Text from Lantern regarding CFO debt

[Carkeys]

Hi, 

 

Ive had a random text from Lantern regarding a debt with CFO lending. I've logged into their portal, and the debt is £300. The last payment was apparently May 2017 (which I seriously doubt).

 

I believe CFO is/was a payday lender, and I got into a load of debt with many many payday firms around 2010 - 2012. There is nothing on my credit file relating to CFO or lantern. 

 

I've read they are MMF is a new coat and really don't want to risk a credit file issue. I'm pretty sure I paid MMF for several accounts years ago (again, would have been around 2010/12). The address they have on file is an old address, which I left in 2017.

 

Should I ignore it, send them a SB letter or take another approach? (I'm pretty sure I would not have made any payments for over 6 years, but only pretty sure).

 

Thanks

[Carkeys]

Or really, dammit. I just dont want to risk anything dodgy appearing on my file. Surely logging is not classed as contact with is it?

[Carkeys]

If I'm honest, DX I was a bad back then. I left debt all over the place, which I'm not proud of. I genuinely couldnt tell you who I took loans with, whether I paid them.

[Carkeys]

Ok, I'm going to send the SB letter with my new address.  I'll get it in the post today.

 

Lets see what happens.

 

Thanks guys.

 

donated, thanks

[Carkeys]

My current address is on the SB letter, surely they have to update records based on that?