I am after some advice,
last week I received an email from LanternUK chasing a debt from 2013.
I didn't recognise the debt until I done some searches on my email and it looks like this was purchased from Vivus Loans.
I sent them a formal request for information as I had no knowledge
they have returned to me today with the details including Loan Date, Original Due date etc.
I have tried to match this to closed records on my credit file and I am unable to find this.
After getting this loan I entered into a payment plan with all debts and I consolidated them into single payments which have now all been cleared,
in 2017 I was contacted by payplan to be advised that payments had started to be returned and they were unable to have contact with Vivus.
At the time I thought it was cleared and that was the end of it.
During the period of me paying into the payment plan I received 2 offers from MMF to settle In 2016 and in November 2014 I received a letter which I responded to and advised they must contact payplan as payments are being sent to clear this debt.
Fast forwarded to 2018 I have settled all debts during a process to buy a house, I was monitoring my credit score and accounts closely and have not seen this debt appear on my report in the last 5 years at least.
They are now emailing as they do not have my current address and I have received the below email.
My question is how is it best I respond to this email? From my understanding this was being paid off. I would love for some advice if anyone can help?