound as if its a letter before action that they have to give? Thanks Red

Last week my partner received a letter from asset collections, saying they will be going for a CCJ in 10 days if they don't hear from him. Iv been on various forums looking for advice since I opened the letter. I need to get in touch with them today/tomorrow to meet the 10 day deadline. They wrote back in early August but I telephoned and said he didn't live here. Then this today, I suspect that's to do with him getting a new (second hand) car recently and registering it here and also insuring it - although he paid the insurance in one go I think they still did a credit check. This is for multiple loans with Lending Stream (They were taken out at the same time and rolled over, not sure if this is relevant) I'm not sure what to do, I took the loans out a few years ago when we had bad money problems and he has no idea. Very stupid I know but I was trying to save us and save my relationship I did some pretty stupid things and now they are all catching up (we moved into my parents house a year ago and I'm now starting to dread the phone go and the postman coming like I used to, also got a letter from Lowell today - are those two connected? Do I have options or am I going to have to sort out a payment plan? He/I/We owe them just over £2000. Thanks for any advice