Lantern Claimform - 24/7 MoneyBox Loan

[QuickSquirrel]

Hi all,

 

I have had a claim form through from Lantern Debt Recovery for a loan from 24/7 Moneybox dating back to 05/12/2016.

 

The claim states:

 

1. The defendant owes the claimant £147.48 under a regulated loan agreement with Active Securities T/As 24/7 MoneyBox dated 05/12/2016 which was assigned to the claimant on 31/12/2021 and notice of which was given to the defendent on 31/12/2021 (Debt). 

 

2.Despite formal demand for payment, the defendant has failed to pay and the claimant claims £147.48' etc...

 

Now, I don't have any recollection of this debt and have no knowledge of having been chased to pay it - I did have a number of payday loans so there is a chance that this was one but I genuinely don't have any information on it. 

 

I have filed a request to extend my time limit to 28 days and intend to defend it on the basis that I don't recognise the debt. 

 

Can I ask for proof of the debt owing and how do I go about doing this? 

I have not had to do anything like this before. 

Is not recognising a debt even a defence?

 

I don't know where to start

- any help would be massively appreciated

- if the defence fails, I can pay the debt but I don't want to straight away as I don't know what it relates to.

 

Thanks,

Squirrel

[dx100uk]

please complete this:

 

 

dx

 

[QuickSquirrel]

Which Court have you received the claim from ? Northampton 

 

Name of the Claimant ? Lantern Debt Recovery

 

Date of issue – 17th November 2022

filed acknowledgement of service 01/12/2022

 

Particulars of Claim

 

What is the claim for – the reason they have issued the claim? 

 

1.The defendant owes the claimant £148 under a regulated loan agreement with Active Securities Limited also known as Active Securities Ltd T/As 24/7 Money Box dated 05/12/2016 and which was assigned to the claimant on 31/12/2021 and notice of which was given 31/12/2021 (debt).

 

2.  Despite formal demand for payment of the debt the claimant has failed to pay

 

3.and the claimant claims £148 and further claims interest thereon pursuant to section 69 of the county court act 1984 limited to one year to the date hereof at the rate of 0.00% per annum amounting to £0.

 

 

What is the total value of the claim? £233
 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? I don't think so
 

Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes
 

Did you inform the claimant of your change of address? No, I was not aware of alleged debt

Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? PDL
 

When did you enter into the original agreement before or after April 2007 ? It says 2016 on the form
 

Do you recall how you entered into the agreement...On line /In branch/By post ? No
 

Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? No
 

Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Assigned to Lantern 31/12/21 apparently
 

Were you aware the account had been assigned – did you receive a Notice of Assignment? I don't recall
 

Did you receive a Default Notice from the original creditor? I don't recall having dealings with 24/7
 

Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No
 

Why did you cease payments? I don't recall the debt
 

What was the date of your last payment? I don't recall the debt

Was there a dispute with the original creditor that remains unresolved? No
 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No

[dx100uk]

go get a copy of your credit file please

does this debt show?

 

what date was this agreement taken out on?

 

when did you move around that time?

could this be a a case of ID theft?

[dx100uk]

pop up on the MCOL website detailed on the claimform.
[if mcol is not working return after the w/end or the next day if week time]
.
 register as an individual on the Gov't Gateway Site
Go to HMRC's login page.
Click the GREEN sign in button.
Click “Create sign in details”
Enter your email address where asked.
You will now be emailed a confirmation code. ...
You will now be issued with a User ID for your government gateway account.
 note down your details inc the long gateway number given, you might need it later.
 then log in to the MCOL Website
.
 select respond to a claim and select the start AOS box.
.
 then using the details required from the claimform
.
 defend all
 leave jurisdiction unticked
 you DO NOT file a defence at this time
[BUT you MUST file a defence regardless by day 33 ]
click thru to the end
confirm and exit MCOL.
..
get a CCA Request running to the claimant

.

https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/

..

Leave the £1 PO unsigned and uncrossed

.

get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant]
...
.[use our other CPR letter if the claim is for an OD or Telecom Debt]
.

https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/

.

on BOTH type your name ONLY
Do Not sign anything
.do not ever use or give an email
.
you DO NOT await the return of ANY paperwork 
you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]

..............

dx

[comebackjimmy]

Post 4 asked to go get your credit file.  Suggest you check all three agencies as I have noticed that some accounts appear on one agency files but not the others.

[fkofilee]

Specifically you need to check Equifax as its likely it appears just there. 

Lanern may have decided to show it across the other CRAs as part of their debt purchase. 

 

Let us know what you find. 

[dx100uk]

well doesn't look like the op has even bothered to read our posts..not logged in in 2 days now