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Hi there,
Back in August 2016, i received the following email (which was put into my junk mail luckily saw before i emptied it)
“
I've received no snail mail letters or anything about this case... i did unsuccessfully i might add however it was still pending for a 2nd stage action to be looked into but nothing ever heard back from the FOS, anyway nothing from then until today where i received this, i did email them back with a
"
You have contacted me regarding the account with the above reference number, which you claim is owed by myself.
I would point out that I have no knowledge of any such debt being owed to Lending Stream LLC "
Email to which all i got was a reply back with the original credit agreement, however since then... absolutely nothing.
So what are my next options ? i tried contacting them today but after 3x of being on hold for 25 mins each and a one constant Ed Sheeran song on bloody loop, i gave up.
I've spent years to clear up my credit file to the point where there are no defaults (just very old one's about to fall off) and CCJ's on my file just for this to land on my report, this will have a devastating impact on getting a Mortgage further down the line and another 6 year set back.
Back in August 2016, i received the following email (which was put into my junk mail luckily saw before i emptied it)
“
Final Notice - Please read carefully
August 24, 2016
We sent a similar email last week and a letter but we did not receive a response from you. We appreciate that many emails enter our customers ‘Junk or Spam’ folders so we have resent it, as it is important we communicate with you.
ACI Reference Number :
Reconnect PIN Number :
Outstanding Balance : £1360.84
Client Reference :
We refer to the fixed sum loan from Lending Stream LLC (Assignor) regulated by the Consumer Credit Act 1974 – the loan agreement and any related guarantee being the Assigned Documents and the Loan from Lending Stream LLC (Assignor) to [Text Removed] (Debtor).
We have written to you on several occasions advising you that from 21 June 2016 the assignor assigned to Asset Collections & Investigations (Assignee) all its rights, title, interest and benefits in and to the Assigned Documents and the Debt. We advised you that all correspondence, dealings deliveries and payments in respect of the Assigned Documents of the Debt should be made to the Assignee who is Asset Collections & Investigations.
It is our intention to register a claim with HM Courts & Tribunals Service with a view to gaining a County Court Judgment against you (or if in Scotland a Decree). Please note: in the event of a claim being registered, we are legally entitled to add costs to the outstanding balance.
As a gesture of goodwill, Asset Collections & Investigations will accept a payment of £952.59 as a full and final settlement offer. Basically, if you pay £952.59, our client will write off the remains of the balance.
If however, you cannot afford to make a full and final settlement payment, then we would like to offer you the opportunity of paying the full balance by 18 equal monthly instalments of £75.60 providing this is affordable for you.
Please contact us as a matter of urgency on 01698 907055
August 24, 2016
We sent a similar email last week and a letter but we did not receive a response from you. We appreciate that many emails enter our customers ‘Junk or Spam’ folders so we have resent it, as it is important we communicate with you.
ACI Reference Number :
Reconnect PIN Number :
Outstanding Balance : £1360.84
Client Reference :
We refer to the fixed sum loan from Lending Stream LLC (Assignor) regulated by the Consumer Credit Act 1974 – the loan agreement and any related guarantee being the Assigned Documents and the Loan from Lending Stream LLC (Assignor) to [Text Removed] (Debtor).
We have written to you on several occasions advising you that from 21 June 2016 the assignor assigned to Asset Collections & Investigations (Assignee) all its rights, title, interest and benefits in and to the Assigned Documents and the Debt. We advised you that all correspondence, dealings deliveries and payments in respect of the Assigned Documents of the Debt should be made to the Assignee who is Asset Collections & Investigations.
It is our intention to register a claim with HM Courts & Tribunals Service with a view to gaining a County Court Judgment against you (or if in Scotland a Decree). Please note: in the event of a claim being registered, we are legally entitled to add costs to the outstanding balance.
As a gesture of goodwill, Asset Collections & Investigations will accept a payment of £952.59 as a full and final settlement offer. Basically, if you pay £952.59, our client will write off the remains of the balance.
If however, you cannot afford to make a full and final settlement payment, then we would like to offer you the opportunity of paying the full balance by 18 equal monthly instalments of £75.60 providing this is affordable for you.
Please contact us as a matter of urgency on 01698 907055
I've received no snail mail letters or anything about this case... i did unsuccessfully i might add however it was still pending for a 2nd stage action to be looked into but nothing ever heard back from the FOS, anyway nothing from then until today where i received this, i did email them back with a
"
You have contacted me regarding the account with the above reference number, which you claim is owed by myself.
I would point out that I have no knowledge of any such debt being owed to Lending Stream LLC "
Email to which all i got was a reply back with the original credit agreement, however since then... absolutely nothing.
Asset Collections and Investigations Limited
Re: County Court Claim
Cus
Outstanding Balance: £1,560
Hi
We have recently loaded a County Claim against yourself for the above outstanding balance, of which you will shortly receive a Claim Pack with regards to this.
If you do not respond to the above-mentioned Claim Pack, judgment will be entered by default and in turn you will receive a County Court Judgment . It will be entered on your credit record at the Register of Judgments, Orders and Fines and will remain there for six years. This record can seriously affect your ability to obtain a mortgage, credit card, bank account and even a mobile phone contract in the future.
To avoid the judgment in its entirety you must pay in full. You can choose to pay the amount in full straight away (plus any interest and court fees shown) and if you do, you do not need to send the forms back and you will not receive the CCJ.
Please contact our Litigation Department on 0330 808 1585 to make this payment.
In the meantime, you are encouraged to seek competent legal advice with regards to the above.
In the meantime, you are encouraged to seek competent legal advice with regards to the above.
Citizens Advice - https://www.citizensadvice.org.uk/
If you are unable to pay this amount off in full, we can arrange a repayment plan with you direct although you will still incur the CCJ.
We look forward to hearing from you.
Kind Regards,
The Legal Collections Team
Re: County Court Claim
Cus
Outstanding Balance: £1,560
Hi
We have recently loaded a County Claim against yourself for the above outstanding balance, of which you will shortly receive a Claim Pack with regards to this.
If you do not respond to the above-mentioned Claim Pack, judgment will be entered by default and in turn you will receive a County Court Judgment . It will be entered on your credit record at the Register of Judgments, Orders and Fines and will remain there for six years. This record can seriously affect your ability to obtain a mortgage, credit card, bank account and even a mobile phone contract in the future.
To avoid the judgment in its entirety you must pay in full. You can choose to pay the amount in full straight away (plus any interest and court fees shown) and if you do, you do not need to send the forms back and you will not receive the CCJ.
Please contact our Litigation Department on 0330 808 1585 to make this payment.
In the meantime, you are encouraged to seek competent legal advice with regards to the above.
In the meantime, you are encouraged to seek competent legal advice with regards to the above.
Citizens Advice - https://www.citizensadvice.org.uk/
If you are unable to pay this amount off in full, we can arrange a repayment plan with you direct although you will still incur the CCJ.
We look forward to hearing from you.
Kind Regards,
The Legal Collections Team
I've spent years to clear up my credit file to the point where there are no defaults (just very old one's about to fall off) and CCJ's on my file just for this to land on my report, this will have a devastating impact on getting a Mortgage further down the line and another 6 year set back.
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