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Code of Practice

Lending Stream are members of the BCCA and adhere to an industry standard code of practice for the treatment of all customers. The code of practice is shown below for your reference and includes information on lodging complaints to the BCCA and the financial ombudsman.

What this means for you:

  • You can be assured of being treated fairly and consistently.
  • You will know exactly what to expect when taking out a loan with us.
  • You have the information needed to escalate your situation with a third party in the event you are not satisfied with our service.



Credentials and Certifications

  1. BCCA is a trade association that represents businesses who cash third party cheques; offer payday loans and/ or certain other short term unsecured loans including instalment and guarantor loans. In addition, BCCA also represents credit brokers who operate in the unsecured short term lending market.
  2. BCCA provides representation on behalf of its members to government departments, regulatory bodies, consumer groups and debt charities, amongst others. Through this Consumer Code of Practice (CCP) it establishes rigorous standards of customer care for the industry.
  3. This CCP applies to the following areas of business conducted by BCCA members as follows:
  4. THIRD PARTY CHEQUE CASHING - This enables a customer to cash cheques which are made payable to them from a third party without the need to have a bank account of their own or to avoid the delay involved in cashing a cheque through their bank. Convenient, immediate payment can be made to the customer subject to provision of adequate identification. Charges apply for this service.
  5. PAYDAY LOANS - This type of loan is for people who require a cash advance to tide them over until their next pay day, and they are typically 30 days in duration.The purpose of payday loans is to act as a short term solution to temporary cash flow problems experienced by consumers. It is not intended for sustained borrowing over long periods.Businesses that provide this service are authorised and regulated by the Financial Conduct Authority ("FCA").
  6. OTHER SHORT TERM UNSECURED LOANS - This excludes home credit but could, for example include instalment credit and guarantor loans.
  7. CREDIT BROKERS - credit brokers link individuals looking for consumer credit, with lenders who are willing to provide such, for a commission.
  8. It is a condition of BCCA membership that all members fully comply with the relevant requirements of this CCP.
  9. In addition to this CCP, members who provide PAYDAY and SHORT TERM LOANS must comply with the Good Customer Practice Charter and Addendum, which can be found in ANNEX B and C respectively.

Business Standards

  1. Act fairly, reasonably and with care in their dealings with their customers.
  2. Provide a safe and secure place of business for their staff and customers.
  3. Comply with all legal requirements which apply to them.
  4. Correct any mistakes quickly and courteously and compensate the customer for any reasonable losses caused to them.

Business Standards

  1. Members shall ensure that their operational procedures embody the requirements of this CCP and relevant staff are fully trained in those procedures.
  2. Members shall keep adequate records of staff training.
Annex A: Customer Complaints Procedure For BCCA Members
Annex B: Good Practice Customer Charter
Annex C: Payday and Short-Term Loans Delivering new consumer protections Addendum to Industry Codes of Practice

Business Standards:

Chief Executive BCCA
Portal Business Centre
Dallam Court
Dallam Lane
Telephone: 01925 426 090
The Financial Ombudsman
Exchange Tower
Harbour Exchange Square
E14 9SR
Tel: 0845 080 1800

Upon Approval

At Lending Stream, you will get:

Fund Transfer

Fund transfer process initiated
within 15 minutes*

24/7 Deposits

Even on bank holidays

Simple Payments

Automatically withdrawn
from your bank

We don't offer loans under 60 days. Early prepayment options that are available are not associated with any fees or cost. Maximum APR of 1698.1%. Given a Representative APR is 585%, if you borrow £200 over 6 months at 208.05% p.a. (fixed) your first repayment will be £31.92 followed by £74.20, £67.36, £61.89, £52.77 and £47.07 the following months. You will repay £335.21 in total, there are no additional fees.