Sorry to be dim but is it section 77 fixed loans for a student loan on the cca request? Also if Erudio bought the loans from student loans then they are not the original creditor so I need to include the paragraph underneath? (Just want to check I'm doing it right).

I have a letter from Erudio from 2015 outlining the complaint- that I blacked out parts of the new deferment form. The last deferment was 2014 - this I also blacked out but it was accepted and is noted in the letter. So 2014 is the last deferment.

Is the 3 letter thing freeman stuff? I read about it somewhere and sent the first letter When I file a defence do I just say about the refusal to accept my deferment form after I blocked out the change to t&c?

Name of the Claimant ? ERUDIO STUDENT LOANS LTD Date of issue – 02 Nov 2018 Particulars of Claim 1.The claim is for the sum of £7800 in respect of monies owing by the defendant on a credit agreement held by the defendant with student loans company under account no @@@@@@ upon which the defendant failed to make payments 2. A default notice was served upon the defendant and has not been complied with. 3. The balance owed was assigned from student loans company to the claimant and the defendant has been notified of the assignment by letter. Contact drydensfairfax solicitors on.... Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Not that I'm aware What is the total value of the claim?£7777.05 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Student loan 1996 When did you enter into the original agreement before or after April 2007 ?1996 Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ?No experian says credit score 999 out of 999 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. Erudio Were you aware the account had been assigned – did you receive a Notice of Assignment? I was told student loans were sold to Erudio Did you receive a Default Notice from the original creditor? No Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No - they backdated them after I sent first of 3 letter process to Capquest Why did you cease payments?I'd not been making payments but deferring as wasn't earning because I have a disabled child. They refused my deferment form when I blacked out the new t&cs What was the date of your last payment?Last accepted deferment was 2013 I think Was there a dispute with the original creditor that remains unresolved? No only with Erudio Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management No

I need to reply to this soon as the service date was 2/11 Please help. Should I just send the defence form back saying they didn't provide the original contract? Or do I mention the refusal to accept the deferment with the blacked out new t&c Sorry but I'm getting very worried about what to do

Thank you DX

Hi I received a claim form from Drydens limited on 2/11 this relates to a 1996 student debt. I had been deferring the debt as I have a disabled child and never had income at the repayment threshold. The problem started in 2012 when Erudio changed the terms and conditions - I blanked out the new terms and returned the deferment saying I still met conditions under original t&c. They refused to accept this and have been after payment since. Various debt collection agencies have been used. last year it was Capquest who threatened legal action. I sent them letter 1 of the three letter process in June 2017. They responded to my request for the original contract that they had requested it from the student loans company. Sept 2017 they informed me they were still waiting for a response from student loans. No more contact from Capquest, then Erudio student loans send a pack of 'missed' statutory notices. Still no original contract. Now the claim form for £7777.05 arrived 2/11 from Drydens on behalf of Erudio please advise as I have no money to pay this and I believe they acted unlawfully by not accepting my deferral in the first place. should I dispute the claim as they failed to provide the original contract and send this back to the court?