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    • I posted a reply earlier which I have now deleted because I realise that I hadn't read your story correctly. You have laid out £1000 on repairs to a vehicle which according to you is probably in need of further repairs. Although you have been rebuffed by the dealer at your first asking, your position would be much better had you provided the quotes for the repair work to the dealer in advance so that he had forward knowledge and was able to present his own opinions before you went ahead and spent the money. This kind of transparency is essential when you are in conflict with somebody who may later on dispute the value of the work which was carried out. Fortunately you have had more than one opinion from independent garages and this will be very helpful to you. So in order to recover your money, you have prepared a letter but which is rather open-ended because it simply says that you would like to have a reply within 14 days or else you may go and see a solicitor. Given that you have been rebuffed quite peremptorily by the seller of the vehicle, I don't think that this is going to make very much impression. You need to take control of this and assert yourself. I notice that you say that you are too exhausted to look around for a replacement vehicle. Do you have the stamina to conduct a small claim against this dealer? It's very easy but it will require some tenacity and there won't be a quick solution. I can expect to go on for six months or so before you get a result unless the dealer decides to put their hands up. I would avoid going to a solicitor if I were you because first of all you incur expenses which you will not get back from the dealer. Also the solicitor will start off by sending letters which will simply delay things further and of course will incur further costs for you. You haven't told us the name of the dealer – even though you have been asked by another member of the site team. He also haven't told us anything about the car – the make, model, year, mileage and price. I think we will have to modify your letter based on whether you think that you would be prepared to take your own small claim action. If you do take a small claim action then your financial outlay will be fairly minimal and everything you do outlay will be recoverable – assuming that you win. On the basis of what you say, I would guess that your chances of success are much better than 90%. However, there is the issue that the dealer may try to challenge the value of the work you have had carried out because you didn't give him any advance notice. We will have to deal with this.  
    • So Guys, After sending the last letter as everyone else  here I got a reply from Moriartylaw with a statement that ADCB instructed them to act on their behalf and a copy of all my credit card bank statements. Not sure what to do now. They want me to respond and supply them with a list of asset and liabilities.    please the attachment of the letter. moriartylaw.jpeg.pdf
    • Okay, let me start again. In terms of planning, is it not enough to say they don't have it since it's not shown on the council site? If not, if I ring Stockport planning would they put in writing that there's no planning?   I could contact the land registry to find out who the land owner is. If I contact them directly maybe they'll tell me if they have a contract in place. If they ignore my request too then should I be doing other things to find this out?
    • I'm trying to work through this step-by-step as I read the story again. There was a dispute over a will in respect of your grandfather's house but the dispute was eventually abandoned and it seems that the house was apportioned to your mother and her brother who presumably were the only two children. The will was unsigned and so we could say that the house passed to the two of them under the rules of intestacy. You then decided to buy the house for £50,000 and presumably the money you paid was divided between your mother and your uncle – who were the owners of the house. This was in 1999. We talking about 20 years ago here and so in respect of most legal questions I would have thought that some limitation period applied. (However the issue of the trust has been raised – and this wouldn't be affected by limitation) However, presumably the house was bought at a proper value given the market at the time and any work that it needed doing. Presumably the house was properly conveyed. Although a lot of things have passed – including home improvements, tenancies et cetera, from the store you have told us, neither your parents nor your uncle have been involved in this at all. Now you have received a letter from your parents saying that the house is really theirs and that you have simply been holding it on trust for them and they now want it back. Is this a reasonable summary of what has happened?   Although you have written a fair bit about bills, tenancies, and that you have lived in your parents home for some of this 30 years, I'm not sure what relevance that has to the problem. I have to say that your explanation is very unclear. A bit rambling in fact. If you think that part of the story is relevant then maybe you'd like to express it all a little more clearly and say in what way you think it is relevant to the problem. You are much more familiar with the story then I am but I don't see that those factors are terribly important on the brief understanding that I have. if if any money is owed to your parents because of you having lived with them et cetera then it seems to me that that is a separate matter and has nothing to do with your ownership of the property. You say that you have received a letter from solicitors claiming first of all that there is a constructive trust or that you might be subject to a proprietary estoppel. In terms of the estoppel, that doctrine is only available in very particular circumstances and could not be used to attack you in any event. Estoppel, whether it is proprietary or promissory can only be used as a defence. So the question of estoppel in this situation is completely irrelevant, in my view, although I don't see any basis for one in any event. So what remains is the possibility of a constructive trust. It seems to me to be highly unlikely that there is such a trust and I think that the first question needs to be asked is on what basis they consider that there is a constructive trust. Secondly, of course, even if there was a constructive trust, on the basis of what you have told us, it wouldn't only be your mother who was the beneficiary, it would also be your uncle. Furthermore, if you were a constructive trustee then at the very least you would be entitled to recover all of the expenses that you had laid out over 30 years – including the cost of the property plus interest – less any financial benefit that you had accrued from renting it out and so forth. I'm not sure how good this analysis is. This is well out of my experience – but I would suggest that you consider it and see whether any of it rings true. I would also start making a very detailed account of all the money which you have spent over the years on the property and also a detailed account of all the benefits you have accrued from it. I would supply this to their solicitor that if you end up having to instruct your own lawyer then I'm sure that you may be asked for this if there is any suspicion that a constructive trust may exist. Frankly it sounds like a load of rubbish to me that we will be very interested if you will keep us up to date. So there you have it. No particular answers. Just a few unsupported and unqualified opinions    
    • Hello and welcome to CAG.   I agree with dx, hiring a lawyer is unlikely to help as most of them don't understand fare matters, so you end up paying for their learning curve.   Your idea about involving your GP is a good one, it sounds as if you need their input with how you're feeling. And if they would write a supporting letter that could help too. Hopefully your medical information will be through in time.   HB
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MMF/Lantern - Court Action threat?

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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

Edited by dx100uk
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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.


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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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

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Hello guys. I need some help.

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


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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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.

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


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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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?

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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


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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

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are all your old address showing in linked addresses.?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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and that's where your problem lies then

how long have you been of voters

most of the last 10yrrs?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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