Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #21
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    Default Re: Erudio - Sent me my CCA

    No so ill sign then, i thought more its maybe what they may do with that signature..copy and paste it etc

    Ill type it up and send tomorrow

    THanks


  2. #22
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    Default Re: Erudio - Sent me my CCA

    Still not sure about signing this one but i guess i must. Just worried if capquest get hold of it they pay copy/paste. But hey if i must i must sign

    Will be sending today, i kept it very blunt and demanded as you say - thanks again


  3. #23
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    Default Re: Erudio - Sent me my CCA

    you are not disputing agreements exist...

    so what good would it do them to copy your sig anywhere....


  4. #24
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    Default Re: Erudio - Sent me my CCA

    Hey guys, thought i would update you -

    recieved a balance statement from erudio following my dispute letter and sending my deferrment for again (Thanks DX100UK),
    they have been removed from my credit file.
    This letter was dated 4th sept.
    All looks like its ok?
    Maybe not.... i received no acknowledgement of my letter,
    AND also received this:

    Around the same period (i didnt open my post) i received a lettericon dated 29th AUG stating the following:
    Thank you for your recent correspondence regarding your studenrt loan.
    We have now investigated your complaint raised on decemeber 2015 and unfortunately we have not recieved correspondence from the FSO.
    We would ask that you send us a copy of the outcome, to be able to investigate further.
    Capquest will place a 30 day hold on your account ......

    Any advice on the next steps?
    Shall i send my deferrment letter recorded again?
    Doesn't seem they have acknowledged and/or are mocking it


  5. #25
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    Default Re: Erudio - Sent me my CCA

    We have now investigated your complaint raised on decemeber 2015 and unfortunately we have not recieved correspondence from the FSO.


    whats this bit about?
    did you complain to the fosicon then?


  6. #26
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    Default Re: Erudio - Sent me my CCA

    Thats what im puzzled about. No i didn't, i requested a cca using the template link on here when they said they wouldn't accept my original deferrment, i then sent a no cca response letter again states nothing about FSO. Nowhere in my letters did it state this at all?

    These letters were sent to then in 2014 not 2015.


  7. #27
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    Default Re: Erudio - Sent me my CCA

    ignore them then
    you sent the deferment form to cover you yes
    so you are 'upto date as such with those?


  8. #28
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    Default Re: Erudio - Sent me my CCA

    Ok sure, thanks again

    Yes i believe i am, ive sent them the deferrment form every July and i think cut off was Oct so this year was in too.

    Think its worth sending again, with all the years attached?


  9. #29
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    Default Re: Erudio - Sent me my CCA

    No let 'em sweat


  10. #30
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    Default Re: Erudio - Sent me my CCA

    Thanks again!!! As soon as i hear anything ill pop back


  11. #31
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    Default Re: Erudio - Sent me my CCA

    Hi Guys, update:

    received a lettericon from erudio telling me my account has now been passed to allied international credit, obviously they have ignored my previous letter and my deferment.

    Shalll i send another letter outlining the DAF acceptance by fosicon and also write a complaint to the FOS?


  12. #32
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    Default Re: Erudio - Sent me my CCA

    nope AIC are totally powerless


  13. #33
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    Default Re: Erudio - Sent me my CCA

    AIC - hahahhahhhaha


  14. #34
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    Default Re: Erudio - Sent me my CCA

    Haha ok, i know they are useless but i just cant believe erudio are playing this game when im complying with fosicon. Shocking but oh well!

    Enjoy your weekends!


  15. #35
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    Default Re: Erudio - Sent me my CCA

    You definitely don't think its worth complaining to the fosicon about this like 'pluthero' did in this thread?:

    https://www.consumeractiongroup.co.u...-fighting-them


  16. #36
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    Default Re: Erudio - Sent me my CCA

    well lets see where this goes.

    one letter stating what they must before passing it around is not harassment
    see what evolves


  17. #37
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    Default Re: Erudio - Sent me my CCA

    Ok sure thing, thanks again


  18. #38
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    Default Re: Erudio - Sent me my CCA

    Got another letter from AIC offering a reduced rate dropped by 1000. Ridiculous, i sent my DAF!!!

    I know its too early to complain to fosicon about the DCAicon harassment but this shouldnt be with a DCA anyway as i have complied with the DAF terms. I feel i should write to erudio stating this again?

    Thanks


  19. #39
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    Default Re: Erudio - Sent me my CCA

    No l. Let it run


  20. #40
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    Default Re: Erudio - Sent me my CCA

    Thought you would say that hence i held off

    Once again thank you



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