lending stream and crs

down2012

Hi this is my first time posting on here im really needing some advice please
In 2011 I took out a loan with !!!!!!!!!!!!! for around 280 pound .
I made two payments firstly by cheque and sent a third cheque to them to clear my balance .however a company caled crs have been contactibg me informing me that I now owe lending stream 780 for an unpaid debt .
I informed them that this is the 1st time in 2 years that I had been made aware of this debt . U nfortunatley they say I owe 780 and that thats.
I have called lending stream and requested copy letter emails or phone calls fromthemselves regarding this however they are based in delaware india and are unable to do so . I have checked my email account and have revieved no emaiks from them since 2011.
Seems to me they have held my account just to charge me 500 in interest
The company CRS are not very helpful either I have offered to pay them 10 a mth oof the orignal loan of 280 as I have refused to pay the i
nterest on sometingbi wasnt aware I owed they will expect a payment of 10 tomorrow to put my accoubt on hold .
What do I do know im really stuck as to what to do ?????? Can anyone please offer me any advice
What do I

down2012

Please can anyone offer me any advice or were to go for help

R_P_W

Were the cheques cashed? Have you actually paid?

down2012

They say they never recieved the cheque ? Im no longer with that bank or have the cheque book . At the time I was dealing with my mothers estate anf didnt check my fault .
Wats bothered me the most is that I have no records of them contacting me to inform me so until 2 years down the line and with 500 pounds added interest
Thanks for ur reply .

Tixy

What did you do when you got the first letter from the debt collector?

Have you sent anything in writing to them or just spoken to them by phone?

What paperwork have they sent you?

The best first step would have been to send the prove it letter template? If they haven't sent you any documentation then i would still send that now. Letter when you know nothing about about the debt - AKA "Prove it" letter

Have you checked your bank statements to see whether all 3 cheques were cashed?

down2012

Hi tixy
The first 2 cheques were cashed nof the last one to clear the balance .
I have received no letters from crs or lending stream.
I have recieved 3 calls fron crs demanding payment ? In the last 3 days
Thanks

Tixy

Next time they ring you - say you won't discuss this by phone and that they need to write to you with details of the alleged debt. Make it clear you will not pay anything until they have written to you.

If they ring again say the same thing and hang up.

If and when they write to you send the prove it letter.

If they can provide suitable paperwork that you owe the money then you might want to try negotiating a reduced full & final settlement for the debt (in writing).