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    • well the only way now to get it removed is via a set aside cost £255.   even paying the CCJ and it being marked as satisfied will not sadly improve his credit file nor prevent it poss killing any credit for the 6yrs it will show on his file for regardless to payment.   TBH: there would have to be something seriously wrong for a set aside to succeed  location of the car park might help us at the least.    
    • I had  a 5yr fixed rate mortgage with Norwich & Peterborough before they merged YB. I was to pay £585.27 Per month for 60 months fixed @ 5.85%.   first year ok,   for the following three years as their SVR increased so did my mortgage; £589 1st increase 2nd increase £595, 3rd increase £599. Along with the increases I was also charged late fees etc. from 2008 onwards.   I did receive a letter due to the enquiry into their fees but that only refunded from 2009, where I had been incorrectly charged after one month in 2008, plus the charges wern’t consistent with the £25 they allege to charge sometimes i was charges £32.50. I know the increases are not considerable however with them increasing the mortgage due to their SVR increases did they  1.    breach the terms & conditions of the mortgage contract. 2.    switched my mortgage to a SVR.   Any ideas appreciated.  
    • Thanks Dx, I’ll have to ask him if he wants to go any further and tbh I’m not sure he has anything kept, the claim form, etc. I’ll ask him tomorrow and see what he says or has.
    • opps no outside of the 33 days he had to pay it for it not too show sadly.   we are going to need far more info than what we have here now to even think of suggesting a set aside. this is compounded by the fact hat you say he totally ignored everything inc the claimform?   oh well time for you to get scanning. scan everything he has please  every letter, the lot.   one good point is we only need the front page of the claimform..not the complete pach from northants bulk.   please makes sure you redact things properly but leave times and dates etc. just remove his pers details, reg/pcn/ref numbers and any bar or QR code boxes. read upload  put everything in ONE MULTIPAGE PDF FILE ONLY please     the sad fact here is premier haven't ever won any CCJ's when cases are defended. they run away.
    • in their WS they state its a recon, [pages 1-10] urm something smells here for this to happen for an online 2012 signup.   pages 1+4+5 appear to be missing??   need to discover whats going on here  so scan up the pages 1-10 as clear non blurred uploads no good to us if we can see them   if you need to send them via the secure email then do so and i'll do it. but we need to see the text of all 10 pages very clearly to workout what they have done..   its better you look stupid infront of us than lose another case infront of a judge.  you only waste the forums time when you don't follow what has been already advised  esp when it runs the clock closer to a deadline - its 3 weeks we've been waiting for these docs now and what do we get..mostly blurred uploads we cant read...
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rn123

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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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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 ?


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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

 

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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.

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

 

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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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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