Lending Stream

[Natty]

Re: Lending Stream

SnV,

Thank you for getting back to me, truly sorry to interrupt everyone's weekend.

Ok I will email the FOS with my offer of £66 providing all charges and interest is frozen, and see what happens from there.

I will await and see what happens with P2P after the second failed payment.

warmest wishes

Natty

[Natty]

Re: Lending Stream

I have just sent my email to the FOS person, however just received an "out of office message" saying not back in until the 02.03.15

[cymruambyth]

Re: Lending Stream

That's fine. You have replied as required; keep the response. Your email will either be dealt with by someone else or sometime after the 2nd.

[oscar]

Re: Lending Stream

I seriously would not worry Natty.

Many of us have been chased for debts much larger than yours, not that really matters, but we do understand your worry.

However, as some of us has said - nothing will happen tomorrow or the day after, it wont happen next week and its unlikely to happen next month.

I know you are worried, and you have other issues - concentrate on them. You have responded to FOS, let them contact you now. You are also still awaiting a response to your complaint.
Do not chase a response, wait for them, it will all help you in reaching a settlement or outcome that benefits you.

[SaltnVinegar]

Re: Lending Stream

I will await and see what happens with P2P after the second failed payment.

Nothing will happen beyond what happened with the first payment

Just to give you an idea, Casheuronet took 3 years before they sold one of my accounts to a 3rd party debt collector so nothing is going to happen for some time!

Simple fact is this - they know theres not much they can do about this. They don't want to go to court as they don't want their lending practices exposed to the legal system, as any precedent that is set could bring down the entire short term lending industry. So instead all they will do is bully and harass to pressure you into making a payment.

You will deal with this when YOU are good and ready and on your terms - not theirs

- - - Updated - - -

Do not chase a response, wait for them, it will all help you in reaching a settlement or outcome that benefits you.

Indeedy - time is your friend always

[Natty]

Re: Lending Stream

Just wanted to say a huge thank you to everyone who responded last night!

Unbelievable responses when I needed it! It was not a good day yesterday.
X

[cymruambyth]

Re: Lending Stream

Natty, don't forget that there are other places where you can post and get support on random things without judgement or anyone knowing who you are! There is also a 'bar' where you can chill and have a laugh or let off steam.

[Natty]

Re: Lending Stream

A bar with free drinks! The perfect forum

[Natty]

Re: Lending Stream

I have just logged into my old email account and there is a total of 16 emails in my inbox from P2P.

Although I have sent my emails from my new address they are still responding to that address! They state in the latest email that they are an on line company and do not have any contact numbers for me?

Do they not look at the email address that I am currently using.

[cymruambyth]

Re: Lending Stream

That's fine, if they don't have any contact numbers then they can't ring! Just check your email address every now and then.

[SaltnVinegar]

Re: Lending Stream

I have just logged into my old email account and there is a total of 16 emails in my inbox from P2P.

Although I have sent my emails from my new address they are still responding to that address! They state in the latest email that they are an on line company and do not have any contact numbers for me?

Do they not look at the email address that I am currently using.

What bullshit - online company or not they still have to follow the provisions of the Consumer Credit Act.

Don't worry about them emailing your old address - its their stupidity to carrying on doing so.

[nanna58]

Re: Lending Stream

Join us in the bar there's free food drinks.

[Natty]

Re: Lending Stream

Just received this via email.

Your next loan payments are due by 2015-02-27and you still have a total outstanding balance due of £1286.80.We have not received them either because your debit card account information has changed, there's not enough money in your account, or we were unable to attempt an automatic withdrawal because one of your loans is already delinquent. In order to make a payment, you will need to login to your account at lendingstream.co.uk or call us today on 0203 564 7028# - We are ready to help!

Loan Id Number	Amount Overdue	Upcoming Amount Due
	43.60	33.60
	50.40	40.40
	131.20	121.20
	50.40	40.40
	305.80	469.80

[nanna58]

Re: Lending Stream

Looks like info to me, don't worry come to the statute bar for a drink.

[Natty]

Re: Lending Stream

Here is a copy of one of the emails from P2P:

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

Natty , we are an on-line company and correspondence are via internet as well. This is a response to your e-mail complaint sent January 25, 2015.

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

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