Was feedback stating that my refund would have been issued to me by the 10th October, MMT were in contact with Lending stream to make sure this payment would be going through on time, Lending stream stated to MMT that it would be processed on time..this has not been the case, MMT contacted me yesterday to ask why this has not been processed but Lending stream has not replied with a reason why, so I contacted Lending stream several times today and everytime I have been given the same excuse " we have technical issues" and when I asked to speak to a manager I was given the excuse "they're not availble at the moment". I then got in contact with the financial obudsman service who then contacted Lending stream via phone, I was then told by the obudsman service that Lending stream would be processing my payment by today ( personally I think this was said to keep me quiet) or maximum by Monday, the Ombudsman also clarified this for me via e-mail. Lending stream are quick to offer fast payments into your account within 15 minutes (through an automated system), which I doubt even checks for the relevant data about any given person that is applying for the loan such as; is this person a drug addict? does this person have a betting addiction? Will this person ever borrow from us again? Lending stream does very little to try and get the person who is taking out loans every week/month to stop taking out loans...this is crippling people....no wonder debt related suicide rates have risen in this country because payday lenders do very little to help those who are affected by the loans that have been issued. Lending stream are very quick to ask for money back from people that have missed a payment and incur an extra charge on top if they fail to do so, they say they run affordability checks but I doubt they actually find out what the person actually uses the money for...in all honesty I doubt they even care aslong as they get more money back then what was actuallly owed.