Lantern Debt Recovery - We Can Help
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Write off 75%* of unaffordable debt
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Who is Lantern Debt Recovery?
Lantern Debt Recovery is a debt collection company based in Leeds, England.
They specialise in recovering unpaid consumer debts across credit cards, loans, retail finance, and short-term lending. Lantern are known for purchasing debts from lenders and then collecting the outstanding balances directly from customers.
Their full company name is Lantern Debt Recovery Services Ltd (Company number 06637307) and they are registered in England and Wales.
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What Happens If You Miss Lantern Payments?
If you miss one or two payments, Lantern will usually add a late fee and may report it to credit reference agencies, which can impact your credit score. Ongoing missed payments will incur more interest and charges, and your account may going into default. If your account is defaulted, it may be transferred or sold to a debt collection agency. You would then deal with the new company, but the debt terms and balance may still apply, depending on the agreement. PennyPlan can help you understand your position and what you can do to reduce escalation.
We Help With Most Debts - Not Just Lantern!
* Mortgage debt can be included if you no longer own the property in question.
Prefer to talk? Call 0161 808 8811
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How to contact Lantern Debt Recovery
Lantern Debt Recovery telephone number:
0113 887 6876
Website:
www.lanternuk.com/
Postal address:
Protection House, 83 Bradford Road, Leeds, LS28 6AT
Stop all interest & charges
Write off debt
Access well-being services
Reduce monthly payments
How Could A Lantern Debt Repayment Plan Work
An IVA consolidates your debts into one affordable payment plan, with some Lantern debt potentially written off. A DMP combines debts into one monthly payment, with interest reduced or frozen to help ease financial pressure. A DRO is a debt reduction programme for those on low income, where certain debts can be cleared with no ongoing payments required during the DRO.
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Can you help me deal with Lantern Debt Recovery?
Yes. At PennyPlan, we help people who are struggling to deal with debt collection agencies like Lantern.
We understand that being contacted about unpaid debts can be stressful, especially when you’re unsure what to do next. Our team offers free, confidential support to help you understand your options. This includes formal and informal debt solutions that may reduce or even write off a portion of what you owe, depending on your circumstances.
Who do Lantern Debt Recovery collect debts for?
Lantern Debt Recovery buy and manage debts from a range of lenders across the UK, including:
- Personal loans
- Credit cards
- Catalogue accounts
- Payday loans
- Overdrafts and other credit agreements
You might not recognise their name because the debt was originally owed to another company, and Lantern have since purchased it. This is common practice and usually happens once an account has defaulted.
Get Help With Lantern Debt Today
Trying to manage your Lantern credit card debt alone can be a massive burden that controls your life. But it doesn’t have to. Our advisers are here with you every step of the way, providing tailored advice and debt solutions to start taking the weight off your shoulders. To take the first step – speak to a member of our team today.
Apply for our eligibility check
Speak to our debt specialists
Choose your debt solution
We’ll handle the rest
Lantern FAQ's
How will Lantern Debt Recovery contact me?
Lantern typically get in touch by:
- Letter — asking you to contact them about an outstanding balanc
- Phone — using various contact numbers to discuss repayment options
- Email or SMS — to prompt you to log in to your Lantern online account
They may also send repeated reminders if you don’t respond. While this can be unsettling, there are rules on how and when they can contact you. If you feel they’re being persistent or unfair, we can help you raise a complaint and manage communications on your behalf.
Why are Lantern Debt Recovery contacting me?
If you’ve heard from Lantern, it means they believe you owe money on a credit agreement that has either been passed or sold to them.
Many people are caught off guard when contacted by Lantern because they’ve never dealt with the company directly before. The debt could relate to an old loan, credit card, or store account that fell behind on payments.
If you’re unsure why Lantern are contacting you, don’t ignore their letters, but don’t agree to pay anything until you’ve spoken to a debt specialist. PennyPlan can help you confirm whether the debt is valid and what your rights are.
What should I do if Lantern Debt Recovery are contacting me?
If Lantern have reached out to you, don’t panic and don’t rush to make a payment until you’ve confirmed the details of the debt.
We recommend:
- Getting independent advice from a regulated debt advisor like PennyPlan.
- Asking Lantern for proof of the original debt agreement and balance.
- Reviewing your finances with one of our advisors to see what repayment options are realistic for you.
Our goal is to make sure you only pay what you legally owe and to find a manageable way forward.
How to deal with Lantern Debt Recovery
If you’ve received letters, calls, or emails from Lantern, it’s important to take action, but calmly and confidently.
You can ask Lantern to send you a copy of the original credit agreement as evidence that the debt belongs to you. If they can’t provide this, they cannot legally enforce the debt.
If you do owe the money, we can explore your options, which might include applying for a debt solution such as a DMP, IVA, or DRO (if eligible).
We’ll explain everything clearly and help you choose the best route based on your income, living costs, and financial goals.
Can Lantern Debt Recovery take me to court?
Lantern have the legal right to pursue unpaid debts through the County Court if all other recovery attempts fail.
Before doing so, they must send a Letter of Claim or Default Notice, giving you time to respond. If ignored, they could apply for a County Court Judgment (CCJ), which will appear on your credit file for six years.
You can often prevent this by getting help early. PennyPlan can work with you to respond to their letters, negotiate on your behalf, and help you find a formal solution that protects you from further action.
Does Lantern Debt Recovery affect your credit score?
If your account has been passed to Lantern, it’s likely that the original lender has already recorded a default on your credit file. This can impact your score and make it harder to get credit in the future.
Paying off or resolving the debt can help you begin rebuilding your credit over time. We can talk you through your options, including solutions that stop collection activity and give you space to recover financially.