Lending stream whats the deal with these

[paxon]

Due to default at the end of the month

anyone had any dealings with these what they like for payment plans?

do they harrass you?

 

I have a loan of £220 over there wierd 6 month plan.

[Jamie Kingston]

they will harrass, read the other posts re lending stream and other lenders on how to deal with.

[paxon]

Does anyone have any dealing with these two.

Lending stream defaulted about 2 months ago and heard nothing at all, is that normal.

Payday express defaulted about 2 months ago as well. Had calls on me mobile and a text saying they will send one of there door to door collectors round, oh and they recently sent me a default notice.

I am waiting for these to be passed to dca’s as previous attempts to come to payment plans didn’t work as they said what I could afford was not enough.

So does anyone know how these companies operate and what dca’s they use?

[buddabing]

Payday Express are complete idiots. Even though I have repeatedly insisted that they don't call me, they still do.

 

Lending Stream have sent me letters but never call or respond to e-mails.

[Jamie Kingston]

my advice: payday express will come to an agreement, you can pay by standing order and i believe if you do it over 12 months they will probably accept. lending stream , same thing.

 

no offence, but if you owe them money they are obviously going to call you... what do you expect them to do? seriously, call them or email them say you dont have a card and can pay direct and come to an arrangement, then they'll stop calling you.

[buddabing]

no offence, but if you owe them money they are obviously going to call you... what do you expect them to do? seriously, call them or email them say you dont have a card and can pay direct and come to an arrangement, then they'll stop calling you.

 

I have spoken to national debt line who have confirmed that I can insist they deal with me only by e-mail. Being called 12 times a day by them constitutes harrasment. I have been advised to report them to the OFT and trading standards if it continues.

 

I have been in regular contact with them by e-mail but the call centre still rings me every day.

[Jamie Kingston]

they would only call you once a day if you answered (speaking from experience) put the boxing gloves down coz you can insist all you want, these bunch of crooks run on rules of their own (at least for now) ... just my advice to you.

[buddabing]

they would only call you once a day if you answered (speaking from experience) put the boxing gloves down coz you can insist all you want, these bunch of crooks run on rules of their own (at least for now) ... just my advice to you.

 

Advice from the National Debt Line (that I'm more inclined to take, seeing as I don't know you from Adam) is never speak to these people by phone.

 

To be honest, it's only pay day express who are being this cheeky. All the others have been very reasonable and are happy to deal with me in any way I see fit. Apart from Quick Quid though. They are psychos.

[Jamie Kingston]

lol (quick quid are psycos), national debt line - in my opinion an abolsute waste of time and whoever's paying them money, us on CAG know how to deal with almost every lender and can give and offer free advice to anyone who needs it. What i did was discuss on the phone and confirm everything after the call in writing - they stopped calling after that, your choice, good luck however you proceed.

[DioneOkeson]

I guess both are owned by one company only. You should keep an eye on them when they get back to business.

[sillygirl1]

Whenever they call send an email confirming caller name, time and the fact that you have requested everything in email, and keep the evidence in case they go to court.

 

I have seen one lot of particulars of claim stating the payday loan company had called to make an arrangement to pay but nothing happened, and when the evidence to the contrary was presented as part of the defence they caved in. On this occasion they had called three times a day on landline, twice on work phone and three times on mobile, each time the same email was sent, requesting they set up a payment plan of xxx on xxx date (to pay the loan back over 3 months) and no telephone calls...

[paxon]

Hi all,

A question for anyone who has had dealings with lending stream.

I defaulted with them about 7-8 months ago and have been waiting for them to make contact (buying time really) before I sort them out, but I have not heard I dickey bird from them?

Is this normal it’s like the debt has just disappeared the online account I have with them has been closed and there is no trace of them on my credit file?

[dulwich1980]

Hi - I'm about to default with them at the end of this month - did you make contact with them advising that you wanted to arrange a repayment plan at all?

[paxon]

No i had so many payday loans at the time i just let them call me as i didnt make the decision to default till the day before it happend, so i didnt have the time really.

[dulwich1980]

Interesting.. I must admit that when I've contacted them in the past they've been very slack in responding. Perhaps you've got away with it?

 

I recently defaulted with PDUK and my credit file was updated within a couple of weeks - not to reflect the default, but just to indicate the amount outstanding on my repayment plan.

 

Lending Stream's website simply says that they pass on information to credit bureaus so other lenders can see that you're repaid on time...

[dulwich1980]

Hi there - i was just wondering whether you've heard anything from LS yet? I defaulted on the 1st - sent them an email to advise and I've had one text on the 1st - but other than that i've not heard anything at all.

[paxon]

Dulwich,

 

I forgot to mention I received one letter about a month or two after defaulting saying

"We are disappointed you have not made payment please contact us to make payment asap"

That was it still have not heard a thing my finances are improving now so I am thinking of making contact soon ish, but I don’t want to look a gift horse in the mouth if you know what I mean!

[dulwich1980]

Has there been any notes made on your credit file at all?

[paxon]

No nothing and i have checked the main 2 expirian and equifax??

[slgsue]

I defaulted with them at least 7 months ago too and not heard a dicky bird either! Must say it is rather bizarre!!!

[paxon]

I defaulted with them at least 7 months ago too and not heard a dicky bird either! Must say it is rather bizarre!!!

----------------------------

I do agree I do hope this is not there ( l.s) plan to leave people for ages and them add on extreme interest and charges

[Cait116]

I defaulted with them end of January and have had a couple of emails from them after I asked about a payment plan. They sent me their bank details but refused to freeze interest/charges. I said I would not start paying them off until they agreed to freeze everything. Haven't heard anything else since February though. Does anyone know which DCA they use?

[dulwich1980]

Glo - any news on LS - they seem to have fallen off the face of the earth re my outstanding debt!

[Cait116]

not a dicky bird dulwich! Just wondering what they are up to tbh

[paxon]

The funny thing is i can't for the life of me find anything about them online or any other forums so i am compleatly in the dark.

 

You guys managed to find anything?