I took a call from a Lantern rep about a 6 year old QQ debt yes I know that was stupid but please advise

[MarkHeis]

Hi, I was not of sound mind when I took a call from Lantern re: 6 year old debt but it happened.

They are chasing just under a grand, they offered it for 200, I said I had to go as working. 

They have since emailed me,

Am I right to assume they do not know my address so should I inform them in wring to avoid a backdoor CCJ?

Any advise is greatly appreciated, thank you. 

Edited December 14, 2020 by MarkHeis
added age of debt

[dx100uk]

yes you must.

are you saying you last paid or got this QQ PDL more than 6yrs ago?

 

expand please

a phone call can't reset an already barred debt..no-one can do that not even a judge once barred always barred.

hope you've not done the same to other debts in the last 7yrs else more bad news and even backdoor CCJ's could be in the air

you must never move without informing debt owners. as i think you've now read.

 

dx

 

[MarkHeis]

Thank you so much for your reply.

Last paid. To be honest I don't have a lot more info, I am glad to hear about the phone call.

Only 1 other debt - my current utility company - I am behind so they are offering a PP.

I will email Lantern with my address.

Is there a standard letter I should sent by post after?

Thank you again.

[dx100uk]

is this on your credit file?

 

[MarkHeis]

No it's not 

[dx100uk]

if this was signed upto at a previous address just ensure that address is showing upon your file

but it's looking like it's statute barred if the above is true

so send MMF our statute barred letter from the debt collection section of our library

put it and them squarely in their box.