scottygees UE diary

[Night Monkey]

Both posts above have 'here' as an active link to the Lantern portal, should a mod change that?

[The Tech Clerk]

Click xxxx to download your goodbye letter from Payday Express,


well this is not right as a lot of people do not have facilities to print/compute should be letters to customer, they are trying to save postage and printing?

[scottygees]

In which case does the emailed NOA "Hello" letter from Lantern mention the date of the assignment?

Di

no date of assignment mentioned. The email is as follows:


Welcome to Lantern Debt Recovery Services Ltd (Lantern).



We are writing to let you know that your Payday Express account (xxxxxxxx) has been sold to Lantern Debt Recovery Services Ltd (Lantern). The effect of this assignment is that Lantern now own the debt and will perform all the obligations stated in your agreement, which includes the collection of the outstanding balance.



Click xxxx to download your goodbye letter from Payday Express, please note you will need to enter your date of birth.



We know circumstances change and it can be uncomfortable talking about finances however, we are specialists in helping our customers find the right solution for them and we are here to help you.



We have allocated you a new reference number (shown above) which replaces any previous reference numbers you have had. Please use this in all future contact with us to help us identify it’s you and any payment made is allocated to your account easily. A statement of account will follow shortly, but if you believe any of the information we hold is incorrect, please let us know immediately.

[Joanna Connolly Solicitors]

thanks Di I have to log in to the payday express account to view the “goodbye” letter from them which I am loathed to do just in case it verifies me to all parties. I am pretty sure this has just been assigned.

In which case does the emailed NOA "Hello" letter from Lantern mention the date of the assignment?

Di

[scottygees]

You can never assume anything in law, but since you've sent a s77-79 CCA Request which has not been complied with this debt is currently unenforceable no matter who owns it subsequently.

Check the date of the assignment in case that NOA is referring to an historical assignment i.e. before you sent your CCA Request.

Di

thanks Di I have to log in to the payday express account to view the “goodbye” letter from them which I am loathed to do just in case it verifies me to all parties. I am pretty sure this has just been assigned.

[Joanna Connolly Solicitors]

received an email today from a company called Lantern stating Payday express have now sold them this debt. Can I make the assumption that AJJB will have now washed their hands of this after I requested the CCA

You can never assume anything in law, but since you've sent a s77-79 CCA Request which has not been complied with this debt is currently unenforceable no matter who owns it subsequently.

Check the date of the assignment in case that NOA is referring to an historical assignment i.e. before you sent your CCA Request.

Di

[scottygees]

Thanks for the quick replies. I will sit tight and see how things develop. Lantern will get no change from me

[Roger]

Here is the FCA here is the link!
Lantern Debt Recovery Services Ltd (fca.org.uk)

I suggest you wait until you are contacted (by letter) and my suggestion is to send the AAD Sold Whilst In Dispute letter.

[The Tech Clerk]

basically - yes

[ca71]

So have now received an email today from a company called Lantern stating Payday express have now sold them this debt. Can I make the assumption that AJJB will have now washed their hands of this after I requested the CCA and won’t be making a claim as they are not acting for the new owner?

When a debt becomes 'questionable' (because of a lack of a CCA) are they allowed to just sell it on? And if so, doesn't the CCA pantomime just start again with the buyer?

[Grassy_K]

So have now received an email today from a company called Lantern stating Payday express have now sold them this debt. Can I make the assumption that AJJB will have now washed their hands of this after I requested the CCA and won’t be making a claim as they are not acting for the new owner?

Lantern are a pain, they bought an old Quickquid debt of mine, and are very persistent. Still, for the amount of money involved I imagine you're not sweating too much about it...

[scottygees]

Just be careful not to miss the deadline for your reply to the Letter of Claim or they will issue proceedings.

Di

So have now received an email today from a company called Lantern stating Payday express have now sold them this debt. Can I make the assumption that AJJB will have now washed their hands of this after I requested the CCA and won’t be making a claim as they are not acting for the new owner?

[scottygees]

Just out of curiosity is there anyway I can move replies from one page of this thread to another. Basically I didn’t include all debts on my first page so have updated my diary with other debts as I have gone along and would like to put them all together.
Thanks in advance

[scottygees]

Just be careful not to miss the deadline for your reply to the Letter of Claim or they will issue proceedings.

Di

so LBC sent back on Monday and signed for at their end this morning at 9.33am

[Joanna Connolly Solicitors]

Thanks Di, from previous knowledge this was going to be my default approach but thought I better check this out first

Just be careful not to miss the deadline for your reply to the Letter of Claim or they will issue proceedings.

Di