Lantern debt recovery.

[dave466]

Good afternoon all.

 

So I have received an email from lantern debt recovery but its a bit of a strange one and I'm not quite sure whether they are allowed to do what the have done.

 

I had some cheque cashing loans (cheque centres ltd) from the past (I guess from over 6 years ago)

 

And I have recently (about 3/4years ago)  had a loan from everyday loans.

 

Now I have an email from lantern as below and they have rolled it all into 1 and it's showing on my credit file that the start date is from 08/08/2018.

 

Email is

 

CUSTOMER REFERENCE: xxxx
CURRENT OUTSTANDING BALANCE: £2243.88

Dear xxxx

 Welcome to Lantern Debt Recovery Services Ltd (Lantern).

 

We are writing to let you know that your Everyday Loans Limited account (xxxxxxx) has been sold to Lantern Debt Recovery Services Ltd (Lantern). The effect of this assignment is that Lantern now own the debt and will perform all the obligations stated in your agreement, which includes the collection of the outstanding balance.  

 

Click here to download your goodbye letter from Everyday Loans Limited, please note you will need to enter your date of birth.

 

We know circumstances change and it can be uncomfortable talking about finances however, we are specialists in helping our customers find the right solution for them and we are here to help you.

 

We have allocated you a new reference number (shown above) which replaces any previous reference numbers you have had. Please use this in all future contact with us to help us identify it’s you and any payment made is allocated to your account easily.  A statement of account will follow shortly, but if you believe any of the information we hold is incorrect, please let us know immediately.

 

Below is a breakdown of the accounts we hold for you.

 

Original Lender Name	Reference	Amount Outstanding
Cheque Centres Limited*		£150.48
Cheque Centres Limited*	(Dup 2)	150.48
Cheque Centres Limited*		150.48
Cheque Centres Limited*		150.48
Cheque Centres Limited*		150.48
Everyday Loans Limited		1491.48

 

How we help our customers;

• We put you first.
• We’re easy and straightforward to communicate with.
• We’ll help you set up an affordable repayment plan based on your circumstances.
• If you have other accounts with us in a plan, we can adjust that to include this account.  
• We’ll never expect you to pay more than you can afford.
• We’re great at listening and finding practical solutions to help, especially in sensitive situations.

 

What’s the next step?

The sooner you get in touch, the quicker we can help you. You can do this by using any of the following options:

• Manage all of the accounts you hold with us, set a payment plan or send us a secure message by registering with our online customer portal at www.lanternuk.com/account.
• Chat with us online by visiting our website www.lanternuk.com and clicking on ‘chat’.
• Email us at customerservice@lanternuk.com remembering to provide your reference number and full name.
• Talk to us on 0113 887 6876 (as our resource may be limited during the current Coronavirus situation, we will be able to handle your query more speedily using either email or webchat, but please bear with us if you prefer to call). 

Yours sincerely

 

Lantern

 

My report shows

Account detail

 

Lantern

 

£1,491

Current balance

 

Currently open

OVERVIEW

 

Account type

Unsecured Loan

 

Status

Default

 

Account number

**************xxxx

 

Last updated

30 Sept 2021

 

Start date

08 Aug 2018

 

 

PAYMENT INFORMATION

 

Opening balance

£1,491

 

Repayment frequency

Monthly

 

Date of default

30 Dec 2019

 

Promotional rate

No

[dx100uk]

they should not be using email, they have no way of knowing you got it.

 

so they've purchased your complete portfolio now.

 

 

do you know if there is a link between cheque centres ltd and everyday loans?

 

have you moved since starting your relationship with each original company?

 

i have moved you to the Lantern/MMF forum, they are well know for pulling stunts like this too.

 

dx

[dave466]

Ah just realised report only shows the everyday loans amount. 

[dx100uk]

oh good. drop that question above then..

[dave466]

I have moved in 2019

[dx100uk]

and you did not update the original creditor you had moved..just ran away? 

[dave466]

No mate not at all.

Long story short and don't want to go into details but my soon to be ex wife had the loan but in my name and I didn't realise til recently and said she was going to be paying it etc which she obviously hasn't. 

[dx100uk]

simply WRITE via royal mail.

 

please note my correct and current address as above in relation to your ref no. xxxxxxx

 

if you wish attach a printout of the email.