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Hello,
I've had some issue with Lantern chasing some Lending Stream defaults from 2 years ago. I sent an irresponsible lending complaint to LS who cancelled two but kept the rest, and as I wasn't sure what to do and didn't appeal I believe I can't fight these anymore.
The initial letters came a few months ago for one account - Lantern told me they had purchased the account - I sent a CCA request and received a letter back within 2 days stating they had sent the paperwork and expect payment. They sent an agreement that the only applicable details were payment calculators for the loan - no details from myself, no account number, no address, no name no personal details. I am within my rights to write back stating this isn't an enforceable CCA for the debt and I won't be paying correct?
Since then 2 days later they sent me a letter stating they had multiple accounts for me and had put them into one reference number, this is for 4 other LS defaults - i've received no letters stating beforehand they are taking these accounts or had been given/purchased these accounts. It's most odd. Do I subsequently CCA these as well? Do I note they've not informed me of anything? I'm quite worried.
I've had some issue with Lantern chasing some Lending Stream defaults from 2 years ago. I sent an irresponsible lending complaint to LS who cancelled two but kept the rest, and as I wasn't sure what to do and didn't appeal I believe I can't fight these anymore.
The initial letters came a few months ago for one account - Lantern told me they had purchased the account - I sent a CCA request and received a letter back within 2 days stating they had sent the paperwork and expect payment. They sent an agreement that the only applicable details were payment calculators for the loan - no details from myself, no account number, no address, no name no personal details. I am within my rights to write back stating this isn't an enforceable CCA for the debt and I won't be paying correct?
Since then 2 days later they sent me a letter stating they had multiple accounts for me and had put them into one reference number, this is for 4 other LS defaults - i've received no letters stating beforehand they are taking these accounts or had been given/purchased these accounts. It's most odd. Do I subsequently CCA these as well? Do I note they've not informed me of anything? I'm quite worried.
