Latern default wrong address

[iempire]

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

[fkofilee]

Whats the date of default and what is the original account from?

 

[iempire]

July 2019 (I moved in to my current property October 2018)

 

 

I'm not sure what it's for but I thing probably some form of payday loan/quick quid/wagedayadvane something along those lines 

 

It only says lantern on credit report

[fkofilee]

Hmmm - Sounds like it could be as CSE used to sell debts to Lantern... 

[iempire]

So what do I do 

[dx100uk]

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?

 

 

[iempire]

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

[Andyorch]

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

[iempire]

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"

[Andyorch]

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. 

[iempire]

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

[Andyorch]

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.

[iempire]

And if it is mine but sent to an address Ive never lived at I'm stuck with it for 6 years because I couldn't meet the default deadline I knew nothing of

[dx100uk]

you would need to prove you could have paid it.

[Andyorch]

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 ?

[iempire]

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

 

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

[dx100uk]

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

 

[Andyorch]

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.

[iempire]

Update

 

It seems they are blaming each other.

The CCJ they have sent me has my current house number and post code on and my previous street name and village name

 

docs1.pdf

[dx100uk]

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.

 

 

 

[iempire]

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

 

[dx100uk]

hey well done

 

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

 

dx