Hello, looking for a bit of advice regarding an issue I'm having with BG and the payments they arw taking. Basically they are insisting I pay a huge amount more than I use to get the account in credit by the end of the plan. There is currently an balan e of around £1000 on the account (dual fuel). They are asking for over £400 per month when my usage is around just over half that. I'm quite happy to pay more than I use to bring down the balance but not what they're insisting on as its just unaffordable. I remember reading somewhere that if you have an open complaint regarding account payments then they have to suspend any debt collection activity until the complaint is resolved. Is this true, as I'm quite happy to now go down this route and escalate to ofgem if needed. Thanks for any help

OK thank you

Hi. I've had a debt with barclaycard for a few years, the account was defaulted over a year ago and I have been paying them an agreed token monthly payment (£10). They have written to me to say they have now transferred the debt to PRA group and I should continue to pay them. It says any payment arrangement will stay in place for at least 6 months before they 'review' the account. I was quite happy to carry on paying BC, with a view to eventually paying off the full balance (just under 7k) but selling it on has annoyed me and I hate paying these leeches who have probably paid less than 10 in the pound for the debt . Is it worth sending them a CCA request straight away or leave it for a bit in the hope they will lose any paperwork in that time?

Well thats the first bit of (unexpected) good news I've had in a while! Thank you everyone for your help, a donation to the site will be incoming next pay day

So I've just gone into the claim online to start filing a defence, and this is in the Claim History box Your acknowledgment of service was submitted on 08/06/2022 at 20:42:23 Your acknowledgment of service was received on 09/06/2022 at 08:06:30 Notification that the claim against you was discontinued was received on 20/06/2022 at 19:06:20 I've had nothing via post or email to say they've dropped it. Is it really that easy?

The cpr 31 request has been sent, so waiting on anything to come back from that now. Do I go ahead and file a defence yet or leave it until nearer the deadline?

Question about the CPR31.14 request form. There is no solicitor mentioned anywhere on the claim, so do I just send it to the claimant? Also there are no documents mentioned in the particulars of claim, what should I be asking for, just the original agreement? THanks again in advance

So am I right in thinking the court can't add any more costs on, £470 is the most I could be liable for, and if they did find against me and I paid the £470 within one month the ccj would be erased?

Thank you for your help, I'll get onto that this evening. One quick question before I do, what would be the likely worst case scenario financially if I defended it and lost?

Which Court have you received the claim from ? MCOL Northampton Name of the Claimant ? Consumer refund serice Date of issue – 1/6/22 Particulars of Claim What is the claim for – 1. The claimants claim is for unpaid fees which have arisen for services supplied by the claimant to the defendant at the defendants request over a claim with Black Horse finance. 2. The defendant entered into a contract on 28/3/2019 to identify the mis-sale of ppi with the lender 3. The contract with the claimant requires that the defendant settles invoices within 14 days of the receipt of compensation 4. The claimant recovered total compensation over the aforementioned case paid directly to the defendant in the sum of £1654 5. Despite numerous attempts to secure settlement of the outstanding invoice no payment has been forthcoming AND as such the claimant claims the total sum of £397 plus interest under section 69 of the county courts act 1984 at a rate of 8% per year from 4/9/22 to 31/5/22 on £397 and also interest at the same rate up to the date of judgement or earlier payment t a daily rate of £0.09 What is the total value of the claim? £470 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No, I have received a couple of begging style letters from them, but nothing very official, and certainly not sent recorded delivery Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? n/a Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? PPI REclaim Fees When did you enter into the original agreement before or after April 2007 ? after Do you recall how you entered into the agreement...On line /In branch/By post ? post Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? no 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. Original creditor 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? no Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ? no Why did you cease payments? I asked them to cancel the contract so I could pursue it myself due to the time they were taking What was the date of your last payment? n/a 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

Thank you. Yes they are papers from a court. I will try and post a picture later

Hello, looking for some advice regarding fighting a court claim please. A few years ago I made a ppi claim using this company, this was before I learned how easy it was to do it yourself. Long and short of it is they took so long I wrote to them and told them not to bother as it was taking so long, and I started a claim myself, which was successful. I have now received court papers from consumer refund service saying I owe them their cut of the claim. Unfortunately I don't have proof of the letter I wrote them cancelling the original claim as it was on an older pc which died. Is it worth me trying to defend this or am I likely to end up with even more costs? THe amout they are claiming is £400 plus court costs Thanks in advance.

Wouldl like some advice please regarding a small debt to HMRC. I ceased self employment over 3 years ago. When I let HMRC know I was going back to paye they wrote to me telling me that any underpaid tax would be reclaimed from my tax code. As far as I can remember my account was all square anyway (I'm trying to find my old log in details to go back through it). However a couple of days ago I received a letter out of the blue from a debt collector called LCS claiming I owe £133 and how would I like to pay? No dates, or any other info from when this debt occured. Should I write back to them and tel them where to go, as as far as I'm concerned I don't owe HMRC a penny. Thanks in advance.

Interesting text from CRS today 'Lending Stream have authorised us to offer you a substantial discount on the balance owed to them' Hmm. Does that suggest CRS haven't actually bought the debt and LS are starting to struggle financially or is it just a carrot to try and get me talking to them?

Hello again. I've had a few emails from CRS asking for payment etc, but nothing actually threatening as yet. I received this today from Lending Stream. They have conveniently ignored the multiple times I tried to contact them in between, and the online self service thing is an out and out lie, there has never been an arrangement in place as they just kept ignoring my requests. Should I go back to them now or just sit tight and wait for the Ombudsman? Thanks again First of all, please accept our sincere apology for the delayed response, since the mass lockdown in March following the spread of Covid-19, we continued to maintain contact with our customers through our Live Chat service and by email. However, this has caused unprecedented volume of emails to work through, so we understand your frustration at the delay. You have two outstanding loans with us ***** which commenced on 10th January 2020 and loan **** which commenced on 1st February 2020. You contacted us on 26th March 2020 initially to let us know that you were laid off from work and unable to afford the repayments, however we can see that we had redirected you to online self service for you to set up suitable payment arrangement according to your needs. Further, we can also that you had set up a part arrangement on the loans **** & **** on 17th April 2020. On 22nd April 2020 we also shared a personalised link in our email to you if you wanted to make any changes to the existing arrangement. From your previous correspondence, you told us that you will be able to make smaller repayments and would contact us in June regarding payment plan as you will be back to work, however we did not hear from you thereafter seeking assistance in relation to the above. As we did not receive any payments towards the above loans, a Notice of Default (NOD) was issued on 4th July 2020 and Notice of Termination (NOT) was issued on 23rd July 2020. Further, the above loans were passed to Credit Resource Solutions (CRS) on 1st August 2020. In reference to concern regarding interest freeze or removal, we would like to reiterate that interest is charged according to the loan agreement and the same was informed to you at the time of borrowing the loan. We also find it worth mentioning that by signing the Credit Agreement, you confirmed that you are able to afford the loan repayments. So, we regret to inform you that we would not be able to freeze or remove the interest due to system restrictions, until a full arrangement is set on the account. Any full arrangement you set up with Lending Stream needs to be completed within 2 years. Again considering your current circumstances we don't think this will be a good option for you, so we suggest you to either work with CRS, who can help you set up arrangement according to your needs or you can even seek free external debt advise. If you think your condition is prolonged then you can get enrolled with Debt Management Company to help you with your repayments. If you have any questions regarding your outstanding loan you can also refer to your lending stream online account section. If you have any additional information that would be helpful in investigating this complaint, please send that to us. Otherwise, please consider this as our final response on the matter. You have the right to refer your complaint to the Financial Ombudsman Service, free of charge – but you must do so within six months of the date of this email. If you do not refer your complaint in time, the Ombudsman will not have our permission to consider your complaint and so will be able to do so in very limited circumstances. For example, if the Ombudsman believes that the delay was as a result of exceptional circumstances. For further information, please visit http://www.financial-ombudsman.org.uk If you need to contact us, the best way is by using our live chat option or replying to this email directly. You can also send us a message from our ‘contact us’ page in our website. We hope this is helpful and thank you for bearing with us. Regards, Lending Stream Complaints Team

I've now started to get phone calls as well as texts (which i cant block), is it ok to keep ignoring them or do i write to them telling them to go away? Thanks in advance

Hello again. I have recieved a text and emails from crs debt collectors, and also had acknowledgement and reference no. from the ombudsman of my original complaint.

Received the following emails today. Continue to ignore or go back to them now twlling them about the complaint and how they have completely ignored my requests for assistance again? We’ve tried many times to collect the outstanding balance on your loan, and to contact you to discuss an alternative, affordable, payment arrangement. In 7 days from the date of this email, we will assign your account to CRS, a debt collection agency. It’s important that you call us today on 0203 808 4440* to discuss an affordable payment arrangement, we are ready to help. Default sum: £843.49 Loan ID number: xxxxxxx We will transfer your account to: Agency: CRS Registration number: 04690879 Consumer credit licence number: 0536459 authorized and regulated by the Financial Conduct Authority Address: Rosemount House, Rosemount Estate, Huddersfield Road, Elland, West Yorkshire, HX5 0EE Phone: 01422 324 525 If you need free and impartial debt advice, you can also contact the Money Advice Service on 0300 500 5000* or at http://moneyadviceservice.org.uk. Please contact us at https://www.lendingstream.co.uk/contactus/ or on 0203 808 4440* if you have any questions. Thanks, Lending Stream Customer Service *Call charges apply. Standard charges from BT landlines, mobiles and other providers may vary. This email was sent by GAIN Credit LLC (trading as Lending Stream) | Contact Address: Lending Stream, Wisteria Grange Barn, Pikes End, Pinner, London, United Kingdom, HA5 2EX | Registered Address: 251 Little Falls Drive, Wilmington, DE 19808, USA | Registered in the State of Delaware, USA | Registration Number: 4124111 | Authorised and Regulated by the Financial Conduct Authority. Registration Number 689378. Delete Move to Forward

Thanks. What do you think the next step will be, are they likely to carry on trying or just sell it off to a debt collector?

Latest update yesterday they emailed me with termination notices, which I've copied below. I still have had no contact with them about my original complaint, I have also sent them an irresponsible lending complaint 3 weeks ago but again that has not even been acknowledged. Should I just sit tight for a bit longer or try to escalate things further, and with who? RE: Agreement Number XXXXXXX re refer to the Default Notice which we issued on 4-Jul-2020 in connection with the above Agreement. We note that the period during which you could remedy the Default has expired on 23-Jul-2020, and that we still have not received the Outstanding Payments in arrears. In the circumstances, we confirm that we have terminated your Agreement and that the amount you owe us is as follows: Outstanding Amount in arrears is £843.49 Details of Payments to be debited:-a. Loan Amount (excess to Outstanding Payments in arrears): £431.49b. Interest (excess to Outstanding Payments in arrears) : £397.00Total Outstanding Payments : £843.49 Also, the interest on the Outstanding Loan Amount will continue to accrue until the Total Outstanding Payments are paid. Hence, we request you to kindly pay the Total Outstanding Payments as soon as possible. You should be aware that we may take you to court and get a judgement against you requiring you to pay us the money you owe us under the Agreement, you may have to pay us both the amount of the judgement and interest under the Agreement on all the sums owed by you at the date of the judgement until you have paid these in full. This means that even if you pay off the whole amount of the judgement, you may still have a further sum to pay. If you do not settle the balance on your account we may transfer the responsibility for recovery of the debt to one of our debt recovery agents with a view to taking action for recovery. IF YOU HAVE DIFFICULTY IN PAYING ANY SUM UNDER THE AGREEMENT OR TAKING ANY OTHER ACTION REQUIRED BY THIS NOTICE, YOU CAN APPLYTO THE COURT WHICH MAY MAKE AN ORDER ALLOWING YOU MORE TIME.IF YOU ARE NOT SURE WHAT TO DO YOU SHOULD GET HELP AS SOON AS POSSIBLE. FOR EXAMPLE, YOU SHOULD CONTACT A SOLICITOR, YOUR LOCALTRADING STANDARDS DEPARTMENT OR YOUR NEAREST CITIZENS' ADVICE BUREAU. Please contact Lending Stream on 0203 808 4440* or at the above address if you wish to discuss this matter further. Regards, Customer Care Team Lending Stream *Call charges apply. Standard charges from BT landlines, mobiles and other providers may vary.

Since the last post on this thread I have sent a complaint to the FOS but have not heard anything from them as yet either, I'm guessing they're rather snowed under and on reduced staff so no real surprise. Still had nothing approaching help from lending stream but today they emailed me default notices for the loans, again demanding I phone them and pay up in full or they will begin court proceedings. Any advice as to how I should proceed please?

Administrators called in on June 29th. Shame (not).

Could I just ask when negotioating a payment plan/settlement with a creditor and they ask fo an I/E form, is this something I would be obliged to supply them with or could I just tell them I'm not prepared to give them that information? Thanks

I've just noticed on Sunny website that they are not currently accepting new loan applications. Given the amount of people that are likely to be falling behind on repayments due to the pandemic could this be the beginning of the end for another one?

today has been 8 weeks since I first wrote to them, and still I have had no reply other than a few more threatening standard emails. I really don't want to phone them but if they won't acknowledge any written communication then we are stuck. Is it now worth complaining to the FOS or FCA? Thanks