My wife received a letter today from lantern saying they have been trying to contact her.

It says she owes £722.91 but doesn't say who to, it simply has an account number.

She has no idea who the debt is with and nothing is on her credit file.

They are saying unless she pays up in 7 days they are referring her to resolvecall.

How should we deal with this?

moved to the lantern forum

they usually only chase payday loans they have bought

resolvecall are [as with all DCA's] totally powerless and are NOT BAILIFFS.

should you get a dirty mac brigade at your door

say nowt bar tell them to leave else you'll call police 101.

you say her credit file is clear?

and her old addresses are all showing ?

dx

All her addresses are listed. She doesn't recall ever having a pay day loan. All it gives us is an account number and no other details.

has she moved in recent times?

ah yes I see from previous threads she has.

might be wise to send them a CCA request

even if its not applicable atleast they'll now officially have here correct address so no backdoor CCJ:wink:

does the figure match any of those old debts in

https://www.consumeractiongroup.co.uk/forum/showthread.php?489151-Lowell-financial-and-4-debts

We moved in together last year. The figure doesn't match up with anything however, both dca companies have the same address. We will fire off another cca as you suggest. I will of course keep you updated. Thanks for your help

well I was thinking that someone might have used her details because she obv didn't update creditors etc when she moved

so some little tyke might have used all the stuff still sent thereto gander her pers details to open fraudulent credit accounts everywhere in her name

but as theres nowt on her credit report, that seems remote now. but not impossible

well today we have received a reply.

they say that there were 2 accounts with northway financial. both are payday loans, 1 for £200 plus costs and 1 for £250 plus costs.

i have asked my wife about these and she says she doesn't recall them at all.

they have supplied some paperwork that implies they were from 2008 at 1 of my wife's previous addresses.

none of the paperwork shows any signatures and they say they are unable to provide us with a copy of the deed assignment as this is legally privileged and commercially sensitive that contains details of third party accounts. should we require a copy of this documentation, they say we need to request a copy through the courts.

who said ask for the deed?

please don't follow FMoTl twaddle letters/sites

so as post 7 then...thought so.

signed up for online too no doubt.

this is why its SO important to update everyone with your correct address

please don't follow FMoTl twaddle letters/sites

not sure what that means.

i assume you are suggesting that someone has used her details to obtain these 2 loans in 2008?

would they show up in closed accounts on her credit file?

You asked for the deed of assignment? Or you didnt and its them being clever?

Yes identify theft

If they were defaulted more than 6yrs ago they wont show no.

But that also smacks of them being statute barred?

When was last payment do they say?

we didnt ask for deed of assignment,

we sent them a cca request as you suggested.

it doesnt say that any payments were ever made.

all it says is the amount on loan and duration of 29 and 31 days respectively for the loans, both taken out early 2008.

from what i can see, nothing as ever been paid back.

Brill

Statute barred then

Send them our sb letter from the debt collection section of our library

Head it

I dont not acknowledge any debt to you or your clients

thanks! i'll do that today. i will of course keep you updated

i did as you said and sent the statute barred letter.

we have received a reply stating that the account is on hold while they conduct their investigations

. however, we have since received a letter from resolvecall saying they have been instructed by lantern to arrange a personal visit.

today, i have come home from work to find a card on the doormat saying that they have visited and want to speak to my wife immediately

Ignore resolvecall. Completely.

As post 2