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Moriarty Law/Lantern 30 day notice
songbird888
Posts: 8 Forumite
Hi
I have been waiting for my debts to default so that I can look at putting a self managed DMP together. One of my debts, which was 118Money was sold to Lantern, who have now instructed Moriarty Law to start proceedings.
I have been waiting for my debts to default so that I can look at putting a self managed DMP together. One of my debts, which was 118Money was sold to Lantern, who have now instructed Moriarty Law to start proceedings.
I have received what looks to be a letter before claim with a reply form I have to return in 30 days. The email also has a link to set up a payment plan, if I do a payment plan do I still have to respond to the reply form?
Thanks
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Comments
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Is it a letter received by snail mail or just an E Mail?If you go down to the woods today you better not go alone.0
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Both, but I binned the snail mail thinking I could do everything online.0
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No you have to respond to a snail mail letter before action or you will end up with a CCJ as you have not responded.songbird888 said:Both, but I binned the snail mail thinking I could do everything online.If you go down to the woods today you better not go alone.0 -
Respond to the letter, you need to find that form or else they may obtain a judgement against you.
Setting up a payment plan may stop this going any further.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter1 -
Thanks Sourcrates. Well the letter does say the following -
“Please respond to this letter within the next 30 days by either visiting our website to arrange payment,calling 0203 126 4544, filling out and sending the enclosed forms to the address or e-mail above or arranging payment using one of the methods detailed overleaf.”
I am reading this as a list of options - one of which is visiting their website to arrange payment. Or maybe this is just if I pay in full. Not sure!0 -
Sorry to ask a question on someone else’s thread, but I thought they cannot start legal action unless an account has defaulted? Can you receive a CCJ whilst waiting for defaults?0
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Hi, it has defaulted already in my case.Lettingissues77 said:Sorry to ask a question on someone else’s thread, but I thought they cannot start legal action unless an account has defaulted? Can you receive a CCJ whilst waiting for defaults?0 -
Aahh. Thanks, sorry I misunderstood the first post.0
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You can print off a new Reply Form from gov.uk here https://www.justice.gov.uk/documents/debt-pap.pdf
Also think about making an affordability complaint to 118, not to Lantern/Moriarty Law0
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