Lending Stream

[Susiebling365]

Re: Lending Stream

Really pleased for you Natty, I have never been brave with phone calls since I had a rather nasty person on the other end telling me how stupid I was to think I could keep paying such a small amount. I think Celia may be better starting her own thread so you experts can concentrate on her issues ???

[nanna58]

Re: Lending Stream

Happy new tear Natty xxxxx Cecilia hang on SnV may be a long soon xxx

[cecilia]

Re: Lending Stream

Hi SnV,

The FOS have been totally hopeless, however everybody warned me how toothless they are.

I just bit the bullet and called LS direct, I have to say they were fantastic, really took me by surprise.

Happy New Year Natty, hope you are feeling better. That is a shame about the FOS. I was thinking of calling them tomorrow to help me get my money back from PaydayUK, who have ignored all my emails. Really disappointing to hear they are hopeless and toothless. Glad you got a result. It looks like I am going to have to resort to calling Paydayuk myself, but doubt I will get anywhere, as they have ignored all my emails.

[IF]

Re: Lending Stream

Happy New Year to you too Natty

Best wishes
IF

[Natty]

Re: Lending Stream

I just want to wish all a Happy New Year. Let's hope it is good to us all.

I have come such a long way since I came across this forum. I could not have done it without the help of SnV. He has stuck by me and been so patient with me. I have learnt so much from him. Also all the other members who have given me support and words of comfort through a difficult time. I still cannot believe the kindness of strangers.

I had a few other PDL and this past month I have managed to have 2 of the balances wavied . They were both under £200, but I would not have known how to tackle them without the knowledge I have learnt from SnV.

January is going to be a tough month money wise. As due to lack of funds I am unable to make the minumum payments on other debts that I have, credit cards, mail order. However I will tackle this head on with the information in this site.

Thank goodness for AAD, it has been my saviour.

Best wishes

Natty
x

[SaltnVinegar]

Re: Lending Stream

Yes received the confirmation email.

Feeling much better pixie thank you & Dad is doing really well.
x

Hi Natty

All I can say is a big well done you!

It is VERY unusual behaviour from LS that you have achieved this result over the phone. I would be very interested to understand how you approached the conversation, and why the person you spoke to was willing to write off 4 of your loans as this doesn't normally happen unless you apply legal leverage.

That said, the last time I saw people getting success on the phone, it was because the company concerned was under investigation from the FCA, and shortly afterwards was ordered to refund customers due to the investigation into their business practices............

[Natty]

Re: Lending Stream

I hope you're feeling a lot better now Nattty and that your Dad is well.

Great news from LS...but, as SnV says, get it in writing. x

Yes received the confirmation email.

Feeling much better pixie thank you & Dad is doing really well.
x

[Natty]

Re: Lending Stream

Excellent news Natty - and am sure will be a weight off your mind.

It is very good news Oscar, it is a huge weight off my mind.

- - - Updated - - -

Yes SnN, I have a confirmation email agreeing to all mentioned above.

[nanna58]

Re: Lending Stream

Natty that's brilliant well done you, hope you are feeling better xxxxx

[Pixie]

Re: Lending Stream

I hope you're feeling a lot better now Nattty and that your Dad is well.

Great news from LS...but, as SnV says, get it in writing. x

[SaltnVinegar]

Re: Lending Stream

Hi SnV,

The FOS have been totally hopeless, however everybody warned me how toothless they are.

I just bit the bullet and called LS direct, I have to say they were fantastic, really took me by surprise.

Have they confirmed what was said in writing/email?

[oscar]

Re: Lending Stream

Excellent news Natty - and am sure will be a weight off your mind.

[Natty]

Re: Lending Stream

Hi SnV,

The FOS have been totally hopeless, however everybody warned me how toothless they are.

I just bit the bullet and called LS direct, I have to say they were fantastic, really took me by surprise.

[SaltnVinegar]

Re: Lending Stream

I am so sorry I have not been in touch, I have had a bacteria stomach infection and have been quite poorly.

Not a problem - hope you're getting back on the mend and on your feet soon.

I have been in touch with LS and they agreed to waive four of the five loans. I am left with one loan which they have waved all interest. So I am just paying back the £870 I borrowed @ £30 per month. Although I wish they would have waived all loans I am pleased with the result.

That is still a fantastic result! When you say you had been in touch, was this via the FOS or did you contact them directly? I would be interested to know what was said

I have still not heared anything from P2P. This is since May when they sent me a copy of the complaints procedure, and advised I would have a response within 8 weeks.

Well until you do get a response they can GF&M. They are now in breach of the FCA complaints procedure, and unless they respond to the points put to them, the account could be described as in dispute. Don't worry about them - I suspect you've been put into a 'too difficult to deal with' pile.

[nanna58]

Re: Lending Stream

Awwww Natty hope you're feeling better now xx