Which Court have you received the claim from ? Northampton Name of the Claimant ? Lantern Debt Recovery Date of issue – 17th November 2022 filed acknowledgement of service 01/12/2022 Particulars of Claim What is the claim for – the reason they have issued the claim? 1.The defendant owes the claimant £148 under a regulated loan agreement with Active Securities Limited also known as Active Securities Ltd T/As 24/7 Money Box dated 05/12/2016 and which was assigned to the claimant on 31/12/2021 and notice of which was given 31/12/2021 (debt). 2. Despite formal demand for payment of the debt the claimant has failed to pay 3.and the claimant claims £148 and further claims interest thereon pursuant to section 69 of the county court act 1984 limited to one year to the date hereof at the rate of 0.00% per annum amounting to £0. What is the total value of the claim? £233 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? I don't think so Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes Did you inform the claimant of your change of address? No, I was not aware of alleged debt Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? PDL When did you enter into the original agreement before or after April 2007 ? It says 2016 on the form Do you recall how you entered into the agreement...On line /In branch/By post ? No Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? No Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Assigned to Lantern 31/12/21 apparently Were you aware the account had been assigned – did you receive a Notice of Assignment? I don't recall Did you receive a Default Notice from the original creditor? I don't recall having dealings with 24/7 Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ? No Why did you cease payments? I don't recall the debt What was the date of your last payment? I don't recall the debt Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No

Hi all, I have had a claim form through from Lantern Debt Recovery for a loan from 24/7 Moneybox dating back to 05/12/2016. The claim states: 1. The defendant owes the claimant £147.48 under a regulated loan agreement with Active Securities T/As 24/7 MoneyBox dated 05/12/2016 which was assigned to the claimant on 31/12/2021 and notice of which was given to the defendent on 31/12/2021 (Debt). 2.Despite formal demand for payment, the defendant has failed to pay and the claimant claims £147.48' etc... Now, I don't have any recollection of this debt and have no knowledge of having been chased to pay it - I did have a number of payday loans so there is a chance that this was one but I genuinely don't have any information on it. I have filed a request to extend my time limit to 28 days and intend to defend it on the basis that I don't recognise the debt. Can I ask for proof of the debt owing and how do I go about doing this? I have not had to do anything like this before. Is not recognising a debt even a defence? I don't know where to start - any help would be massively appreciated - if the defence fails, I can pay the debt but I don't want to straight away as I don't know what it relates to. Thanks, Squirrel