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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.

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

 

 

Andy


We could do with some help from you.

 

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:bump2: 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.


We could do with some help from you.

 

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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If you want advice on your thread please PM me a link to your thread

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Have you moved since taking this out?


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Mmf are masters at issuing backdoor ccj's

Even if the debt is statute barred


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Moved to the mmf forum


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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.

Edited by dx100uk
spacing

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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.


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PLEASE DONT USE REPLY WITH QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

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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.

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its statute barred you've told them

letter writing does not stop the clock!!


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


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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.

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They are talking rubbish!!

Sb is not from the due date!

It from your last payment

 

Typical bs from mmf


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1. Single Premium PPI Q&A Read Here

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3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

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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.


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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


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1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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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.


DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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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.

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