Lantern chasing Loads of old PDL debts

[mac981]

Hi Guys I am after a bit of advice.

 

Back end of week before last I got an email out of the blue from a company called Lantern giving me a reference number and claiming I owed them £2977.63 and that they had been attempting to contact me without success. If I do not reply within 7 days they would refer this case to QDR Solicitors for recovery.

 

I have never heard of them certainly no letters. I checked my emails and nothing came up in a search either.

 

SI may have made a mistake and replied stating who are you

prove that I owe you the money within 13days and default date of this account.

I then also asked for all the info they have on me under GDPR.

Also stated that all communication to be in writing.

 

I got a written acknowledgement back by post t

hen yesterday a thick letter.

 

Listing 6 separate loans with different company’s ranging from 100 to 1000.

Also included were credit agreements.

 

This company seem to be a buyer of debt.

 

Note all of the default dates are from March 2013 to the newest July 2013.

 

To be honest in 2013 I was in a real Payday and credit cycle and walked away from some.

Had debt chasers after me etc but I could not pay at the time.

 

Some of the lenders got into trouble and ended up refund.

There was one company chasing me for ages but I believe they got into trouble for severe bullying and harassment and they simply went dead.

 

Is this them coming back to haunt me but in a different name?

 

Any thoughts of advice would be great full

[fkofilee]

Hang on a sec - Lantern UK... For £2977.63? 

They normally specialise in Payday Loans - So is it for 6 separate loans?

Can you list ALL of the loan accounts they are claiming for?

 

[dx100uk]

retitled and moved to the lantern forum.

lantern are the old MMF PDL debt buyers fleecers re-named

 

if you've paid nothing on any of the PDLs since 1/3/2014

then send lantern our SB letter for Each debt they claim.

[mac981]

Hi Fkofilee. Thanks for your very quick reply.

 

Here is the info from the letter. Look bad but its where I was in 2012-Jan 2014. They are all linked under one account with this Lantern

 

1.      WageDayAdvance

Loan date 16-04-13

Due 10-05-13

Default 10-05-13

Amount £100

 

2.      Mr Lender

Loan date 12-03-13

Due 22-05-15

Default  22-05-3

Amount £150

 

3.      Swift Sterling

Loan date 21-02-13

Due 21-03-13

Default 21-03-13

Amount £780

 

4.      Lending Stream

Loan Date 28-03-13

Due 22-04-13

Default 09-07-13

Amount £135

 

5.      Cheque Centre

Loan date 21-12-2013

Due 20-01-14

Default 20-01-14

Amount £1000.00

 

6.      CFO Lending

Loan Date 30-04-13

Due 20-05-13

Default 29-07-13

Amount £400.oo

 

Also DX thanks for putting it in the right place. MMF yes that’s it, Brought back bad memories straight away. Used to get a phone call from someone called Mike who claimed he was on his way to my house unless I paid up now. He never came tough

 

If you need anything else pls let me know

[dx100uk]

just send them our sb letter

using their mass single ref number.

 

dx

[fkofilee]

Note on Number 5 - Cheque Centre. - They are closed and are no longer trading. Interesting that it was so much for a PDL. 

6 - CFO Lending - They are no longer trading and were seriously slapped about but the FCA in how they treated their customers. If no payments have been made for 6 years than SB is probably the right thing to do. 

[mac981]

Thanks Dx & fkofilee

 

i will do just that as i can confirm i have never paid them at all. They were all hard, abusive & threatening then just vanished until they re-appeared under a new name just over a week ago

 

So do you think they are just trying it on to try to get me to pay something, then the status of the debt would change making it all live again?

 

I will update you of the response. I will go find your SB template

[fkofilee]

QQ - Included in the documentation - Was there statements? 

 

[mac981]

No it was just the credit agreement.

I did ask as below from my email. They were very quick in their response to me.

 

"you must now provide

 

1. Clients name

2. Notice of assignment

3. Signed copy of credit agreement

4. Date of Default

5. Statements of any charges applied and also payments made

 

You have 13 days for the above information to be provided

 

Under the GDPR data protection and freedom of information i formally request you send me all the information you have on file for me. As you claim you are working for a client i want the same information from the client. You have 1 month to do this.

 

Please do not respond to this email other than to advise receipt. Please communicate in writing"

[mac981]

Sorry to be a Dim Wit but where do i locate the SB Letter?

[dx100uk]

in the debt collection section of our library

sorry my autolinks are not working.

 

 

[brassnecked]