Amigo didn’t put guarantors name on contract

autisicneedshelp

Hi, 
I’m getting a lot of hassle from Lantern UK…

I’m autistic and don’t have any external support. so I was told to apply for the scheme where people were miss-sold loans about two years ago I think? My ex partner and I took out a loan to be able to move home, as it was urgent. 

This was in 2018. I was told that the guarantor couldn’t be someone I live with, but the man on the phone said it didn’t matter. 

Anyway, fast forward to today, and I am getting endless calls and texts from lantern uk. They said I have to pay it because the loan is in my name alone. I said it’s impossible because I could never qualify without a guarantor. So I looked at my emails and I can see that amigo didn’t put my ex’s name on the guarantor section. Even though they sent the additional email to forward it to her to sign. They then paid into my partners account and not mine. And they wrote that in the following email. 

However, I know my ex is doing well and is well off. However I wasn’t so fortunate. I gave them the address that I found for my ex, as they up and disappeared one day without a trace, and left me with all their debt. It’s been seven years and I’m still suffering with the repercussions of her actions. 

I don’t know what to do, my mental health is in decline, and I can’t cope with all the calls and texts. They said they don’t care and can only go off what amigo provided. So amigo screwed me over by taking the guarantor but not applying her to the contract. But got them to sign the confirmation before accepting us for the loan. 

Do I still need to pay this as they aren’t even running anymore?
please can someone help me?

thank you 

 

Nasqueron

Firstly, have a read of this, it covers advice based on how much you have paid

https://debtcamel.co.uk/stop-paying-amigo-pros-and-cons/

Secondly, when was the last time you paid towards or acknowledged the debt in other ways?

Thirdly, are you saying you want to avoid paying just to make your ex pay the debt, thereby screwing over the ex?

Amigo normally paid the guarantor for the debt to ensure they weren't being scammed e.g. with a fake signature for a debt they didn't know about

The amigo repayment scheme should do the payments this month, did you properly register?

https://debtcamel.co.uk/amigo-scheme-claims/

autisicneedshelp

Hi, 

no I don’t want to screw them over at all. But it’s about time they paid their debts as I’ve been lumped with their debts for seven years. My life has been hell, barely able to keep my head above water. I was lucky the day they left as it was an abusive relationship - however there was no forwarding address and I ended up having to pay debts that weren’t mine, or paying her half to things that she said she had paid- but hadn’t. So I’ve been bullied, scared to leave my home, and no help externally. I only got diagnosed with autism two years ago.
I applied two years ago for the scheme claim thing, and they put what was won claim wise, towards the debt, and then told I have to pay the rest. I had no contact with amigo before hand for over five years. 

I paid off the majority of what was owed back and then when she upped and left me, I was left with everything. Finding hidden debt letters everywhere, she had saved up the money I had been sending her for my half of  bills and then disappeared basically. 

I found her address and they won’t acknowledge it because amigo didn’t put her name on the contract where it says guarantor. So I can’t even send proof that there was a guarantor. I can imagine, that was probably because they said she wasn’t meant to be a guarantor but put her on anyway. 

I can’t keep living like this. My physical and mental health has declined rapidly these last seven years whilst the abusive ex gets to live their luxury… doesn’t seem fair? I feel robbed and taken advantage of, even seven years later. I can’t move for debt companies creeping up here and there. 

autisicneedshelp

Also I’ve looked through my emails, and I had an email from intrum about them using what was won on paying the remainder of the debt. 

There was £172.72 left to pay, however I was homeless at the time and nothing to my name. They said they would put it on hold and then lantern started contacting me saying I owe them £2197.34 
so if I won a case and the majority was paid off- why is it now a full amount again?

Brie

OK - so back to basics.

When did you last pay towards this debt?

When did you last write to them and say you owed it?

If both were more than 6 years back the loan should be statute barred = which means they can't make you pay it back.  

Look at point 3 on this post about statute barred letters.  Come back and ask questions if you need to.

Debt-Free Wannabe Sticky - Provit & Statute Barred Letters, Defaults, Help and Guidance, All Here... — MoneySavingExpert Forum

ManyWays

 I had an email from intrum about them using what was won on paying the remainder of the debt. 
That sounds as though you had your claim to the Amigo Scheme upheld. At that point the guarantor would have been released if there had been one at the start.
If there was no guarantor at the start, then Amigo must have messed up but I think you would still owe the loan.

There was £172.72 left to pay, however I was homeless at the time and nothing to my name. They said they would put it on hold and then lantern started contacting me saying I owe them £2197.34 
So you have an email from Intrum saying you owed them only £172? How did Lantern end up with the debt and how did it increase? You could ask Lantern for a statement of account for the debt, this may help to show what has happened.

I dont think the debt can be statute barred as you would have made a claim to the scheme before it became statute barred and the claim would have acknowledged the debt.