Hello guys. I need some help.

I received this email below from lantern.

I have received emails from them over the years about this same debt but I do not know which payday loan debt this is in relation to as it doesn't even say.

I'm thinking maybe pounds to pocket.

I'm pretty sure this is in relation to paydays loans I took out in 2012.

I need some advice because my credit rating is shot and I need to try and get it back into the green.

My question is;

1) Should I finally make contact with them and ask them what this debt is in relation to?

What should I say?

2) Would this debt be statute barred?

Is something statute barred from your last payment to the company or from when they put a default on your file + 6 years today date?

I've checked my credit report and there doesn't seem to be any defaults which match this sum.

I took out a few payday loans between march 2012 and july 2012.

There might be an odd one in 2013.

3) Are lantern serious about taking me to court?

My last known address was 10yrs ago and my current address isn't listed on my credit report so if they did take me to court the court papers would go to my old address and I would never get them.

Having a CCJ against me would cause me alot of problems in my career, so I really don't want that.

4) Should I just carry on ignoring them?

5) I probably shouldn't have gotten this payday loan and I know they can be written off with some companies.

I could probably make some monthly payment towards it every month if need be as I got myself into this mess but am looking at all my options.

Should I contact them about it being written off?

Any other advice on what action I should take?

Al help appreciated, thank you.

CURRENT OUTSTANDING BALANCE: £1400.11

Dear xxxxx

Our efforts to contact you are becoming exhausted as we have made several attempts to offer you a repayment solution and even a discount. In light of this we are preparing your account for one of the following possible actions:

• Legal Assessment – your account may be sent to our Legal partners who will assess your account to determine if legal action is suitable. If they consider this to be the most appropriate action we will inform you of the next steps. You should be aware that there may be additional costs in the event that legal action is taken.
  
• Assignment of your account to our field agents, Resolvecall who will visit you at home to arrive at a solution
  
• Assignment of your account to one of our external debt recovery partners, BPO Collections Ltd or Tenron Credit Management Ltd.
  

We consider the above to be a last resort, and hope they will not prove necessary, but without speaking to you we are running out of options. You still have time to set a plan with us if you contact us within the next 7 days.

Please click for a payment mandate should you choose to pay by direct debit or standing order for your completion.

Just to remind you, you can now manage your account online by visiting If you prefer you can email us at or call us on: 0113 887 6876 to speak to one of our agents. The details needed to set your plan are:

1. Date of 1st instalment
   
2. Amount of instalment
   
3. Frequency of payments
   
4. Preferred method of payment
   

Please ensure that your priority bills are up to date for example rent / mortgage, utility bills, council tax to make sure your payment is affordable. Information pertaining to this account may be registered with credit referencing agencies, this information may then be used by future lenders, landlords and employers and may affect your ability to secure credit in the future.

Yours sincerely

Lantern

Hello guys. I need some help.

I received this email below from lantern. - you block and bounce unsolicited emails.

I have received emails from them over the years about this same debt but I do not know which payday loan debt this is in relation to as it doesn't even say.

I'm thinking maybe pounds to pocket.

I'm pretty sure this is in relation to paydays loans I took out in 2012.

 

I need some advice because my credit rating is shot and I need to try and get it back into the green.

 

My question is;

 

1) Should I finally make contact with them and ask them what this debt is in relation to? - no

What should I say?- nothing

 

2) Would this debt be statute barred?

Is something statute barred from your last payment to the company or from when they put a default on your file + 6 years today date? - 6yrs from last payment or signed letter to them.

I've checked my credit report and there doesn't seem to be any defaults which match this sum.

 

I took out a few payday loans between march 2012 and july 2012.

 

There might be an odd one in 2013.

 

3) Are lantern serious about taking me to court?

My last known address was 10yrs ago and my current address isn't listed on my credit report so if they did take me to court the court papers would go to my old address and I would never get them. - you should never hide from your creditors nor prevent your correct details being shown on your creditfile, sounds like you are not on voters, that will kill credit.

Having a CCJ against me would cause me alot of problems in my career, so I really don't want that.

 

4) Should I just carry on ignoring them? - no

 

5) I probably shouldn't have gotten this payday loan and I know they can be written off with some companies.

 

I could probably make some monthly payment towards it every month if need be as I got myself into this mess but am looking at all my options.

 

Should I contact them about it being written off? - no

 

Any other advice on what action I should take?

 

Al help appreciated, thank you.

 

CURRENT OUTSTANDING BALANCE: £1400.11

 

Dear xxxxx

 

 

Our efforts to contact you are becoming exhausted as we have made several attempts to offer you a repayment solution and even a discount. In light of this we are preparing your account for one of the following possible actions:

 

 

• Legal Assessment – your account may be sent to our Legal partners who will assess your account to determine if legal action is suitable. If they consider this to be the most appropriate action we will inform you of the next steps. You should be aware that there may be additional costs in the event that legal action is taken.
  
• Assignment of your account to our field agents, Resolvecall who will visit you at home to arrive at a solution
  
• Assignment of your account to one of our external debt recovery partners, BPO Collections Ltd or Tenron Credit Management Ltd.
  

 

We consider the above to be a last resort, and hope they will not prove necessary, but without speaking to you we are running out of options. You still have time to set a plan with us if you contact us within the next 7 days.

 

Please click for a payment mandate should you choose to pay by direct debit or standing order for your completion.

Just to remind you, you can now manage your account online by visiting If you prefer you can email us at or call us on: 0113 887 6876 to speak to one of our agents. The details needed to set your plan are:

 

1. Date of 1st instalment
   
2. Amount of instalment
   
3. Frequency of payments
   
4. Preferred method of payment
   

 

Please ensure that your priority bills are up to date for example rent / mortgage, utility bills, council tax to make sure your payment is affordable. Information pertaining to this account may be registered with credit referencing agencies, this information may then be used by future lenders, landlords and employers and may affect your ability to secure credit in the future.

 

Yours sincerely

 

Lantern

you need to start some irresponsible lending complaints against each PDL company you used.

How do I do that?

So do I contact them by email and ask which debt this is in relation to?

Hello guys. I need some help.

I received this email below from lantern. - you block and bounce unsolicited emails.

So if I ignore and block this email. Lantern never taken a CCJ against anybody? Cause if they decide to do one against me I wouldn't even know about it.

you start IRL claims as I expect this was not your only PDL at the time?

Nah, I must have had around 4-5 at the time though I it'll be difficult to find out the companies which I had it with.

So should I do a proveit letter first and then a IRL with lantern?

should be easy to find the loans from on your credit file once you update it with all your addresses

and get on voters don't hide

its the very worst thing you can do.

get the info for the IRL claims and then we'll deal with MMF muppets

There's no loans on my credit file. 2 defaults by payday loan companies and 2 for something else.

are all your old address showing in linked addresses.?

There's no addresses in linked address.

and that's where your problem lies then

how long have you been of voters

most of the last 10yrrs?