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  • #601
    Re: Lending Stream

    Originally posted by cymruambyth View Post
    That's great to hear. How are you and how is dad?
    I am ok Cmyru, I still worry ( not as much as I did) about LS and especially P2P as not heard a thing from them.

    Dad is doing ok, thank you.

    x

    Comment

    • #602
      Re: Lending Stream

      Hi Natty

      It can take several months for the FOS to make a decision so don't worry about them. They are also in a difficult position too - its not going to look good on them to effectively condone a PDL company offering multiple products to customers (especially when they have already written one off due to lending criteria).

      I didn't expect you to get a response from P2P, its likely you won't hear anything now, except maybe to let you know the account has been sold, and then we'll deal with whatever bottom feeders have the misfortune of purchasing the account.

      Good to hear you're much more positive and things are better at home
      "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

      • #603
        Re: Lending Stream

        Yes... health and well being is the most important thing, money ... well if you haven t got it what can they do... debtors prisons don t exist any more.....
        If you are using a shovel to dig yourself into a hole, a credit card company will be happy to give you a JCB !!

        Comment

        • #604
          Re: Lending Stream

          Originally posted by SaltnVinegar View Post
          Hi Natty

          It can take several months for the FOS to make a decision so don't worry about them. They are also in a difficult position too - its not going to look good on them to effectively condone a PDL company offering multiple products to customers (especially when they have already written one off due to lending criteria).

          I didn't expect you to get a response from P2P, its likely you won't hear anything now, except maybe to let you know the account has been sold, and then we'll deal with whatever bottom feeders have the misfortune of purchasing the account.

          Good to hear you're much more positive and things are better at home

          Thanks SnV, I hope all is well with you. And it is down to you for getting me this far, truly grateful for all the support and advice.

          Take care and I will keep you updated.

          Comment

          • #605
            Re: Lending Stream

            Hi All,

            Just an update still no response.

            My LS dispute is still with the Ombudsman. I know SnV said it can take several months for a response.

            I have just been looking at the last email I received from P2P, It is dated the 7 May 2015. It advises they will response to my letter of complaint within 8 weeks! Well they have failed already. Not heard anything from them at all.

            I hope everyone us keeping well.

            Warmes wishes to all

            Natty

            Comment

            • #606
              Re: Lending Stream

              Hi Natty good to hear from you ,hope you are OK how's dad ?
              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

              • #607
                Re: Lending Stream

                Originally posted by nanna58 View Post
                Hi Natty good to hear from you ,hope you are OK how's dad ?
                Dad is doing ok thank you, a few ups and downs, but he is ok.

                Last week was not a good week. I just got so stressed

                think it is not hearing anything and then I start thinking the worse.
                Last edited by Natty; 22 September 2015, 16:31.

                Comment

                • #608
                  Re: Lending Stream

                  Hi Natty

                  Hearing nothing from P2P is a GOOD thing. If they thought you could be bullied they would be harassing you right now. As it stands they are not, so please enjoy the peace and quiet!

                  Silence from the Ombudsman is also good. If you want these debts to become statute barred then you have to play the waiting game - therefore inactivity by the creditor is exactly what you want.......

                  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

                  • #609
                    Re: Lending Stream

                    Originally posted by SaltnVinegar View Post
                    Hi Natty

                    Hearing nothing from P2P is a GOOD thing. If they thought you could be bullied they would be harassing you right now. As it stands they are not, so please enjoy the peace and quiet!

                    Silence from the Ombudsman is also good. If you want these debts to become statute barred then you have to play the waiting game - therefore inactivity by the creditor is exactly what you want.......

                    Best
                    SnV
                    Thanks SnV, I understand what you are saying, it just really worries me, the no contact, but as you say it is a good thing that I have had no contact.

                    I hope all is well in your world.

                    Warmest wishes

                    Natty

                    Comment

                    • #610
                      Re: Lending Stream

                      Natty all the companies try to bully you with loads of contact then, when they realise that you are not nieve or an easy touch they stop. They may restart at some time, but as the situation will be the same, you just come here and another reply will be drafted for you.
                      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

                      • #611
                        Re: Lending Stream

                        Hi SnV,

                        I have received a response from the FOS with the final decision. There is no surprises, they basically do not think LS have done anything wrong. They advise the following:

                        1.) LS to write off all interest & charges from January 2015.

                        2.) Enter into a re-payment plan of £110.00 per month

                        The said that LS wrote off one of the loans as a gesture g goodwill.

                        They have given me until the 30 October to accept or reject the offer.


                        I was really hoping the FOS would side with me. As soon as I read the letter I was stressed. £110.00 is a lot of money. I think I offered this initally across all the loans as I was so stressed.

                        I am really worried as I am expecting LS to now start chasing payment.

                        Best regards

                        Natty
                        Last edited by Natty; 2 October 2015, 13:00.

                        Comment

                        • #612
                          Re: Lending Stream

                          Firstly, don't worry or panic!

                          The response from FOS - is it from the Adjudicator or an Ombudsman - if it's from the Adjudicator, you still have the right to get the decision reviewed by the latter. Decision probably wont change, but it further delays any actions that can be taken.

                          Its also only recommendations from FOS - you are not obliged to accept them or their decision.
                          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

                          • #613
                            Re: Lending Stream

                            Originally posted by oscar View Post
                            Firstly, don't worry or panic!

                            The response from FOS - is it from the Adjudicator or an Ombudsman - if it's from the Adjudicator, you still have the right to get the decision reviewed by the latter. Decision probably wont change, but it further delays any actions that can be taken.

                            Its also only recommendations from FOS - you are not obliged to accept them or their decision.
                            Thanks Oscar- The case has been reviewed by the Ombudsman.

                            Comment

                            • #614
                              Re: Lending Stream

                              Originally posted by Natty View Post
                              Thanks Oscar- The case has been reviewed by the Ombudsman.
                              Ok, well I would still not worry.

                              FOS cant make you do anything, nor do you have to accept their decision.

                              As for LS - they really cant have what you haven't got.
                              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

                              • #615
                                Re: Lending Stream

                                Hi SnV,

                                Whenever you get a chance please can you advise what my next step is please, really stressing again.

                                Kindest regards and thank you

                                Natty

                                Comment

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