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  • #166
    Re: Lending Stream

    No. Wait for them to contact you and then post here before you reply. There is no need to contact then unnecessarily.
    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.

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    • #167
      Re: Lending Stream

      Originally posted by Natty View Post
      More texts from LS today advising of my missed payments.
      How many texts per day?

      Still not heard from P2P.

      SnV I know I sent the email to P2P advising to cease the CPA, should I not send them an email as to why I have not made the payment?
      However stupid they might appear to be, I expect they'll soon guess.

      Comment

      • #168
        Re: Lending Stream

        Originally posted by Natty View Post
        More texts from LS today advising of my missed payments. Still not heard from P2P.

        SnV I know I sent the email to P2P advising to cease the CPA, should I not send them an email as to why I have not made the payment?
        Nope - no need to do anything for now. Just update the thread when they make contact.
        "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

        • #169
          Re: Lending Stream

          Originally posted by CleverClogs View Post
          However stupid they might appear to be, I expect they'll soon guess.
          LOL - they might just do!
          "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

          • #170
            Re: Lending Stream

            SnV Will do. Not heard anything at all. BTW I did not respond to the last email the FOS sent me.

            Comment

            • #171
              Re: Lending Stream

              Originally posted by Natty View Post
              SnV Will do. Not heard anything at all. BTW I did not respond to the last email the FOS sent me.
              Fab! And it doesn't surprise me that you have not heard from them either.

              Thats fine about the FOS - give them another week and see if anything else comes back from them, and if not then we'll give them a nudge.
              "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

              • #172
                Re: Lending Stream

                Morning all, just dropped in to advise still no word from all three parties: LS, FOS & P2P.

                Comment

                • #173
                  Re: Lending Stream

                  Originally posted by Natty View Post
                  Morning all, just dropped in to advise still no word from all three parties: LS, FOS & P2P.
                  Hi Natty

                  Thanks for the update. So quick question - what would you prefer to do with P2P?

                  You've got a couple of approaches - you can either take on the fact that they may have been irresponsible with their lending criteria and refuse to pay back the loan, or you can look to negotiate a payment arrangement.

                  You could of course, just not pay them back, and ignore all communication, but I wouldn't necessarily advise that as it makes you look unreasonable.

                  Have a think about what you're comfortable with, and you don't have to have an immediate answer
                  "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

                  • #174
                    Re: Lending Stream

                    Hi SnV

                    Spoke to soon just had a text from LS chasing payment.

                    Regarding P2P I would not ignore them, as with all the worry I am not sleeping. Can we go down the negociate route., and also mention the irresponsible lending.

                    Not hearing from P2P is really stressing me.

                    Best wishes and thank you
                    Natty

                    Comment

                    • #175
                      Re: Lending Stream

                      Originally posted by Natty View Post
                      Regarding P2P I would not ignore them, as with all the worry I am not sleeping. Can we go down the negociate route., and also mention the irresponsible lending
                      Hi Natty

                      I know its really hard but please try not to let this worry you - the person in control right now is YOU, not them. Ask yourself this - if they were really bothered they would have been hounding you right?

                      Payday loan lenders KNOW that there will be a high default rate - its built into their business model, and is the reason their APR's are so high. Its high risk lending for them and in your case that risk has not paid off. Its tough luck, they know it, and they also know their hands are tied.

                      I'm travelling for work again today but will help you put together a letter for them tomorrow.


                      Originally posted by Natty View Post
                      Not hearing from P2P is really stressing me.
                      Remember - YOU are in control not them. You also have to remember that they are actually a US based company with very little operations in the UK. Their postal address is actually a mail forwarding service, this is nothing more than used to fulfil the requirements of registering a company where you have to have a physical premises for serving documents.

                      They rely heavily on automated IT systems, so if any of the details they have for you are incorrect/out of date they will struggle.

                      The worst that is going to happen here is they will sell your account to a UK based debt collection agency (likely Arc Europe) and we can deal with them as/when/if that happens.

                      What you also have to remember is that if they do not attempt to contact you this works against them also as they have to be able to demonstrate that they have made every effort to resolve this. If they've not bothered to contact you they cannot do that right?!
                      "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

                      • #176
                        Re: Lending Stream

                        Thanks SnV for taking the stress away a little and calming me and making things clearer.

                        A million thanks for your continued help.
                        I am really grateful for more time you are going to take assisting in another letter.

                        Kindest regards as always
                        Natty

                        Comment

                        • #177
                          Re: Lending Stream

                          Originally posted by SaltnVinegar View Post
                          So quick question - what would you prefer to do with P2P?
                          Shoot them?

                          Comment

                          • #178
                            Re: Lending Stream

                            Natty you've been Cloggied
                            if you do it today and you like it you can always do it again tomorrow

                            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

                            • #179
                              Re: Lending Stream

                              Thanks for making me laugh nanna & CC.

                              SnV,

                              I have had a number of missed calls from an international number yesterday & this morning. Looks like P2P may be trying to contact me. Howeve no voice messages have been left.

                              Comment

                              • #180
                                Re: Lending Stream

                                Great ignoring skills Natters x
                                if you do it today and you like it you can always do it again tomorrow

                                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

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