Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
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    Default Lantern writing to me for debt not on credit file

    Hi,

    I have received a lettericon from Lantern requesting payment for loans I took out years ago.

    The loans do not appear on my credit file and have not been on my credit file for at least the last two to three years.
    I think I defaulted on most of them six years ago that's why they are not on my credit record.

    Lantern have called me on my work mobile number once recently, ( within the last two weeks) and I refused to answer security questions because I was not sure who I was speaking to. But they did say they where formerly MMF.

    I do not wish to engage with Lantern, what steps do I take to ensure I pay them or not

    Thanks in advance.


  2. #2
    Site Team The Consumer Action Group Andyorch's Avatar



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    Default Re: Lantern writing to me for debt not on credit file

    Then dont engage with them.......if they are statute barredicon anyway.


    Andy


  3. #3
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    Default Re: Lantern writing to me for debt not on credit file

    Thanks Andy
    Not sure if loans they refer to are statute barredicon, haven't got any of the correspondence anymore


  4. #4
    Site Team The Consumer Action Group Andyorch's Avatar



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    Default Re: Lantern writing to me for debt not on credit file

    The loans do not appear on my credit file and have not been on my credit file for at least the last two to three years. I think I defaulted on most of them six years ago that's why they are not on my credit record.



  5. #5

    Default Re: Lantern writing to me for debt not on credit file

    Have you moved since taking this out?


  6. #6
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    Default Re: Lantern writing to me for debt not on credit file

    Why? I receive letters from letters from Lantern anyway?


  7. #7

    Default Re: Lantern writing to me for debt not on credit file

    Mmf are masters at issuing backdoor ccj's
    Even if the debt is statute barredicon


  8. #8

    Default Re: Lantern writing to me for debt not on credit file

    Moved to the mmf forum


  9. #9
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    Default Resolvecall letter to arrange personal visit re debt to Lantern

    Hi I hope you can help.

    I have received a lettericon from Resolvecall to my address requesting that I contact them otherwise they will arrange a personal visit by one of their representatives, (they are acting on behalf of Lantern).

    I think the debts they refer to are over six years old and do not show up on my noddle credit file.
    I do not want them to visit my home address.
    If they insist please advise most appropriate response.
    I live in shared accommodation and do not want others in the accommodation made aware of their visits.

    Thanking you in advance.

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  10. #10

    Default Re: Lantern writing to me for debt not on credit file

    old and new threads merged
    please keep to one thread

    resolvecall or snotcrawl ...sorry scotcall rarely turn up
    and even if they do they are not bailiffs and have like every DCA ZERO legal powers.

    should one appears VERY RARE.. you tell them to leave else you'll call police 101.

    did you not resolve this in the now merged thread?

    if your last payment was more than 6yrs ago, then send MMF our SB letter from the debt collectionicon section of our libraryicon.


  11. #11
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    Default Re: Lantern writing to me for debt not on credit file

    Thanks dx100uk. Ok I am trying to get the sb letter from the libraryicon but get this message' CAGicon Library - you need to register to access the CAGicon library'


  12. #12

    Default Re: Lantern writing to me for debt not on credit file

    then log in before you try and access it.!!
    https://www.consumeractiongroup.co.u...October-2015**


  13. #13
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    Default Re: Lantern writing to me for debt not on credit file

    I was logged on but did not get to the libraryicon even after several attempts. But thanks for your reply and I have got the sb letter from your link.

    My concern then is that they can still enforce a ccj because of the following '"...a firm must not attempt to recover a statute barredicon debt in England, Wales or Northern Ireland if the lender or owner has not been in contact with the customer during the limitation period." 7.15.4 I am not sure if they have tried to contact me during the limitation period or are doing so after.


  14. #14

    Default Re: Lantern writing to me for debt not on credit file

    its statute barredicon you've told them
    letter writing does not stop the clock!!


  15. #15
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    Default Re: Lantern writing to me for debt not on credit file

    You are saying Lantern can still issue the ccj even if I send the sb letter..?


  16. #16
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    Default Re: Lantern writing to me for debt not on credit file

    Quote Originally Posted by writing2rightoff View Post
    You are saying Lantern can still issue the ccj even if I send the sb letter..?

    Yes but your defence will be that the debt is statute barredicon, and if it is, the claim will be dismissed.


  17. #17

    Default Re: Lantern writing to me for debt not on credit file

    no once told SB'd if they cant prove otherwise all comms should stop.


  18. #18
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    Default Re: Lantern writing to me for debt not on credit file

    Hi, I have received a lettericon from Lantern to a sb letter I sent them. The letter talks about one debt from Wageday which it says will be statute barredicon in January 2019. The customer reference number on the letter has a balance for multiple debts but only the wageday debt is mentioned in the letter.

    The letter says:
    '
    Dear xxxx

    We write with regard to the above reference account number and recent communication.

    We note that you feel the Wageday Advance account should now be statute barred under the (Limitation Act 1980/Prescription and Limitation Scotland Act 1973/The limitation (Northern Ireland) order 1989). Firstly it is important to explain that an account only becomes statute barred if the last written acknowledgment or payment towards the debt is over a six year period. In this case , the original due date was on xxxx/2013 and will therefor not become statute barred until xx/01/2019.

    If you have an queries or need to talk to us, please get in touch.

    Yours sincerely


    Lantern
    Debt Purchase & Recovery Specialists '


    The debts that the customer reference number refers to have not been on my credit file for several years. Ihave not responded to the letter.

    Will Lantern now put the Wageday account on my credit file and keep it on file for the next six years?

    Can Lantern use their letter as an opportunity to open up other debts which they have not mentioned in the letter but which I know have been included in the total debt of the balance.? ( I think the debts that have not been mentioned are statute barred).


    Thanking you in advance and as always.


  19. #19

    Default Re: Lantern writing to me for debt not on credit file

    They are talking rubbish!!
    Sb is not from the due date!
    It from your last payment

    Typical bs from mmf



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