CCJ and Lending Stream

[lorraineC]

Hi,
im hoping someone can offer advice!
I stupidly got a Lending Stream loan. I couldn’t afford to pay it, I was given a CCJ - I didn’t receive any paperwork prior to getting the CCJ only once it had been registered. I started to pay the CCJ because of the emails they were sending threatening to send bailiffs and attachment of earnings. My question is can I do irresponsible lending on Lending Stream now that it’s gone to CCJ? Thanks in advance.

[Amethyst]

Was the CCJ through Asset with TM Legal acting for them?

Had you moved house inbetween taking out the loan with Lending Strem and the court claim being issued ? Had you heard from Asset/TM before the claim was issued?
Does the CCJ show on your credit file ?

Yes you can still make an affordability complaint with Lending Stream couple articles by Debt Camel here https://debtcamel.co.uk/lending-stream-complaints/ and https://debtcamel.co.uk/payday-loan-refunds/ and also an example adjudication from the ombudsman on lending stream http://www.ombudsman-decisions.org.u...?FileID=139536 for interest

[lorraineC]

No I hadn’t moved, and the CCJ is on my file. And yes TM Legal. I’ve read some awful things about them online. Thanks for the links. I’ll work through them. Thank you

[Amethyst]

Okay, was the Judgment a forthwith order or an order to pay by installments ? ie. have you negotiated payments directly with TM Legal, or are you just making the payments as ordered by the court now ? TM seem to carry on sending emails and threatening letters regardless of whether you are paying so please don't let them worry you.

Have you had a copy of the claim or the judgment order from the court at all ? Any idea why you hadn't received it originally ? and did you look into an application to set aside the Judgment because you hadn't received it ?

[Debt Camel]

Was this the only loan you had from LS?

[lorraineC]

Yes only loan, it was rolled over and topped up.

[Debt Camel]

Yes only loan, it was rolled over and topped up.

OK, well it is worth a try with an unaffordable lending complaint. One loan cases are hard but as this was rolled and topped up it is worth a go.

You may find it is rejected because of the CCJ. Don't let LS tell you to talk to Asset - you want LS to answer your complaint.

Please answer Amethyst 's questions about the CCJ so she can say what your options are for that.