Stop Unfair Practices from Lantern Debt Collectors Fast

Editorial Note: These blog posts represent the opinion of DoNotPay’s Writers, but each person’s situation and circumstances vary greatly. As a result, you should make sure to do your own independent research. Because everyone is unique, our self-help tools are never guaranteed to help with any specific situation. DoNotPay is not a law firm and is not licensed to practice law. DoNotPay provides a platform for legal information and self-help.

Easily Deal With Lantern Debt Collectors Using DoNotPay

If are harassing you due to a due debt, there are several things you can do to get them to stop the harassment. Debt collectors don't have as much power as they think, and there are several rules and procedures to protect you no matter how much you owe.

If the collectors are using illegal ways to recover a debt, DoNotPay can help. Using the information you provided, we will determine whether your debt collector is compliant with the relevant guidelines concerning debt collections. Afterwards, we can contact the debt collectors with a demand letter on your behalf if we establish they have breached existing laws.

Who Is Lantern Debt Recovery?

is a debt collection agency that collects debts on behalf of the creditor you originally owe money to. Lantern Debt Recovery can also buy bad debts from other companies.

What Can’t Lantern Debt Recovery Do?

The following are the actions that is forbidden from doing:

Entering your home without permissionRemoving goods
Sending you to prisonCalling you before 8 am and past 9 pm

Is Lantern Debt Recovery a Regulated Agency?

Lantern Debt Recovery is regulated by the Financial Conduct Authority (FCA). They must follow specific rules as set forth by the regulator. If they breach the rules and guidelines, you can report them to FCA or the Financial Ombudsman.

Who Does Lantern Collect For?

Lantern collects for several well-known brands such as Virgin Media, EE, and 02. They also collected debts related to:

  • Payday loans
  • Council tax payments
  • Defaulted court fines
  • Catalogues
  • Parking tickets.

How Do I Deal With Lantern Debt Collectors

The following is the DIY method to deal with :

  1. Find out if you actually owe the debt.
  2. Try to work away to repay the debts in affordable amounts.
  3. If you can't come to an agreement on an appropriate repayment plan, find an insolvency solution such as the individual voluntary arrangement (IVA) or debt management plan (DRO) to stop Lantern from taking you to court.
  4. You can also contact a debt charity for free debt support.

What Should I Do if Lantern Is Contacting Me for a Debt That Isn’t Mine?

If Lantern is chasing you for a debt you don't owe, write a letter to them asking the company to prove it. There are times when a debt collection company makes mistakes, and you don't really owe any debt.

Sending a proof letter is the only way to get the evidence you need to disprove that you owe no debt or remind you that, indeed, you owe the debt.

What Is the Evidence That Shows I Owe a Debt?

According to the FCA, a debt collection agency cannot collect debt until they prove it is truly yours. The proof can be in the form of the following:

  • Original credit application
  • Loan agreement
  • Copy of default notice
  • Copy of chain communication between you and the creditor regarding the debt

What Is Statute-Barred Debt?

A statute barred debt is a debt that is older than six years. This means that although the debt exists, a collector can enforce payment. However, they may still contact you about the debt, but they cannot take you to court.

Is It a Wise Move to Arrange a Debt Settlement With Lantern?

Choosing a debt settlement comes with a lot of drawbacks. Ideally, smaller repayment amounts can go down your credit file as partially satisfied.

This will likely affect your credit score and ability to take out loans in the future. However, if your credit score is already damaged, you can consider a debt settlement solution.

DoNotPay Can Help You Deal With Debt Harassment

Whether you were recently contacted or have been harassed for months, DoNotPay can help you determine whether your debt collector is compliant with debt collection laws. After guiding you through a series of questions, we'll help you decide which course of action you should take and contact the debt collectors with a demand letter on your behalf.

If you choose to report the collection agency to a governing body instead, we'll file the complaint on your behalf. The following are the steps to get you started:

  1. Search "debt collection" on DoNotPay.

  2. Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.

  3. Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to a professional trade association.

And that's it! Once you choose the course of action you want to take, DoNotPay will handle the rest. We'll deliver your request directly to the debt collectors via first-class mail or file your complaint automatically with the relevant trade association or ombudsman.

Easily Deal With Debt Collectors Using DoNotPay

Being chased by debt collectors can be anxiety-inducing. However, you should always keep in mind debt collectors don't have any special legal powers and legal rights as the original creditor. If a debt collector is harassing you, take appropriate action to stop the harassment.

If you are unsure how else to proceed, DoNotPay can back you up in dealing with collection agencies such as:

What Else Can DoNotpay Do?

DoNotPay has designed a platform that aims to solve as many legal concerns as possible without compromising the level of service it provides.

You can use the app to file a case in small claims court, get free trials, increase your credit limit, cancel subscriptions, and even find missing money.

and allow us to make a formidable case to protect your rights and address other nagging problems that you may have.

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