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PortSN18

qq/lantern - steps to take-IRL Claim.

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So I have a balance of £480 from QQ sold on to Lantern. It has since fallen off my credit report.

 

I have sent a SAR request to both. What else should I do?

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What do you hope to achieve...why have you sent a DSAR ?

 

Andy


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Well I don't want to be paying more that I should be or get taken to court. The qq account fell off my report in May, I don't want another entry.

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are you not going to hit them with an IRL claim?


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Thats's why I'm doing the SAR so I have all the information.

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then await it and put in the claim.

 

it cant comeback on your file


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Thats's why I'm doing the SAR so I have all the information.

 

Ahhhhhh makes sense now as you failed to say why you was doing it in your 1st post...thread title updated


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Got an acknowledgement email from Motormile/Lantern to say that they will process my request as quickly as possible.

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Received details from Lantern but still waiting on QQ.

Obviously Lantern only have details of the one loan so isn't much help in a IRL claim.

 

Original Creditor: QuickQuid

Lantern Account Number:

Client Ref:

Client Ref 2:

Type of Account: High Cost Short Term Loan

Loan Open Date: 03/01/2012

Loan Due Date: 25/01/2012

Delinquency Date: 29/03/2012

Last Paid Date to Original Creditor: 25/02/2016

Default Date: 21/05/2012

Rollover/Extension: 2

Original Loan Amount: £500.00

Original Loan Interest: £590.00

Loan Fees: £24.00

Amount Paid: £551.24

Balance Sold to Lantern: £489.00

Amount Paid to Lantern: £7.84

Current Balance: £481.16

Last Paid Amount to Original Lender: £5.00

 

Where do I go from here with Lantern. Do I let them know that I am waiting for info from qq so the account is still in dispute? Basically they are pursuing me for interest that amounts to the same amount as the loan, I have already paid £551.24 to QQ.

Statement_of_Account.pdf

Edited by PortSN18

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My credit agreement with qq states that I need to repay £722 (£500 loans + £222 interest) and that there are no additional charges after the due date, only £12 late fees.

 

Well my statement shows interest of £147 added 4 times and 2 late charges.

 

Meaning that my balance when sold/transferred on should have been £302.76 not £819.

 

I have since paid off £559.08.

 

My account info does however mention a rollover/extension twice so does the 2 extra interest charges of £147.5 each stand?

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I would trust MMF as far as I could spit.

await the QQ info


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