We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Lantern debt showing on credit file
Options
Lharris2908
Posts: 1 Newbie
Hey guys,
Was wondering if anyone could give me a bit of advice.
Basically ive been trying to work on my credit file and noticed 2 debts on there. They are both for a company called Lantern, ones for £70 odd and another £400 odd. So wanting to get these sorted and potentially settled on my credit file I rang them up.
The guy I spoke to said they had 5 agreements which they had consolidated into one. Now 2 of them are from 2010, no payments have been made towards these 2 over the last 7 years. One is from 2012, again no payment has been made toward this for the past 6+ years. The two showing on my credit file are from 2015.
Would I be correct in thinking that the 2 from 2010 and the 1 from 2012 would now be statue barred and not enforceable? The overall total for the 5 agreements was £1500.
The earlier debts ive no idea what they are for, but the 2 taken in 2015 I do know exactly what they are and would be prepared to pay them. The guy on the phone said they are consolidated and I could NOT deal with them separately.
So basically im wondering what my next step is to be honest. Ive told him to send me a breakdown of the debts, ive not admitted liability merely found out a bit of information on the phone.
Do I contact them and say the 3 earlier debts are statue barred, or do I send the CCA forms of for all 5 agreements they have enclosing 5 £1 postal orders?
Many thanks in advance for your time
Was wondering if anyone could give me a bit of advice.
Basically ive been trying to work on my credit file and noticed 2 debts on there. They are both for a company called Lantern, ones for £70 odd and another £400 odd. So wanting to get these sorted and potentially settled on my credit file I rang them up.
The guy I spoke to said they had 5 agreements which they had consolidated into one. Now 2 of them are from 2010, no payments have been made towards these 2 over the last 7 years. One is from 2012, again no payment has been made toward this for the past 6+ years. The two showing on my credit file are from 2015.
Would I be correct in thinking that the 2 from 2010 and the 1 from 2012 would now be statue barred and not enforceable? The overall total for the 5 agreements was £1500.
The earlier debts ive no idea what they are for, but the 2 taken in 2015 I do know exactly what they are and would be prepared to pay them. The guy on the phone said they are consolidated and I could NOT deal with them separately.
So basically im wondering what my next step is to be honest. Ive told him to send me a breakdown of the debts, ive not admitted liability merely found out a bit of information on the phone.
Do I contact them and say the 3 earlier debts are statue barred, or do I send the CCA forms of for all 5 agreements they have enclosing 5 £1 postal orders?
Many thanks in advance for your time
0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.2K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.2K Work, Benefits & Business
- 599.2K Mortgages, Homes & Bills
- 177K Life & Family
- 257.6K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards