can someone please give advice on who I send the 3 letter process to.

[nutmeg2022]

I would really appreciate the advice.

I want to start the 3 letter process but I'm stuck because of this..

lantern bought the debt, bpo collections are collecting for lantern.

the original creditor is quick quid, lantern bought the debt from quick quid and is still with quick quid but they are using bpo collections to collect it.

I feel that they are doing this to put people in a trap somehow because I don't know who to send the 3 letter process to.

Are there any repercussions I could face by sending it to lantern as it was bpo contacting me visa versa.

do I send it to lantern and bpo, do I send it to quick quid(original creditor).

Im Really stuck, please help.

thank you. Ryan

[nutmeg2022]

Also ide like to mention. I think it might be a trap just in case I send a proof of debt letter to bpo, then lantern can quickly apply for a ccj. I'm not sure about how accurate I am on this.

[MIKE770]

3 letter process does not work judge's frown on people who use it sent collector know you are misinformed and easy target. Forget it. Now settle down and give us an idea problem

[nutmeg2022]

Should I send 1 letter? I've heard that 1 letter will not work. I was miss sold payday loan and wasn't enlightened at the time of claiming and now claiming date has closed.

bpo collections sent a letter saying my lantern account was overdue. And that I need to pay them on behalf of lantern.

[nutmeg2022]

It's also not statute barred, it will be SB in July 2022

[MIKE770]

if you have responded to the then statute barred will not happen, it means statute barred if no admittance within 5/6 years to the alledged debt; the time clock starts again after any admittance or indication.

have you corresponded with either within this period??? OR they know it is statute barred soon and having a last go at you in the hope you are unwise of the system???

the 3 letter system cost me a fortune in court years ago so never try to be clever.

[nutmeg2022]

I have not responded to either lantern or bpo. I've not responded to anyone, not paid anything ever on the loan. So yes, it's near the 6 years point, 5 years and 7 months old.

ok, I'll take your advice about the 3 letter system.

is it possible for lantern not to have the deed of assignment?

[MIKE770]

who knows??? just watch the postman and any begging letters, no contact unless you receive something and then come on here to inform us? SB july? allow 1 extra month just in case!

[nutmeg2022]

Yes SB July. But if they put in a claim, doesn't that mean it's too late to ask for relevant documents that would defend me? And if I ignore it will the court not see that as negligence on my behalf?

what I mean is if I respond now and early asking for proof, will that not go in my favour. I'm willing to pay if I am legally obliged to but if I'm not legally obliged I want to defend against it.

[nutmeg2022]

I have heard of lantern taking people to court alot of times so I am certain they will try it with me

[MIKE770]

they would need at the last minute get all their ducks in a row! by the way lantern ex motormile Finance ! now try the debt collection business.

[nutmeg2022]

Another thing is this. I have only just moved address, how did they find that out? Is it not illegal to go asking people for my address?

[nutmeg2022]

now try the debt collection business? What do you mean?

[MIKE770]

they originally were motormile finance - but problems then changed to debt collection, they have a track record of payday loans companies debt collection activity many big names their clients.

to issue a claim they would need a letter before action (5/6 pages) that stop a clock but after which a N1 court form then we start asking for certain info legally, up to that point (If ever it arrives) then silence.

CRAs will or should have updated address updated by a bank or company you deal with.

[MIKE770]

no responding but up to you respond and SB out of the window, their move next if ever?