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    • How was the "receiver" appointed and what is their role? Appointed by the lender under the terms of their security on the loan (sometimes referred to as "LPA Receiver")? Or are they acting for you in insolveny? What's the current role of the agent?
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    • so a new powerless B2B debt DCA set up less than a month ago with a 99% success rate... operating on a NWNF basis , but charging £30 to set up your use of them. that's gonna last 5mins.... = SPAMMERS AND SCAMMERS. a DCA is NOT a BAILIFF and have  ZERO legal powers on ANY debt - no matter WHAT its type. dx      
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Latern default wrong address


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Hi

 

I have decided to work kn my debts.

 

Looking at my credit report i have 8 defaults with various dates.

 

The one I'm asking here about is o e Lantern has placed on my report in July of this year.

 

The default is registered as my current postcode but my former street name and the wrong house number so I have never had any correspondence.

 

 

What do i do other than paying it off and having it on my file for 6 years

 

 

Thanks

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MMF didn't file the default

the original creditor did upon or before sale

 

I would never blindly pay a dca NO.

time for a CCA request me thinks.

 

you indicate you have lots of old PDL debts?

 

ever thought of firing of some irresponsible Lending Claims off?

 

 

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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Sorry I must clarify.

 

The other defaults aren't for PDLs they are for various debts when I was younger and foolish.

 

I don't dispute the debt and I don't mind paying it off, was just wondering if I could dispute the default etc with it going to an address I've never lived at as I'm stuck with it on file for another 5 and half years

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The address is irrelevant really...its your debt and you admit to the debt and default......I would issue a notice of correction to the CRAs and get the address corrected..

The marker will remain for  6 years...paid or unpaid with or without the correct address.

 

Andy

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So what's the point of a default if a DCA can just send it to any old address if the "address is irrelevant really" 

 

I'm not saying I dont owe the debt as I'm assuming it's a PDL as it seems that is what lantern are known for collecting. But how does anybody comply with a default notice of it can be sent to any old address and defended by the notion of "the address is irrelevant really"

 

That's like me saying well I've sent a cheque to cover the debt to an address you're offices have never been based at and as far as I'm concerned that covers it as the address is irrelevant really so not my issue you haven't cashed the cheque"

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Irrelevant with regards to the default marker on your CRAs....relevant if you have informed all your creditors of any change or incorrect address and they continue to use an incorrect address.

 

Default markers are against a person....not an address.

Not receiving a default notice is a different matter entirely if the creditor is at fault. 

We could do with some help from you.

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Well given ive never dealt with lantern and found it by chance on my credit report and the wrong address is against it I couldn't inform them of wrong address.

I merely want the fault sent to my address so I can pay it within the limit.

Perhaps I should write to lantern explaing all this.

I wasnt sure if was any grounds I had given it wasnt sent to old address  it was an address I've never used

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Well yes thats the correct process to start with....find out what the agreement/debt is....if its not yours and been placed in error then they can correct your credit files.

We could do with some help from you.

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you would need to prove you could have paid it.

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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But if it is yours surely you would know that you are not making the monthly payments and therefore correctly you have been defaulted ......assuming you have been making the monthly payments on time why would the creditor send it to an incorrect address ?  have you not been receiving any statements or general correspondence in connection to your current address ?

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 OTHER

 

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

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MMF didn't file the default

the original creditor did upon or before sale

 

a debt buyer simply has their name substituted for the OC when they buy the debt.

 

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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37 minutes ago, iempire said:

I've received nothing at all from this lantern people.

 

Would bank statement/wages prove I could have paid it at the time?

 

Easier to ring them up and check they have the correct person....perhaps send them a CCA request also.

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 OTHER

 

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

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  • 1 month later...

urm..

myjar are saying they did issue a default notice, 7/7/19 but as you resolved the issue within the time frame on the DN, a default was never registered.

but its on your credit file..urm..

 

naughty Latern then, but nothing unusual for MMF to pulll stunts like this.

they can't even get the date of the DN right in their reply, they've put 2020!

 

lantern MUST remove it as the Original Creditor clearly states, they never roistered the default as you complied with the time limit of the Default Notice and bought the Account back into credit within the quoted timescale.

 

send a copy of page 3 to lantern

 

give lantern 14 days to remove the default 

or you WILL be opening a serious Complaint with the ICO against them without further notice.

and be seeking financial compensation for the damage this has done to your credit worthiness.

 

 

 

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 guys are awesome!!

 

"After reviewing the final response letter you have been sent by **** we have put steps in place to remove the default that has been registered in your name by Lantern.

We have sent details to all three credit reference agencies, giving them instructions to remove the default that has been reported by Lantern. Your credit file will be updated in the next 14 days.

 

 

Similar response from the original creditor

 

Thank you all sincerely

 

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hey well done

 

comeback when you have proof the default has infact been removed from all 3 CRA files.

 

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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