letter sent to lending stream ref unaffordable claim -but still getting emails almost daily

[aerobird]

hi there,

(husband got into mess with gambling and substance abuse so took out loans)

i found out about it all & sent an email and recorded letter to lending stream ref unaffordable claim as they kept giving him money along with other lenders

we are on day 38 of the complaint being acknowledged and investigated.

 

still getting email threatening debt collection for the interest balance along with the rate rising daily.

do we need to send anything to them to stop this or await the 8 week deadline? 

[dx100uk]

you mean from fleecing DCA's that the loan(s) have been sold too?

[aerobird]

no sorry, they are saying they will send it to debt collectors and impact credit file

[dx100uk]

No harm in blocking and bouncing them

You are under no obligation to use or ack emails

Writing only

[aerobird]

thank you, i assume that they are just using harassments techniques to scare people into paying 

[dx100uk]

would have been defaulted years ago i'm sure.

when did he take it out?

 

dx

[aerobird]

he took it out end last year, kept paying lumps to it and then borrowing off another pdl, then reborrowing. it was a constant cycle

when i found out i rung and settled them all. lending stream wouldn't take calls so i paid to the amount of they loaned, then sent a complaint letter. this was January

[dx100uk]

well i expect his credit file is/was already shot anyway so , won't hurt anymore to get it defaulted then 

 

if his credit file was already shot when he took any of these loans out ...

it looks like you've done irresponsible lending complaints to each of them?

 

 

[aerobird]

oh for sure that was shot totally already. i took screenshots of loans etc before i rung them and sent complaints just in case.

[dx100uk]

these were irresponsible lending complaints not just a general moan

there is a format to keep too

and a guide here

[aerobird]

yes, slightly different to your format, more basic but had all the stuff like unaffordable, bad credit along with other loans etc

i wish i saw yours before i sent it