Lending Stream now Lantern

[adam1992]

Can I inquire re-reading the comments despite my opening post 

 

I can still complain to the original lender about poor lending? Even though the debts have been sold on or does that not matter?

[dx100uk]

whats the real problem...

both the above have already been answered before..

 

 

[adam1992]

There were posts above form someone else that have now been removed & made it conflicting.
 

Reading the thread I still don’t understand if I can or not - and don’t want to upset the Apple cart with then if I do. I’m not trying to be difficult and apologise if it comes across that way

[dx100uk]

it is not correct that an IRL complaint goes to a debt buyer.

always the OC, our relevant guide clearly states that.

 

but have you not already sent them an irl complaint?

they replied

but you left it outside of 6mts to fwd to the FOS so are out of time now?

 

what are you worried about?

you wrote to MMF

they have your correct address

and have done norhing further to date?

 

 

 

 

[adam1992]

I complained once years ago over email and this is where they cancelled two of them I believe.

 

so I’m asking can I send your letter still and see what comes off it to LS?

 

Also with CCA, how do I obtain it for the other accounts? I believe their letter mixed them together and only listed one account number

[dx100uk]

why have MMF been recently chasing you then?

 

if you did not send an IRL complaint to LS regarding each loan....then I see no reason why not? 

[adam1992]

MMF I believe took them over or bought them from LS.

 

I did send a complaint to LS in 2016 via email, I think it may have been Irresponsible Lending I can't be sure I don't have that email only there reply which is in the opening post.

 

I have thus far heard nothing from MMF since the sent the first agreement posted

 

 

[dx100uk]

On 17/03/2019 at 21:40, adam1992 said:

 

Loan ID	Borrowed Amount	Total Paid	Remaining Borrowed Amount
A	£120.00	£86.48	£33.52
B	£120.00	£19.28	£100.72
C	£140.00	£0.00	£140.00

 

 

as far as I can see you poss owe MMF approx. £700

but as they've not complied with enforceable agreements on loan A/B/C ?

and you've already written not emailed them not emailed a CCA request with regard to one of the above?

and you've not moved since?

 

stuff and all they can do.

just do not ignore a letter of claim or if you've moved since the one CCA.

 

dx

 

[adam1992]

Lantern Contacted Me about a £50 LS debt.

The CCA I requested came 10/2019

- and didn't have my name/address/account number..etc..

which advise was unenforceable above.

 

After that a few days later they sent me a new letter stating I now had multiple accounts with them and totalling £940

these included the LS figures but one of them was supposed to have been cancelled by LS per the email

and another was lower than the balance Lantern are stating per that email too.

I'm guessing LS sold the debts on without removing the interest that they said they were doing for repayment..

 

I don't know what loan I CCA'd for now (i have the lantern letter but it doesn't have an account number from LS on it)  as the figure is completely different and is one of the two that should of been cancelled looking at it. 

 

I have an account breakdown from Lantern with 4 original creditor references on.

 

A month later in December they sent me an offer of 50% off the balance if I paid £400-500.

I'm just confused because they've bunched everything together and probably haven't explained well to you.

 

[dx100uk]

what was suspected then

latern have simple merged them all and given it a ref number from them.

 

if they are offering 50% discount, then that's a very good indicator they've nowt to enforce

it would be better if you blocked and did not use email ever again

simply gives them a freeway to harass you.

 

pers i'd ignore them until/unless you get a letter of claim.

 

 

[adam1992]

Thanks DX I'll just wait then.

 

I haven't emailed Lantern at all the email was to LS in 2016

[dx100uk]

sorry if its been asked but have you moved since taking these out with LS?

 

[adam1992]

Hi DX

 

I have moved, been nearly 3 years now. Lantern contacted me at my new address

Edited June 25, 2020 by adam1992
wrong spelling

[dx100uk]

But have YOU written legally informing anyone of this

 

 

[adam1992]

So I sent the CCA request back to MMF who then sent me what was posted in the thread earlier on. Is this not enough for knowing this is my address?

 

They found me, I replied from said address, they replied again.

 

Or do I need to write them a formal letter as well?

[dx100uk]

no that's perfect

was on a small screen

couldn't scroll back easy.

 

yours is not the next move...if any..

[adam1992]

Do I do anything here?

 

They have began calling multiple times this week & even contacted my old address via telephone too last month..

[dx100uk]

well failed the CCA request then.

 

as my last  post

 

time to get reading up here on CAG too adam!

CAG is self help as well.

[adam1992]

DX

 

after reading I’m just ignoring calls & such as that seems the right action.

 

as they will be coming up next year to being Statue Barred I understand this goes from the last date of payment.

 

does my complaint to the original lender effect this?

Edited August 24, 2020 by adam1992

[dx100uk]

a cca request is not acking a debt.

 

dx

[adam1992]

Update:

 

My lending complaint was rejected as they’d already responded to a complaint a few years ago which I didn’t realise (old Email).
 

In my complaint I noted they still hadn’t removed accounts as they said in the reply to the original complaint and added interest but this didn’t seem to get answered..

 

They removed 2 accounts from my credit file during the past two months and just today added them back on..

I also notice the address is still incorrect on the account on my credit file. But as I sent the CCA & they responded to my current address I’m assuming I’m fine in that regard.

 

gues it’s a waiting game now

Edited December 13, 2020 by adam1992