Lantern chasing historical debt

dave1968

Hi I am working to clear up my credit file, and dont want any further CCJS. Lantern UK are chasing 5 debts. 3 of which are from 2011, 2012, payday loans of which is wonga. They have sent me an email stating :



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Unfortunately, despite our efforts to contact you, we have been unable to do so. Please find a list of the accounts we hold for you below:


It is still our intention to set an affordable and sustainable plan, which will enable you to clear this amount based on your circumstances. Please be aware, if we do not hear from you, we will continue with recovery action which will result in one of the following:

• Legal assessment via our solicitors.
• Assignment to an external debt recovery partner.

Preferably, we would rather not have to consider one of the above actions. We are more than happy to come to an arrangement with you to pay off the outstanding balance, and offer you the correct assistance in finding the right solution.

What Next

• Visit our self-service portal www.lanternuk.com/account to make a payment, set your plan or message us.
• Visit our website www.lanternuk.com and chat with one of our agents.
• Email [EMAIL="customerservice@lanternuk.com"]customerservice@lanternuk.com[/EMAIL] with the details of your proposed plan, your instalment amount, first payment date, preferred payment method and the date of your first payment.

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My question is can they go for a CCJ on the 3 debts from 2011/ 2012 and chase me for that money ?

2 of the debts are from last year which I do want to do a deal with to clear but the other 3 are from years ago one of which I am sure was written off (wonga)

Any advise would be appreciated many thanks )

sourcrates

Hi,

The loans from 2011/12 we’re not written off, they were sold to lantern, however, they will now be statute barred, so you should write and tell them so, the others however won’t be, so a payment plan will be needed, yes.

dave1968

Hi so I could write them a letter in email format telling them the first 3 debts are startue barred so I dont need to honor them ? Is there a letter template anywhere for a statue barred response ?


many thanks for your reply )

sourcrates

dave1968 wrote: »

Hi so I could write them a letter in email format telling them the first 3 debts are startue barred so I dont need to honor them ? Is there a letter template anywhere for a statue barred response ?
many thanks for your reply )

Forget email, a legal letter must be delivered in a certain fashion to be valid, use snail mail, spend 60p on a stamp, and do the job correctly.


Template letter can be found here :


https://www.nationaldebtline.org/EW/sampleletters/Pages/Time-has-run-out-to-recover-the-debt-%28sole-name%29.aspx

dave1968

Many thanks for that and yes will send it through snail mail registered post.

Willing2Learn

No need to spend money on registered post. Just get a 'proof of posting' receipt from Post Office counter as it is free...