Lantern & QDR Solictors - Quick Quid / Safetynet

[IceGem]

Good evening, and please accept my apologies if I have posted in the wrong area - my friend says this place is brilliant and well, it looks very informative.

 

I've a slight (maybe large) issue and suspect it cannot be rectified as I don't  quite know the ins and outs of what can or cannot be done, but if anyone fancies a challenge and can help please read on - sorry it is so long.

 

Few years ago, I was asked by Lantern to pay amounts for Quick Quid and SafetyNet ( I assume you will know these to be payday loans)  these must go back to around 2013 - 2015 is what I guessed.

 

I now have some documents back that I requested today attached.

 

The main reason for asking on here  is that only last week I found out Quick Quid have gone bust and 2 days ago so have Safetynet. I moved house in 2021 and suddenly got a letter from Lantern saying I needed to pay - I ignored the letters for a few months hopefully thinking they will go away. They didn't.

 

I then  got a letter from QDR solictors in June 2021.

I panicked and made arrangements to pay £25 month which would be split across the 2 accounts to reduce the balance. (the combined balance was at the start roughly about £1600 and is now £1200)

 

I guess, really is that surely if a business has gone bust, why should or a DCA chase for money other than I guess answering my own question  is because they bough the debt. No one at Quick Quid or the liquidation team had been in touch around any redress I could have done to offset an outstanding balance.

 

The same with safetynet. However, I have complained today to Safetynet and they are going to do the usual investigation and allow 8 weeks for them to make a decision so we shall see. 

 

Neither of these accounts show on my credit file. QDR today have said that they are acting on behalf of Lantern, Lantern are saying I need to liase with QDR. I've attached what I have obtained today.

 

As stated I assume little can be done now? I just find it a bitter hard pill to swallow that a solicitors would chase this for a company that no longer exists??? 

 

 

 

 

DOCS1.pdf

[fkofilee]

Arh PDLs... My specialist subject... 

You can refuse and raise a complaint to have the account returned back to Lantern. They own the balance. 

Ive done it to many Debt Chasing Solicitors and they actually send it back. You are not obliged to deal with them... They arent an authority figure...

 

Quickquid... Cant do much... They dont exist anymore

Indigo Michael / SNC... That will be complicated as they have only just gone into Administration. It means that any IRL Claims will go onto the waiting list as the company administration is pushed through. 

As the balance has been sold off already, its likely that any redress will be payable to you and it wont be allocated to your "Debt" with Lantern... 

 

[fkofilee]

 

 

[IceGem]

Thank you.

 

So, i just write to QDR and refuse the fact i don't want to deal with them and that i will only deal with lantern direct?

 

I assume quickquid i will still have to pay that off then which is what i thought would be likely outcome

[dx100uk]

before they scammed you into paying, when was the last payment made directly to the old original creditors? poss +6yrs gap.

 

thread moved to the lantern forum.

they are absolute scammers and dont trust anything they say do or produce.

 

dx

[IceGem]

@dx100uk

 

 I have just checked my online bank which only lets me go to 6 years ago.

 

Nothing is showing between 2017 and to now, so I would guess that my last payment to the original creditor would have been late 2015 - 2016

[dx100uk]

send lantern a statute barred letter separately for each one

 

you'll find it in the debt collection section of our library.

i

[IceGem]

Hello,

 

I today have had an email from Lantern.

 

Very short and not what I expected - would you mind kindly suggesting what my next step should be please?

 

Thank you for your time

 

cag.pdf

[dx100uk]

You ignore block, bounce,  report texts as spam to 7726, any texts, or emails  

 

And get reading like threads not vanish without helping yourself 

 

 

 

 

[IceGem]

ok thank you very much