QDR Solicitors and Lantern - Payment after 'Termination Fee' used to block Statute Barred

calatheanetwork

Hi there

I’ve received a letter from QDR Solicitors on behalf of Lantern (Originally Lending Stream) who say I have a debt with from 2017 – I wrote to lantern first tosay the account was statute barred and asked for them to prove it and they sent a payment schedule with a random payment from 2019 after the 'Default fee and Termination Fee' which does not line up with my own records (as the debt doesn’t appear anywhere on any of my credit reports or bank accounts). I wrote to them to refuse to deal with QDR as the debt is not with them and asked for the account to be sent back to Lantern, which they refused. I’ve now been given a 30 day warning by QDR who say I have to deal with them and I don't know what to do. 

Anyone have any experience with this? 

sourcrates

Its not uncommon for such companies to "invent" small random payments that make it look as though a statute barred debt, isn`t statute barred, its one thing supplying such figures to you, but another thing entirely using them as a basis for a court claim.

If you are unaware of such a payment, then its most likely an internal transfer they have recorded, and are trying to introduce the element of doubt that makes you question the debts actual status.

Best advice is don`t do anything, there made up "30 day to deal warning" is another attempt to force your hand, if they are so confident of their position, let them start a court claim, and you can then defend it on the basis the debt is statute barred, and see what evidence they then put before the court.

If, as suspected, its all hot air, they will fold at the first opportunity, if it is genuine evidence, you repay the debt at an affordable rate, I`d call their bluff.