Lending Stream

[SaltnVinegar]

Re: Lending Stream

Hi SnV & everyone,

Still no update from P2P! They can take all the time they need. It is giving me more breathing space and has taken away some of the stress.

I will probably recieve the Ombudsman's decision in relation to Lending Stream shortly. However I do not think I will receive the decision I am hoping for. SnV what will my next step be if the decision is not want I want.

Which way do you think LS will go? I still require the answers to the points raised in my letter of 5 January. I also want to know why they waived loan number 2, stating "it did not meet their lending criteria". What sets this loan apart from the others.

Warmest wishes
Natty

Hi Natty

I think the best thing to do is to wait and see what happens and then respond appropriately, I don't think its going to help you at the moment dwelling on 'what if's'.

Enjoy the peace and quiet for now as it allows you to focus on your homelife.

Just so you know, I'm away with work next week so may not be around, but if you do hear anything just update the thread. Remember nothing is going to require an immediate response at this stage and there are lots of other peeps here who can offer support.

Best
SnV

[Natty]

Re: Lending Stream

Hi SnV & everyone,

Still no update from P2P! They can take all the time they need. It is giving me more breathing space and has taken away some of the stress.

I will probably recieve the Ombudsman's decision in relation to Lending Stream shortly. However I do not think I will receive the decision I am hoping for. SnV what will my next step be if the decision is not want I want.

Which way do you think LS will go? I still require the answers to the points raised in my letter of 5 January. I also want to know why they waived loan number 2, stating "it did not meet their lending criteria". What sets this loan apart from the others.

Warmest wishes
Natty

[nanna58]

Re: Lending Stream

You have a good weekend too xx

[Natty]

Re: Lending Stream

Hi SnV,

Just to let you know I have now sent my email to the FOS. I have attached the original complaint letter and the email from LS advising they have wrote off one of the loans, as it did not meet their lending criteria.

Have a good weekend.

Warmest wishes
Natty

[Pixie]

Re: Lending Stream

.

Long may the silence continue!

Couldn't agree more!

[SaltnVinegar]

Re: Lending Stream

Hi SnV,

Regrettably I cannot find any emails from LS when I initally took out the loans. I have trawelled through all my email boxes to no avail.

I have this email I received on the 5 April 2015 I could attach with my inital letter: Please let me know what you think?

Yes for sure send it to them - it shouldn't count against you.

Pounds to Pocket update!

P2P emailed me on the 2 May advising they will look into my complaint and update me within 8 weeks. It is now 10 weeks since I heard from them.

Long may the silence continue!

[nanna58]

Re: Lending Stream

Love to dad Natty xx

[Natty]

Re: Lending Stream

Hi SnV,

Regrettably I cannot find any emails from LS when I initally took out the loans. I have trawelled through all my email boxes to no avail.

I have this email I received on the 5 April 2015 I could attach with my inital letter: Please let me know what you think?

Lending Stream is committed to being a responsible loan provider and we strive to provide positive outcomes for our customers. During a periodic review of our lending process, we identified your loan account xxxxxx as an instance where the loan does not reflect our current lending criteria. Consequently, we have made the decision to write-off the outstanding debt associated with this loan and close it immediately. We will also ensure that any negative credit marks associated with this loan are removed. There is nothing for you to do, you will not be required to pay back the balance of this loan. Should you have any questions, please contact us on 0203 564 7028*. Warm Regards, Lending Stream Customer Service

Pounds to Pocket update!

P2P emailed me on the 2 May advising they will look into my complaint and update me within 8 weeks. It is now 10 weeks since I heard from them.

Warmest wishes

Natty

[Natty]

Re: Lending Stream

Hi Natty

Hope all is well with you at home and dad is on the mend now. Things will start to seem much brighter once he's on his feet and getting out and about.

How did you get on with the above - have you managed to find all the emails that LS have sent to you. What I am specifically interested in is any emails sent to you during the application process. We need to know whether they have provided you with the information they are legislatively required to do so, and if it was adequate.

Best
SnV

All fine here SnV - Dad has been doing well. however he went for his 6 week check up today and there is an issue. It can be serious but it has to be monitored. He is up and about and the consultant said when he seen him, that he looked extremely well considering what he had been through.

I have not had a chance to look through my emails, however I am going to give this my full attention over the weekend. I will let you know what I find.

Really appreciate your continued support.

Have a good weekend and I will update you soon.

Warmest wishes
Natty

[SaltnVinegar]

Re: Lending Stream

SnV, I will have a look through my emails and see what I can gather.

Hoe you are keeping well.

Hi Natty

Hope all is well with you at home and dad is on the mend now. Things will start to seem much brighter once he's on his feet and getting out and about.

How did you get on with the above - have you managed to find all the emails that LS have sent to you. What I am specifically interested in is any emails sent to you during the application process. We need to know whether they have provided you with the information they are legislatively required to do so, and if it was adequate.

Best
SnV

[Natty]

Re: Lending Stream

Hi Natty

I would send them a copy of your original complaint letter.

Do you also have any emails from LS during the application process, that omit pre-contract information etc? I would like us to establish that they did not provide this info.

Best
SnV

SnV, I will have a look through my emails and see what I can gather.

Hoe you are keeping well.

[SaltnVinegar]

Re: Lending Stream

Hi SnV,

I have received this update from the FOS:

Dear Natty,

Thank you for your email and letting me know you would like your case reviewed by an ombudsman for a final decision.

I’ve attached a factsheet which goes into more detail on how the ombudsman process works.

We allow you another opportunity to add comments or further evidence which you feel is relevant in supporting your view of the complaint. If you have anything further to add, please can you send this to me no later than 20 July 2015. If you need more time please let me know.

Thank you in advance - if you have any questions in the meantime, I’ll be happy to help.

Kind regards
Adjudicator
Financial Ombudsman Service

Hi Natty

I would send them a copy of your original complaint letter.

Do you also have any emails from LS during the application process, that omit pre-contract information etc? I would like us to establish that they did not provide this info.

Best
SnV

[SaltnVinegar]

Re: Lending Stream

I must still be in the "Too difficult to deal pile" as still not heard from P2P

Thats good, though they have 8 weeks to provide a final response (though that date is fast approaching!).

Longer it takes them, the longer it benefits you

[Natty]

Re: Lending Stream

Hi SnV,

I have received this update from the FOS:

Dear Natty,

Thank you for your email and letting me know you would like your case reviewed by an ombudsman for a final decision.

I’ve attached a factsheet which goes into more detail on how the ombudsman process works.

We allow you another opportunity to add comments or further evidence which you feel is relevant in supporting your view of the complaint. If you have anything further to add, please can you send this to me no later than 20 July 2015. If you need more time please let me know.

Thank you in advance - if you have any questions in the meantime, I’ll be happy to help.

Kind regards
Adjudicator
Financial Ombudsman Service

[Natty]

Re: Lending Stream

That's good about your dad and the silence!

It is Cymruambyth. Long may it continue.