Hi, been quite a while since posting in regards to this thread. Things went quiet a while with Lantern concerning my complaint. On Friday past I received a final complaint response from Lantern upholding my complaint however they told me I need to put a repayment plan in place as the debt is not unenforceable.
They confirmed I was right the Fixed Sum Loan Agreement document was incorrect therefore apologised only, and remedied this by amending the address back to my old address after using a Credit Reference Agency. Apparently they can do this as they said it was a reconstituted agreement.
I had to start a payment plan with them as it seems I have no defense now they have sent me a new Fixed Sum Loan Agreement.
If I were to forward this complaint onto the Financial Ombudsman do you think I would be in a good situation to report Lantern's poor business practices?