Hello again. So things have moved on slightly now. I tried calling but couldn't get through, I can't sit on hold indefinitely. I wrote to them (recorded delivery) nearly two weeks ago but still haven't heard anything back, yet they still keep sending threatening emails. Shoud I now esalate a complaint with the financial ombudsman or FCA? Obviously I want to avoid any further damage to my credit record but it does seem that they are completeley ingnoring me? Thanks

Thanks Believe it or not they actually emailed me back finally yesterday Not very helpful, tried to pressure me into paying half of the outstanding payment and offered to only stop charges/interest if I did. Oh well can't give them what I haven't got

Hello, I am looking for a bit of advice regarding loans I have with lending stream. I've not had any problems paying until a few weeks ago I was laid off work on hugely reduced pay due to the virus. I wrote to ls to explain the situation, asking them to place the accounts on hold until I was back at work full time hopefully in a couple of months. I got an acknowledgement back saying they would be back in touch within a week but I have heard nothing. I have also emailed them through the help page on their website but have not had any replies. I know they have received the emails as I get an automated reply with a 'ticket no.' again saying they will respond within 7 days, but nothing back. All I do get from them are emails telling me I am behind on my payments, they are damaging my credit score and I need to call them. It's obvious they are also adding further charges while this is going on. How should I proceed? I wanted to keep everything in writing but should I give in and call them? Thanks in advance for any help.