Hi,

I have received a letter 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.

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

Andy

Thanks Andy

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

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.

Have you moved since taking this out?

Why? I receive letters from letters from Lantern anyway?

Mmf are masters at issuing backdoor ccj's

Even if the debt is statute barred

Moved to the mmf forum

Hi I hope you can help.

I have received a letter 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.

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 collection section of our library.

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

then log in before you try and access it.!!

https://www.consumeractiongroup.co.uk/forum/showthread.php?387368-Statute-Barred-Letter-**Update-28th-October-2015**

I was logged on but did not get to the library 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 barred 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.

its statute barred you've told them

letter writing does not stop the clock!!

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

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 barred, and if it is, the claim will be dismissed.

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

Hi, I have received a letter from Lantern to a sb letter I sent them. The letter talks about one debt from Wageday which it says will be statute barred 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.

They are talking rubbish!!

Sb is not from the due date!

It from your last payment

Typical bs from mmf

Thank you dx100uk!

What is significant about the date xxxx/2013, was that the date which a payment was due to the Wageday Advance account and you did not pay it?

What is significant about the date xxxx/2013, was that the date which a payment was due to the Wageday Advance account and you did not pay it?

Hi. There was an idea that the COA( the date when the SB period began) was from the first missed payment. No one ever said it was the last made payment, how can making a payment be a cause of action?

See my earlier post

It is now established as being the date of the section 87 default notice.

but not in every case. ….

when we start losing heeps of claims because this supposed default notice date is the cause of action

we'll start panicking

until then it means nothing.

dx

Its a high court case DX, do you seriously think it wont come up.

I woul check with a solicitor, someone off the forums would be best.

Hi. There was an idea that the COA( the date when the SB period began) was from the first missed payment. No one ever said it was the last made payment, how can making a payment be a cause of action?

See my earlier post

 

It is now established as being the date of the section 87 default notice.

That is how I have always understood it. The statute barring period starts from the default date not the last payment unless a payment has been made since the default date.