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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?

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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

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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has she moved in recent times?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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

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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

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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.

Edited by dx100uk
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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 hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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.

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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

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...

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

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Ignore resolvecall. Completely.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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As post 2

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites
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