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  • #61
    Re: Lending Stream

    Hi Natty, sorry to hear that everything is happening at once. I can't help, but SnV will be along with more advice as he is our payday specialist.
    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

    Comment

    • #62
      Re: Lending Stream

      Hi Cymruambyth,

      Thank you. We all go through tough phases at some point In our life. Just thankful I came across this forum.

      Comment

      • #63
        Re: Lending Stream

        Originally posted by Natty View Post
        Thank you SnV and everyone who has shown support since my first post. I am grateful to each and everyone of you for your guidance. I know I have said this before but I am truly humbled by you all.

        I have so much going on in my life at the moment (post people do) my Dad has not been well since the beginning of December and had to have a CAT scan a couple of days ago. The hospital called on Friday afternoon and he has to go and see the consultant on Monday. My Mum & Dad are my back bone. I would never ever put my problems on their shoulders. I pray my Dad gets postive results ��

        SnV as I mentioned in my initial post, I have a pounds 2 pockets loan i took out in August 2014 for £1100. Payments have been approx £179 per month since then. In November I rolled the loan over, so I have to make a monthly payment of £179 until November 2015.

        I have not missed a payment as yet, my next payment is due on the 30.01.15, however I will not be able to make the full payment.

        Please can you offer some guidance and how this company operates to customers who cannot make full payment?
        Hi Natty - sorry to hear you've been having a tough time - have a look around the forum as we don't just deal with debt issues and theres help and support on family stuff too

        http://forums.all-about-debt.co.uk/f...4-allabout-YOU

        With regard to P2P, you may recall I mentioned they are all part of CasheuronetUK (who operate several other payday loan companies). Their attitude is usually to harass and refuse payment offers until the debt is 6 months or so in default (so they can add up charges etc), and mainly sell debts on to Arc Europe (a debt collection agency).

        Could you provide the same information that you did for Lending Stream Please?

        Question is - what do you want to do? What is the maximum that you could afford to offer them if you were to set up a monthly payment plan?

        Best
        SnV
        "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

        The consumer is that sleeping giant.!!


        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

        Comment

        • #64
          Re: Lending Stream

          Thanks SnV, what a resourceful site. Thank you for the link and support.

          Pounds 2 Pocket

          • Date loan taken out: (1st loan 30.08.14 £1150). & (2nd loan 04.12.14 £1145.31)
          • Amount of loan. Current loan £1145.13
          • Amount paid to date: £716.16
          • Date a payment was last made: 31.12.14
          • Status (i.e. have you discussed a payment arrangement)? NO
          • Did you have to fill out an application form and do you have a copy? YES filled in online, however no copy.
          • Were you given any pre-contact information or fact sheet so you could assess the affordability of the loan that was being offered to you? NO
          • Were you given a Risk Warning at any point during the application process (ie. told something along the lines of 'make sure this product is right for you'. NO
          • Were you given a credit agreement and if so do you have a copy? I have a contract that is located on my online account with P2P
          • Did you at any time 'roll over' (or did you 'reloan') and if so how many times? YES. In Decemcer 2014
          • When was the last time you sent any correspondence to them (either by email or post) and have you kept copies of any of the correspondence that you have with them? I have not sent any correspondence



          My next payment s due on the 30.01.15, I would be able to manage £80 per month.

          Comment

          • #65
            Re: Lending Stream

            This is in regards to the FOS Complaint received on behalf of XXX (FOS ref no.XXX

            As per our telephonic conversation with XXX dated 19-Jan-2015, we requested for an extension till 22-Jan-2015. However, we are still in the midst of gathering all the required information and would be able to supply the details by Friday, 23-Jan-2015.

            We will appreciate your patience and understanding in this matter.

            Just an update I have just been copied into the above email.

            Comment

            • #66
              Re: Lending Stream

              I know SnV has a life and I do so appreciate his guidance, I notice he had not been around the past couple of days. I hope he is ok.

              Comment

              • #67
                Re: Lending Stream

                Originally posted by Natty View Post
                This is in regards to the FOS Complaint received on behalf of XXX (FOS ref no.XXX

                As per our telephonic conversation with XXX dated 19-Jan-2015, we requested for an extension till 22-Jan-2015. However, we are still in the midst of gathering all the required information and would be able to supply the details by Friday, 23-Jan-2015.

                We will appreciate your patience and understanding in this matter.

                Just an update I have just been copied into the above email.
                Hi Natty,

                looks like a positive response even if just a short lived one - this shows that they are at least attempting to keep you and FOS informed which is a good sign if you ask me.

                I wouldnt expect that there will be much else to add until after they have responded on Friday .
                I am an IT Professional with a Background in most Microsoft Based Technologies. Currently Proud to Work at one of the Leading UK Universities. I have that Mentality of "If I can provide Useful Input - then I will Try my best to do so"

                Life is full of Ups and Downs. Shame it just aint simple.

                Comment

                • #68
                  Re: Lending Stream

                  Originally posted by Natty View Post
                  Thanks SnV, what a resourceful site. Thank you for the link and support.

                  Pounds 2 Pocket

                  • Date loan taken out: (1st loan 30.08.14 £1150). & (2nd loan 04.12.14 £1145.31)
                  • Amount of loan. Current loan £1145.13
                  • Amount paid to date: £716.16
                  • Date a payment was last made: 31.12.14
                  • Status (i.e. have you discussed a payment arrangement)? NO
                  • Did you have to fill out an application form and do you have a copy? YES filled in online, however no copy.
                  • Were you given any pre-contact information or fact sheet so you could assess the affordability of the loan that was being offered to you? NO
                  • Were you given a Risk Warning at any point during the application process (ie. told something along the lines of 'make sure this product is right for you'. NO
                  • Were you given a credit agreement and if so do you have a copy? I have a contract that is located on my online account with P2P
                  • Did you at any time 'roll over' (or did you 'reloan') and if so how many times? YES. In Decemcer 2014
                  • When was the last time you sent any correspondence to them (either by email or post) and have you kept copies of any of the correspondence that you have with them? I have not sent any correspondence



                  My next payment s due on the 30.01.15, I would be able to manage £80 per month.
                  Ok, so if no pre-contract information was provided, and no risk warning provided, then this works for you slightly.

                  I just want to confirm that you also cancelled the CPA with your bank for this company also - not just LS, wasn't quite clear in your initial postings.

                  When you rolled over the loan in December - were you sent a new consumer credit agreement to sign?
                  "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

                  The consumer is that sleeping giant.!!


                  I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                  If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                  Comment

                  • #69
                    Re: Lending Stream

                    Hi Kilasuit

                    I really did not expect LS to respond so quickly, not after reading some of the dealings in other cases. As SnV said maybe, just maybe the FOS picking this case up so quickly may just help my case. Also LS would have received SnV letter by now.

                    Comment

                    • #70
                      Re: Lending Stream

                      Originally posted by Natty View Post
                      This is in regards to the FOS Complaint received on behalf of XXX (FOS ref no.XXX

                      As per our telephonic conversation with XXX dated 19-Jan-2015, we requested for an extension till 22-Jan-2015. However, we are still in the midst of gathering all the required information and would be able to supply the details by Friday, 23-Jan-2015.

                      We will appreciate your patience and understanding in this matter.

                      Just an update I have just been copied into the above email.
                      Hi Natty - who is copying you on the above emails?
                      "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

                      The consumer is that sleeping giant.!!


                      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                      Comment

                      • #71
                        Re: Lending Stream

                        Originally posted by Natty View Post
                        I know SnV has a life and I do so appreciate his guidance, I notice he had not been around the past couple of days. I hope he is ok.
                        I'm fine, thanks for asking

                        Unfortunately my day job keeps me away sometimes, don't worry though I keep tabs on dates in the threads in this section to remind myself when responses are needed!
                        "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

                        The consumer is that sleeping giant.!!


                        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                        Comment

                        • #72
                          Re: Lending Stream

                          No worries SnV, just glad you are ok.

                          LS are copying me into the responses to the FOS.

                          Comment

                          • #73
                            Re: Lending Stream

                            Originally posted by Natty View Post
                            No worries SnV, just glad you are ok.

                            LS are copying me into the responses to the FOS.
                            Right - well lets see what they say

                            Just want to check you didn't miss post 68 too:

                            http://forums.all-about-debt.co.uk/s...l=1#post472450
                            "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

                            The consumer is that sleeping giant.!!


                            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                            Comment

                            • #74
                              Re: Lending Stream

                              I did miss post 68, and was just about to respond and I seen your new post asking had I seen it.

                              So sorry if I am confusing you and not making myself clear.

                              i did cancel the P2P CPA with my bank. I was given a new loan agreement reference, I am unsure if I actually signed a copy? I will check now.

                              Comment

                              • #75
                                Re: Lending Stream

                                This is a Credit Agreement regulated by the Consumer Credit Act 1974. Sign it only if you want to be legally bound by its terms.
                                Signature(s) of Debtor(s):
                                MY NAME PRINTED

                                I AGREE: X
                                00:37 AM on 04 December 2014

                                SnV

                                I have found the above that is stated on the new contract, however I do not remember seeing this. I am unsure, it has my name and address printed below were it states signature? And an X in the agree box.

                                Comment

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