Help with payday loan companies in arrears

[asmilecostsnothing]

What are your bank doing? as these transactions must have 'cleared' now if are showing - don't leave chargeback the bank will send you a form to sign and return

 

where you've also got double transactions showing - have the companies said they rolling your loans now as they seem to have debited the amounts?

 

Surely their in a sticky position if there is no communication but then there's your previous email from Wonga?

 

The dating stuff I think can also be linked into loan brokers/entering details online to so be careful but you should also be able to challenge, wish I didn't know that but hey ho!

 

Get rid of that bank account as soon as you can - cause in my experience once brokers have your details they don't stop

BUT keep every statement and details of the account - that's what I'd do someone might say different or know better

[renegadeimp]

Agreed. Somethings not quite right here. It sounds like someone has your details and is using it. Get rid of it, and get another.

 

You also need to start chargebacks with lending stream and PDE, unless you told them they can debit two amounts from your account. You also need to get in touch with the OFT and also get an official complaint in with each PDL so you can notify the FOS and have them investigate.

[pleasehelpmethankyou]

right thanks for help again everybody

 

i have just spoken to the bank and they said because i have received money from wonga e.t.c they can not do chargeback!!I stood my ground but got nowere and gave up

 

getting me down this , how do i start the procedure of doing chargebacks through the companies and complaining?

 

Thanks all sorry getting frustated

[asmilecostsnothing]

Yeah something is defintely suss. Send letter of complaint to all so your covering yourself (even if it is by email) and then wait for final response - as Ren says CC. yourself and you have proof of sendingeven with the bank you can go to the FOS I also had a friend go the CAB and found them helpful because they wrote to the bank for her and were insistant money taken should be returned owning to her vulnerable position even if it was a couple of weeks later, and it was so there is hope for you too x

[renegadeimp]

right thanks for help again everybody

 

i have just spoken to the bank and they said because i have received money from wonga e.t.c they can not do chargeback!!I stood my ground but got nowere and gave up

 

getting me down this , how do i start the procedure of doing chargebacks through the companies and complaining?

 

Thanks all sorry getting frustated

 

Issue a complaint to the banks complaints department

[pleasehelpmethankyou]

thanks again all

 

it is so frustating when my emails are not replied to by these companies but they are still happy to ring and text me 10 times a day

[pleasehelpmethankyou]

just had an email response from lending stream to my complaint about them taking £160 without permission

 

"Good Afternoon Mr.Bxxxxxx,

 

Thank you for your email.

 

We understand that you have been put through inconveniences because of us, We would request you to provide us with a contact no and the right to reach you, as this issue needs to be discussed over the phone.

 

Sorry for the inconveniences caused to you. We sincerely apologize to you for the same.

 

Regards,

Customer Care Team

Lending Stream

Email: info@lendingstream.co.uk Website: www.lendingstream.co.uk"

 

 

firstly the english they use is awful which probably tells you a lot, i have no intention of phoning them or letting them phone me. Any ideas of a good email response to this?

 

thanks again

[pleasehelpmethankyou]

this has just made me laugh for the first time in about 4 weeks from there website

 

"Can I discuss alternative repayment options with you?

You are welcome to discuss alternative repayment options with us. Please email us at payments@lendingstream.co.uk and we'll be happy to get in touch with you."

[renegadeimp]

It does not need to be discussed over the phone at all. Theyre doing it because they can try something and youll have no evidence of it unless you record it.

[pleasehelpmethankyou]

As stated before i currently am unable to make the payments you require.

 

By you taking the payments without my authorisation you have only made my situation worse.

 

As per my previous email if you do not issue a full refund within 3 working days i will envoke a chargeback on these payments.

 

xxxxxxxxxxxxxxxxx

 

 

 

that is my reply

[renegadeimp]

Go to your bank. Report the card as stolen. Tell them. under r.55 Payment Services Regs 2009, they are required by law to cancel any and all CPA's on your account.

[pleasehelpmethankyou]

thanks rene

 

all of a sudden lending stream are replying to my emails within seconds which is a change

 

they need to talk to me to clarify the refund

 

i do not think so

[renegadeimp]

They can clarify it perfectly fine through email. They dont need to talk to you on the phone to do so.

[pleasehelpmethankyou]

Go to your bank. Report the card as stolen. Tell them. under r.55 Payment Services Regs 2009, they are required by law to cancel any and all CPA's on your account.

 

 

i am worried if i do this they will not be able to refund the payments to the card?

[pleasehelpmethankyou]

also i apologise for posting so much i dont expect such excellent responses so quickly but they are appreciated

 

posting here as well as helping me is like talking out loud and helps me feel a little less stressed.

[renegadeimp]

No need to be sorry. Thats what these forum are here for. If you have any questions or concerns feel free to post.

[quackquack]

I phoned lending stream and they were extremely helpfull so in some cases it can work but best to keep it by email

Edited April 25, 2012 by quackquack

[renegadeimp]

True quack. However, a creditor should NEVER be contacted by phone unless you have the ability to record the call.

Edited April 24, 2012 by renegadeimp

[quackquack]

Yes

Edited April 25, 2012 by quackquack

[toptrapper]

Quackquack, sorry to be a pessimist, but having been on the end of "forgotten calls" in the past, it might be worth e-mailing them confirmation of what was discussed, when and who with. At least that way if the call mysteriously disappears, you'll at least have a record that you e-mailed to Lending stream. Good luck.

[quackquack]

Ok

Edited April 25, 2012 by quackquack

[quackquack]

Never touch again

Edited April 25, 2012 by quackquack

[quackquack]

As u see from peoples posts on forums some take our advice some dont

Edited April 25, 2012 by quackquack

[MARTIN3030]

renegadeimp's post 34 follows the line that this site has always advocated,and for reasons which are well reported.

Communications should ALWAYS be done in writing,unless there is provision for recording the calls and that logs are included.

quackquack,while the calls may have worked for you,this is not how it pans out in the vast majority of cases,and The CAG needs to be seen to be representing those.

 

Our stance and guidance on these points should be made clear then,to anyone following these threads.

In writing only,keeping a copy with proof of posting,and demanding a reply in writing.

[pleasehelpmethankyou]

thanks for the clarification martin