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    • I very recently received emails from Lantern about a payday loan taken out in Feb/March 2008. The email refered to the fact I had been looking at Bankruptcy options and they referred to our 'recent communication'.   I was declared Bankrupt in July 2008 and this was part of that.   That said, they sent me the email out the blue and after reading the content of the forums here I decided to send them the 'prove it letter'. At this point I only replied via email and did not give my most current address, which has changed since 12 years ago! The email was from the 11th September. I replied on 11th September with the prove it.   They then sent me the credit agreement on the 9th October, some 28 or so days later - I guess they ignored DPA and all that.   I replied same day via email with the statute barred letter. I got an instant replay saying that they hadnt heard back from me and needed me to reply.   I replied again with the statute barred letter.   They have since replied to that email with a request to provide details in order to comply with the DPA - name, address, DOB, email. I have printed the Statute barred letter, included my up to date address and sent it recorded delivery.   Is there anything else I should be doing? SRA request? I have definitely not been in touch with them for 6+ years so its absolutely statute barred. I could send them the details fo the bankruptcy but I get the feeling they will be difficult about that - I cant find my copy of the order so I would probably have to obtain a new one and pay - I'm guessing they would be difficult about just giving the reference and date and court and sending them a letter getting them to get in touch with the receiver, so I think im better with statute barred for now?   Any help or advice greatly appreciated.
    • Is there a template letter i can send ? cant seem to find one ?
    • Page 55 onwards....   New section 78A of the CCA requires that, in most cases, the creditor must inform the borrower in writing prior to any variation in the rate of interest27. This applies to agreements entered into on or after the date the new provision becomes effective, and also to open-end agreements that are already in existence at that date. The effective date is 1 February 2011 unless the creditor chooses to comply earlier. 12.2 Section 78A applies to all regulated consumer credit agreements other than agreements secured on land and unauthorised overdrafts.   https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/422707/bis-10-1053-consumer-credit-directive-guidance.pdf   http://www.legislation.gov.uk/ukpga/1974/39/section/78A   Andy
    • Hi All, Got defaulted on a Tesco CC many years ago. Have been paying them £5 a month for around 11 years, still owe £6K. Had Intrum take over this year calling me all the time. Anyway kept paying Tesco but in February this year sent Intrum a request for my original CCA, letter attached. Received a reply back from them on October 3rd, see attached. Just want advice on how to reply to them as they have just sent me a completely new set of Tesco T & C's, telling me I had 2 weeks to respond or accept these?tescointrim130219(2).docxtescointrim130219(2).docx Intrum reply.pdf
    • Ignore until a Letter Before Action, would be good to post up pdf of stills of the signage so we can zoom in on the small print, as that is where they trip themselves up.
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Insurance FCA rules & other useful info

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This pinned thread is for useful links to Insurance regulations and any other helpful info.


FCA links to ICOBS, which contains details of standards Insurers are expected to follow. Also a link about fair treatment of customers.






Information from Association of British Insurers on the Consumer Insurance Act




Claims underwriting exchange ( CUE) - central claims database used by many Insurers.



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