Good Afternoon,

I sent a SAR to Lantern (Formally Motormile) on the 28/09/2018 and I have today received the SAR pack back.

I'm looking for some advice on what to do next as I feel all these accounts could be statute barred.

I would like to give an overview of each account and what the SAR contains to see if anyone can offer some advice on what my next step should be.

Account 1

Value £1170

Account Start Date- 15.06.2012

Default Date- 29.06.2012

Payments made/acknowledged - NO

Contains

CCA - YES

Notice of Assignment- NO

Account 2

Value £200

Account Start Date- 30.11.2011

Default Date- Unknown

Payments made/acknowledged - NO

Contains;

CCA - YES

Notice of Assignment- NO

Chase Letters - 2

Account 3

Value £270.10

Account Start Date- 21.06.2012

Default Date- Unknown

Payments made/acknowledged - NO

Contains;

CCA – YES (Not signed by original creditor)

Notice of Assignment- NO

Chase Letters - 5

Account 4

Value £250.00

Account Start Date- 02.09.2011

Default Date- 07.12.2011

Payments made/acknowledged - NO

Contains;

CCA – NO

Notice of Assignment- NO

Chase Letters – NO

Statement of Account - YES

Other than 2011/2012 I’ve had no other issues and everything has now dropped off my credit files, I’d just like to put this to bed.

I would be grateful of any help you may be able to give.

Thanks

Can you just confirm the dates again please. I see that account number one started by 15 June and yet by 29 June – only two weeks later you had defaulted. Is this correct?

Also in the others, you are unable to say if or when you made any payments. I think we need more help

Apologies, those dates are taken from the SAR pack from Lantern.

With regards to the payments, I put down 'Payments made/acknowledged - NO' I haven't made any payments or acknowledged any of them, they don't have anything in the SAR that confirms otherwise either.

I've attached a snapshot of the SAR form.

Thanks

The debts are statute barred

Send them our sb letter for each one

… As above – but out of curiosity, are you saying that you you borrowed this money and didn't make a single payment on any of the accounts?

… As above – but out of curiosity, are you saying that you you borrowed this money and didn't make a single payment on any of the accounts?

Well without going into why I got into difficulty in 2011/12, I ended up with various debts for which I did pay back in full including 2 to Motormile, these were included within the SAR. I wasn't actually aware of the ones listed above until recently, I wasn't being chased, the letters they sent for 2 of the accounts above we're sent to a very old address the other 2 they haven't chased..

On the 27th September this year Lantern sent me a chase via email with 1 reference number which covers those 4 accounts, I then sent the SAR and we're now here.

not thought about starting an irresponsible lending complaint again each lender

so you say you've cleared some dent with the fleecers at MMF?

as long as the debts you've stated above have had no payment in 6yrs ...then send the SB letter for each one.

they probably though they could try it on with those as well as they'd mugged you on the others when in all truth they probably didn't need paying at all.

I have thought about however I've not explored it at all.

MMF caught me at a time when I had a mortgage offer, exchanged contracts on a new build and I awaiting completion date, I didn't want to run the risk so I paid them, in hindsight I should of looked deeper into it.

well stop blindly replying to emails too!

its NOT a recognised form of communications for debts and is a very cheap way to threaten you.

any emails from people that try and fleece you out of money like a dca should be BLOCKED AND BOUNCED BACK.

make the write then you have a papertrail.

pers i'd be getting an IRL complaint running to back PDL lender you have used

could be worth £1000's if not in refunds but in write-offs too.

Update.

I posted out the SB letters last week (recorded) and I also emailed them copies as well. They have responded today saying that the debts are not statute barred as a payment was made on the account in October 2016.

In total I had 6 accounts with MMF all under different account numbers,

2 of them are settled,

the SAR shows this however it seems as though they have tried to 'wrap up' the 6 accounts under 1 reference number and they are saying that this 1 combined account isn't statute barred.

Surely they cannot combine multiple accounts into 1?!

I have written a letter stating that the accounts should be listed individually and they should notice that I sent them individual letters for each account number.

who were the original creditor?

did the loans refinance each other? i'e the next settled the previous?

you shouldn't be using email at all.

block and bounce theirs back writing ONLY.

you also shouldnt be writing back without checking here 1st its the correct thing to do.

its simply invites letter tennis when there is no need to re-state your case.

I haven't sent the letter as yet.

The accounts were for different creditors. It seems they have only recently packaged them into 1 new reference number.

When I paid the 2 settled accounts they were under their own account numbers, the SAR shows 6 different account numbers.

I didn't include the 2 settled accounts within the SB letters.

MMF response was saying the 1 overall reference number couldn't be SB as I had paid some of it in 2016.

When I paid the settled accounts in 2016 this new overall account number didn't even exist!

shouldnt have paid them in the first place!!

you should have launched IRL complaints against the original creditors

go do that now.

No MMF cant lump everything into one account number with them

and then when you pay off 2 of the loans [you did SPECIFICALLY state which 2 account numbers and the original creditors name these payments were against?] claim it holds off SB on the others just because those accounts are part of your overall dealing with them.