Got any questions?

No, our policy is to never add any interest, fees or charges to an account that we purchase from a lender.

You should always pay priority bills first. Priority bills include mortgage, rent, utility bills etc. We’ll offer you as much support as possible with your Lantern account and our team are happy to answer any questions you have. If you would like to speak to one of our dedicated customer care team, please contact us on 0113 887 8587. Alternatively you can seek free, confidential and impartial advice from a number of independent organisations listed here.

The same goes for many of our customers. We simply ask you pay what you can reasonably afford. To set up a repayment plan register an account or call us on 0113 887 8587.

If you’d like to settle your debt, make us an offer. We’ll consider any reasonable amount.

You can make a one-off repayment or set a repayment plan by registering for an online account and going to either the ‘Make a repayment’ or ‘Setup a repayment plan’ area. Visit the ‘How to repay’ page for details on other ways you can make a repayment.

Nothing in life is fixed. That should go for repayments too. If things change, contact us with the details – either by emailing us at [email protected], requesting a call back via your online account or by calling our customer care team on 0113 887 8587.

Please login and use the contact form in the ‘Contact Us’ area of your online account, providing details of your circumstances so that our team can investigate and come back to you. Alternatively, you can call our customer care team to discuss this on 0113 887 8587.

If we’ve fallen short in anyway, we’ll move quickly to put things right.  Simply e-mail us at [email protected] or call us on 0113 887 6876 with the details of your complaint. Please include your Lantern customer reference number and any other relevant information. You can see details of our complaints procedure here.

Unfortunately your debt with Lantern will not simply go away. If we are unable to contact you and agree an affordable repayment plan, we will have to evaluate the next course of action for your account. This may include assigning your debt to one of our debt recovery partners or to our solicitors to assess potential legal action.

Credit Reference Agencies (CRA) collect information from public records and companies that you are linked to, this can include banks, loans, utilities and mobile phone companies. They securely hold this data and put it into your credit report which calculates a credit score. This is accessed by authorised businesses for things such as credit, job applications, landlords, and mobile phone contracts

Lantern register with Experian, Equifax and Transunion. Not all companies use all three and it’s important that you check your credit file and score regularly. You can do this by using free online services like ClearScore, Credit Karma or MSE Credit Club, each one of these will give you access to your report for each CRA.

Managing all your credit accounts will show you’re in control of your financial situation. To ‘tidy up’ your credit score, making payments to clear any unpaid defaults can look favourable to lenders. Starting to make payments will also prevent any further action which can include your account being referred to debt collection agencies, reconnection services or court action.

If your account is being reported at the Credit Reference Agencies, we’ll update them with details of all payments that you make. If you pay your account in full, any default will show as ‘satisfied’. If we agree to accept a discounted amount as settlement, any default will show as ‘partially satisfied’. Updates are communicated to the Credit Reference Agencies at the end of each month and will be applied to your credit file within the first 2 weeks of the month following repayment.