Lantern email request. Original creditor Payday Express.

[Redland]

Hello,

 

I am new to the forum and was looking for some advice regarding an email I have recently received from lanter debt collection services below.

 

This is regarding a pdl I received on October 2016. From a company called Payday Express.

 

Being straight to the point I had completely forgotten about this is until the email I received from the as above company.

 

This is the first correspondence I have had from them(Lantern) about this. 

 

No letters of default from the original creditor I can find, and no digital paper trail.

 

Could someone please advise on the best way to respond.

I apologise in advance if this has already been answered in previous posts.

 

Thank you.

Your statement is here

 

CUSTOMER REFERENCE: 
CURRENT OUTSTANDING BALANCE: £735.99

Dear 

 

Click here to download your annual statement of account. Please note; you will need to enter your date of birth to access the document.

 

If you are already paying us for this account, you don't need to do anything.

 

If you haven’t already set up a plan you can visit our secure, self-service portal at www.lanternuk.com/account where you can manage your account(s), use our budget planner, set up a payment plan or get in touch with us.

 

If you’d prefer to speak to our award-winning team, then please call us on 0113 887 6876.

 

If you don’t have a solution in place with us, we will continue to try and contact you.

 

Yours sincerely

Lantern

Please note: If you choose to communicate with Lantern by email, unless otherwise advised by you, we will accept this as your permission for us to contact you through the same channel. Such communications may include collections activity and negotiations.

Lantern is authorised and regulated by the Financial Conduct Authority for consumer credit regulated accounts under firm reference number 718024
Lantern is the trading name of Lantern Debt Recovery Services Limited. Registered in England and Wales No. 06637307
Registered office: Protection House, 83 Bradford Road, Leeds LS28 6AT

 

 

[dx100uk]

why are they using email?

have you moved since taking this (or an other non repaid) debt out?

if so you risk backdoor CCJ's.

 

when was your last payment on this?

 

dx

 

[Redland]

 

No idea why they're only in using emails. I have no record of them try to call me on my phone.

 

They have sent me a couple of documents but unsure how to deal with them. 

 

Hopefully the said emails are attached to this reply.

 

 

 

 

[dx100uk]

had to remove your uploads as they are totally unredacted!!

please redo them following our upload guide.

 

now i can see from their statement you paid nowt and the loan was taken out more than 6 yrs ago.

 

royal mail WRITE to them, sending them our statute barred letter from the debt collection section of our library

 

dx

 

[Redland]

Sorry about that,

 

I'm not great with technology, so thank you for helping me out.

 

I really appreciate your help with this.

 

Kind regards 

[dx100uk]

have you any other debts you just ran away from if you've moved since taking them out say in the last 7yrs?

 

 

 

 

[Redland]

I had other debts, but all show as settled on my credit reports with, equifax, experian and clearscore.

 

It was just that email from lantern that confused me as it wasn't showing on my credit report and had no correspondence up until a few days ago.

[dx100uk]

if those entries are from the original creditors then they will show settled as the debt is zero'd on their books when they sell it on to debt buyers like lantern.

 

was there actually an outstanding amounts i'e a debt?

 

 

[Redland]

There is no trace in any of my reports showing from the original creditor.

[dx100uk]

ok so how are you stating these debts are settled?

1 hour ago, Redland said:

but all show as settled on my credit reports with, equifax, experian and clearscore.

who is stated as the owner of the settled debt reports you mention above?

did you latterly settle them to various DCA's?

 

thats the only 2 ways a debt can show as settled.

[Redland]

I am shown as the owner of settled debts in relation to this other past debts. 

But the debt in question shows no trace on any of my reports with said cra. 

[dx100uk]

you said you had other debts but they showed as settled.

the OWNER is not you..

it will be the original creditor listed or a debt buyer.

 

the debt you came here about is done and sorted.

i'm worried you do not understand this settle £0 result on other debts

and if you have moved too please since taking them. out.