A claim was issued against you on 06/05/2021 Your acknowledgment of service was submitted on 13/05/2021 at 10:36:11 Your acknowledgment of service was received on 13/05/2021 at 12:05:20 That is all that there is in the History Thank you for getting back to me

After going on the MCOL site and filling in the form as per below. It said Do Not file a defence, after doing this I didn't hear anything at all, therefore in reality there wasn't much to keep updated on until this new letter: pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] . register as an individual on the Gov't Gateway Site note down your details inc the long gateway number given, you might need it later. then log in to the MCOL Website . select respond to a claim and select the start AOS box. . then using the details required from the claimform . defend all leave jurisdiction unticked you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit MCOL. .. get a CCA Request running to the claimant https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant] ... .https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . on BOTH type your name ONLY Do Not sign anything . you DO NOT await the return of ANY paperwork you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]

After not hearing anything from Drydens in months this arrived the other day. I have followed every step from the CAG thread...again they're somewhat vague and I'm not even sure what they have sent in proof is even evidence that I agreed to the loan maturing? drydens 9-9-2021.pdf

Thank you

Name of the Claimant ? Erudio student loans C/O WILMINGTON TRUST S P Date of issue – 06 May 2021 Particulars of Claim What is the claim for – Particulars of Claim 1. The Claimant claims E=M for monies due from the Defendant. 2. This debt was pursuant to a regulated agreement(s) between the Defendant and The Student Loans Company Limited. Each agreement had an individual account number as follows: 3. The Defendant failed to make payments as per the terms resulting in the agreement(s) being terminated. Notice of such is served by a Default or Termination Notice subject to the terms of the agreement(s). 4. The debt was assigned to the Claimant on 22/11/2013, with a notice provided to the Defendant. A new master reference number was also applied upon assignment. 5. The Claimant has complied with the Pre-Action Protocol for Debt Claims. What is the total value of the claim? 560.54 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? I do not know what this means Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? n/a Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? student loans When did you enter into the original agreement before or after April 2007 ? 1997? Do you recall how you entered into the agreement...On line /In branch/By post ? Via the Student loan company at university before the internet Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? I don't know Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. I was with the student loans company and they are still differing my loans and always have only Erudio have claimed I need to repay Were you aware the account had been assigned – did you receive a Notice of Assignment? I don't believe I did Did you receive a Default Notice from the original creditor? No the Student Loans company are still and always have deferred my loans Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ? I don not know Why did you cease payments? I don't think I have ever paid the student loans company What was the date of your last payment? n/a Was there a dispute with the original creditor that remains unresolved? I do not know Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? I do no know What you need to do now. Answer the questions above If you have not already done so – send a CCA request to the claimant for a copy of your agreement (If Applicable) I have done everything this thread has asked me to do and have always had my letter returned with the £1 I was told to post

So I've done all of the above...They just kept sending the letters and the postal order back with a comps slip and now this has come Is this an official court form or this still part of the scam? Drydens_court_letter.pdf

This is really dragging out now and starting to cause ill health So all the steps advised by the CAG have been followed I sent the Template Letter with the £1 Postal Order and they have now sent a Court Letter out. I'm just feeling so trapped by it I can only think about getting a credit card to pay them the £500 and stop them sending letters DDFF_REDACTED.pdf I've no idea...I was under the impression Student Loans were cancelled when you got to 40. I've just Sent my SLC my deferment letters once again and they seem to be Above Board...One would have thought that never ever having earned enough to go into the repayment threshold since getting my Loans in the 1990's that they would see a correlation and realise I'm never going to earn enough to start paying them back.

Dryden replied and have said the documents are available but they can't send them instead I have to log onto their website. Scan copy.pdf

Hello there! an update and a further question for you please.. Letter was sent back to Drydens Fairfax within the 30 days disputing the claim due to student loans deferring the loans each year. Received a letter from Drydens on 11/12 acknowledging the letter, saying that the account had been put on a temporary hold whilst they contact their client with details of the query and that they will inform us as soon as a response is recieved from their client. Then yesterday another letter of claim arrives, exactly the same as the one they sent in Nov, with no response to the letter we sent back to them in response to the previous letter of claim that they sent in Nov. Do we just need to send another response back as we sent in Nov? What are they playing at? SLC never replied to the SAR that we sent off in Nov either. Thanks again for your help with this.

Hey there DX. Please can you help with the reply to Erudio? We haven’t had anything back from SLC yet and it’s getting close to the 30days, I’d like to get something sent off to them if poss. thanks so much for your help.

Hello. Yes we deferred this year and sent a copy of the doc deferment to erudio. Deferment was accepted by slc, didn’t request an SAR, must have overlooked that.

Hello all. Please can you have a look at this letter that was received today. Please can you let me know how to proceed? Doc 11-02-2020 12-06-08.pdf

Thanks both for your help. I’ve filed the letter and will see what happens next.

Thanks DX. Is it just another fishing letter? Will a letter of claim be titled that? I doubt that for a measly £500 it’s worth their bother to try and make a claim is it??

Thanks Andy! Update on this thread. We ignored letters sent in Feb as kindly advised by DX. So we have recently received this letter from Drydens Fairfax Demanding payment of the loan by 29/10. however all loans have been deferred each year. Not sure what to do next. Any advice would be great fully received! Thanks so much! Doc 10-22-2020 17-35-02.pdf