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MMF/lantern - Emails received nearly 12 years after debt


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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?

SAR 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.

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No more letters your Statute barred letter concluded matters and the fact its already been wrote of in your Bankruptcy.

 

Andy

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next time don't bother sending stupid prove it letters

SB letter straight away.

 

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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2 hours ago, Andyorch said:

No more letters your Statute barred letter concluded matters and the fact its already been wrote of in your Bankruptcy.

 

Andy

 

1 hour ago, dx100uk said:

next time don't bother sending stupid prove it letters

SB letter straight away.

 

dx

 

 

Thankyou kindly to you both.

 

Could i just check for my sanity please; once I have sent the letter if they have tried to be sneaky and backdoor CCJ or something then any action they have in process they should cease immediately? Just worried as they will get the right address as of tomorrow.

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So you have moved since you entered into this agreement and they dont have your current address ?

We could do with some help from you.

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7 minutes ago, Andyorch said:

So you have moved since you entered into this agreement and they dont have your current address ?

 

Thats correct. I moved about 2 years post BR and so the original creditor would have been contacted by Receiver but Lantern look to be trying to resume a collection maybe having purchased the debt? My email address, which is how they contacted me, has remained the same.

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Well they will have your current address once you post the SB letter...or  better still details/proof of its inclusion in your Bankruptcy

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

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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9 minutes ago, Andyorch said:

Well they will have your current address once you post the SB letter...or  better still details/proof of its inclusion in your Bankruptcy

I agree, this would be the simplest way forward. But I cant put my hands on the copy of the BR order with the breakdown on so it would mean contacting the court and requesting a copy at a cost, so thought this way would get to the same place minus the cost.

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Copy documents – fees order 8.1-8.2

 

If you ask the court to make copies of documents, receive or send a fax for you, or provide a copy of a document already provided: • For between one and ten pages of any document. £10 • For each subsequent page of the same document. 50p per page

We could do with some help from you.

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Ah Lantern? The wife has recently got one of their demands for a debt that's around 5 months off becoming SB. Are these people desperate or have they bought a lemon portfolio? Anyway, shouldn't be too hard to play a little letter tennis if they up the game a bit just to get it over the six years.

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create you own topic please

don't enter into letter tennis till we see the pdf please

 

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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