Hi all,
Thanks for all your help to others! I need a bit of help with a situation that I've found myself in. I've worked very hard to get myself out of debt the last few years, I'm now just working through one final DMP at the moment!
Now I'm just faced with an email from QDR Solicitors, who have been handed a debt from 2017 by Lantern (previously Lending Stream) who are dealing with the debt on their behalf. When it was with Lantern I questioned it as Statute barred. I asked for a CCA (which they provided, but it was with Lending Stream, not with them) and proof of payments , and received one. My last apparent payment before default was in 2017. However, there appears to be a mystery payment a year later which I have no record of with my bank, and it's not on any of my credit reports - Lantern or this debt doesn't appear on my credit report which is why I understand it to be statute barred.
28/01/2018 Default Fee £274.92
16/02/2018 Termination Fee £274.92
22/01/2019 Payment -£29.34 £245.58
Now they've handed it over to QDR who have given me 30 days to pay, and I asked it to be handed back to Lantern as although I did not acknowledge the debt I said I wanted to deal with them. They've refused and have given me this time to pay. What can I do?
Thanks for all your help to others! I need a bit of help with a situation that I've found myself in. I've worked very hard to get myself out of debt the last few years, I'm now just working through one final DMP at the moment!
Now I'm just faced with an email from QDR Solicitors, who have been handed a debt from 2017 by Lantern (previously Lending Stream) who are dealing with the debt on their behalf. When it was with Lantern I questioned it as Statute barred. I asked for a CCA (which they provided, but it was with Lending Stream, not with them) and proof of payments , and received one. My last apparent payment before default was in 2017. However, there appears to be a mystery payment a year later which I have no record of with my bank, and it's not on any of my credit reports - Lantern or this debt doesn't appear on my credit report which is why I understand it to be statute barred.
28/01/2018 Default Fee £274.92
16/02/2018 Termination Fee £274.92
22/01/2019 Payment -£29.34 £245.58
Now they've handed it over to QDR who have given me 30 days to pay, and I asked it to be handed back to Lantern as although I did not acknowledge the debt I said I wanted to deal with them. They've refused and have given me this time to pay. What can I do?
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