Lending Stream

[Natty]

Re: Lending Stream

Hi SnV,

Firstly I would like to thank you for the detailed post.

At the time that may have been my disposable income due to doing overtime, ( I really wish I would have kept a copy of what information I gave LS). However my circumstances have changed as I am helping my parents with bills, due to being at home.

I was thinking of either option 1, 2 or 3, I only wish I was strong enough to go with option 4.

I really value your opinion SnV out of options 1,2 or 3, which do you think I am best going along with?

Best wishes

Natty


p.s When you have some spare time can you also assist in a letter to P2P

[SaltnVinegar]

Re: Lending Stream

Hi Natty

Ok, bit of homework for you before we start writing letters. Could you go to the following website please, and establish your financial affairs and what you may be able to afford to offer.

https://nedcab.cabmoney.org.uk/quickfs.asp

This is a really good site, that uses the common financial statement format, so should give you accurate calculations.

Best
SnV

[Natty]

Re: Lending Stream

Hi SnV,

I have been doing some calculations this past week, I was going to offer between £75 - £100 per month each for the LS total balance & the P2P, but I will log all in the website to check, as I do not want to leave myself short each month.

btw that site looks extremely helpful.

many, many thanks

[Undercover Elsa]

Re: Lending Stream

Hi Natty,
There are National trigger figures relating to how much you're allowed to claim on various sections such as housekeeping, phone and travel, depending on your family circumstances.
If you want to email me a copy of the Nedcab I&E once you've completed it I'll make sure you're claiming your allowable expenses (or not exceeding them).

Elsa x

[Natty]

Re: Lending Stream

Good morning Elsa,

Many thanks for your advice & kind offer. I do not have access to a desktop at the moment and using a tablet, therefore unable to save the I&E form.

I am single and do not have children, however I pay towards bills at home, as I am living with my parents.

Please can you advise were I can see the trigger levels?

Best wishes
Annette

[Undercover Elsa]

Re: Lending Stream

You can't see them, they're a closely guarded secret, unfortunately. I'll pm you some tips though.

[SaltnVinegar]

Re: Lending Stream

You can't see them, they're a closely guarded secret, unfortunately. I'll pm you some tips though.

Thanks Elsa

[Natty]

Re: Lending Stream

SnV,

I have just realised that when I set up my P2P loan I used my other email address which I no longer use. I have just found 7 emails from them, the last one received was Friday 13 February:

Dear Natty
Customer ref: xxxxx

Thank you for your most recent correspondence. Your e-mail has been received and noted.

Natty as stated in the January 29, 2015 e-mail we sent. your Continued Payment Authority was stopped as of that day.

Your debit card was removed from our system on January 26, 2015.

Natty please make us aware as to what has transpired since loan origination that you are unable to pay loan. We may have a program that can assist you.

Your loan is currently in default for 191.04.

If any further questions or concerns, please contact us at your earliest convenience.

WARNING: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

Pounds to Pocket Collections
Direct Line: 0800 016 3111
Fax: 0808 234 9350
collections@poundstopocket.co.uk
www.PoundstoPocket.co.uk

[CleverClogs (RIP)]

Re: Lending Stream

Dear Natty
Customer ref: xxxxx

Thank you for your most recent correspondence. Your e-mail has been received and noted.

Natty as stated in the January 29, 2015 e-mail we sent. your Continued Payment Authority was stopped as of that day.

Your debit card was removed from our system on January 26, 2015.

Natty please make us aware as to what has transpired since loan origination that you are unable to pay loan. We may have a program that can assist you.

Your loan is currently in default for 191.04.

If any further questions or concerns, please contact us at your earliest convenience.

WARNING: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

Pounds to Pocket Collections
Direct Line: 0800 016 3111
Fax: 0808 234 9350
collections@poundstopocket.co.uk
www.PoundstoPocket.co.uk

If they imagine that constitutes an acceptable form of default notice under sections 86E (link) or 87 to 89 (link) of the Consumer Credit Act 1974, they are seriously deluded. Not only was it a statement of sums in arrears, as described in sections 86B (link) and 86D (link)of the Act, it also failed to enclose or include any trace of the OFT Information Sheet as described by section 86A (link). A notice of sums in arrears is required after two successive payment have been missed.

Is P2P based in the American colonies, where compliance with English Law seems to be considered to be optional?

[Natty]

Re: Lending Stream

CC, they are based in the U.S.A.

[Natty]

Re: Lending Stream

Hi SnV

Have you had a chance to see my latest posts, I am just getting anxiious as I need to respond to p2p & the FOS.

Sorry to be a bother

Natty

[cymruambyth]

Re: Lending Stream

Hi Natty, as usual I'm going to tell you not to worry! Never reply promptly, just wait a few days; SnV will have a look and suggest a best course of action. Just remember it is only money, nothing important. Worry about your family, not this.

[Natty]

Re: Lending Stream

Thanks Cymru,

I know you are right, I just cannot help the way I am.

I hate to bother & pester SnV, as he has spent so much time assisting me.

[SaltnVinegar]

Re: Lending Stream

Hi Natty

Its ok you've got lots of time - you're only going to send them an email so thats an instant response

Most important thing - have you had opportunity to run through the Nedcab figures?

SnV

[Natty]

Re: Lending Stream

Hi SnV,

so sorry for the late response, I have been at the hospital today. Yes I have sorted my figures and I have £136 to share between LS & P2P.

Did you see my posts about the P2P emails, they have been trying to get in touch with me since the end of January. I forgot that I registered and other email address with them,

Best regards

Natty