i am ready to send off the PAP form and reply.

No CCA to be requested as agreed but wasnt sure about the following points to add.

I have posted my response draft below.

I will tick box D, and im pretty sure i dont need to send my income and financial statement forms or should i?

i will be sending pages 10, 11, 12 and 13 signed with the below letter:

_______________

I enclose the form requested to be returned.

I bring your attention to that this debt is in dispute as I am not in arrears.

My account should be deferred.

I have been in correspondence with your client, all of which proof is noted.

The deferment forms were sent in the correct timescales and correct under the decision of the financial ombudsman service.

I look forward to hearing from you.

___________

Should i tick box I and add:

I will also require:

A copy of the Default Notice (mortgage style loan so N/A?)

A copy of the Notice of Assignment (N/A as Not assigned to anyone new?)

A complete set of statements detailing exactly how the debt has accrued detailing:

I. All Transactions.

II. any additional charges, by the original creditor or Arrow the debt purchaser or any predecessor.

III. details of all contractual interest added by whom and on what date.

IV. List of ALL Payments made toward the Agreement

Not sure those further requests are necessary but wasn't sure.

Anything else i should add? in this thread

https://www.consumeractiongroup.co.uk/forum/showthread.php?490204-SLC-Erudio-1993-loan-now-Dryden-PAP-letter/page2

They have sent a copy of all their deferment forms (unsigned) ticking box H, along with a SAR request to erudio (ticking box I), should i do the same?

i am ready to send off the PAP form and reply.

No CCA to be requested as agreed but wasnt sure about the following points to add. if you've not ever sent a CCA request yes send one staple it to our version of the pap reply form]

I have posted my response draft below.

 

I will tick box D, put as blue below i dispute the debt because..

 

 

and im pretty sure i dont need to send my income and financial statement forms or should i? no we have said don't in that thread.

 

i will be sending pages 10, 11, 12 and 13 signed with the below letter: no you DONT SIGN IT read the text post 4 here https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017

 

_______________

 

I enclose the form requested to be returned.

I bring your attention to that this debt is in dispute as I am not in arrears.

My account should be deferred.

I have been in correspondence with your client, all of which proof is noted.

The deferment forms were sent in the correct timescales and correct under the decision of the financial ombudsman service.

 

I look forward to hearing from you.

___________

 

 

Should i tick box I and add:

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017

read the advise here.

I will also require:

 

A copy of the Default Notice (mortgage style loan so N/A?)

A copy of the Notice of Assignment (N/A as Not assigned to anyone new?)

A complete set of statements detailing exactly how the debt has accrued detailing:

I. All Transactions.

II. any additional charges, by the original creditor or Arrow the debt purchaser or any predecessor.

III. details of all contractual interest added by whom and on what date.

IV. List of ALL Payments made toward the Agreement

 

Not sure those further requests are necessary but wasn't sure.

Anything else i should add? in this thread

https://www.consumeractiongroup.co.uk/forum/showthread.php?490204-SLC-Erudio-1993-loan-now-Dryden-PAP-letter/page2

 

They have sent a copy of all their deferment forms (unsigned

 

 

ticking box H, along with a SAR request to erudio

 

 

(ticking box I), should i do the same?

dx

OK thanks, i have read that a few times just unclear on a couple things

so i will NOT include deferment copies

I WILL Tick box D

Yes i did request my CCA from Erudio but what they sent me was microfiche copies with reconstitiuted T & C's , i did upload but i cant see where those pages have gone, however i have them. Also have SAR from SLC. So should i still request this again?

i WILL tick box I and request

I also require you to supply the following..

a copy of the Default Notice

A copy of the Notice of Assignment

A complete set of statements detailing exactly how the debt has accrued detailing:

I. All Transactions.

II. any additional charges, be them by the original creditor or you xxxx the debt purchaser or any predecessor DCA.

III. details of all contractual interest added by whom and on what date.

IV. List of ALL Payments made toward the Agreement

Do i include my statement on my covering letter - you highlighted in blue not sure what that meant?

if you have deferred then they have them you don't need to copy again to them.

when did you last CCA?

you cant do anything 'wrong' so I wouldnt really sweat too much about what you need to put or include or say

dx

Thank you Dx100uk, last CCA was 2014 so probably worth doing again

Cool will be posting off later today i think

I'll no doubt report back with any update

Thanks again!!!

Hi All, so update

2 separately posted letters received by Drydens:

1 - stating the client (erudio) confirms they never received any request for deferment since they took over the loan.

Under the terms i can no longer defer and the full amount is repayable.

if i dont pay in full by the 26th Nov i need to call and arrange a plan

Strange considering this all initially started because they sent me their deferment which i didnt want to sign and sent the original.

I have letters back and forth and complaints which they acknowledge and i have proof of these being sent, and of them even telling me about my deferment options and still attaching their forms.

2 - second letter is of them acknowledging my requests attached with PAP, returning my £1 PO, stating this is no longer required??

They state the account will go on a 30 day hold while they investigate.

Kind of conflicting since above they state i must pay in full within the next 9 days.

I have a lot of recorded proof and letters back and forth which clearly had my deferments in them but not their deferment hence them playing silly buggers.

i dont however have recorded proof of every year only 2 years, but letter responses from them 2014, 2015, 2016, 2017 where they acknowledge my complaints not directly addressing my deferments but again all relating to the same issue, and even sent me deferment forms

Not sure if i should reply and state i have all of this and send proof?

i do feel if i ignore they will take this to court which i would rather not do, but if must be so be it, i have done as requested and i am still under the deferment threshold so i should have been entitled to this.

But of course i shall await to see what your thoughts are

ball is in their court

you do nothing

sit on your hands

post 10 and post 16 refer.

dx

Quick update. i drafted a letter to erudio re-post 16, thank you again dx100uk

But also Drydens have sent me yet another PAP! Im presuming as its a PAP i must again respond? Either they are just automating this crap or they are ignoring the previous one and sending again

yep someone else has had a duplicate too just like you

same again.

I suspect drydens have realised there are numerous loans within the erudio ref number

and are sending out one for each

trouble is they are using the same number

Haha! oh dear im going to look for that thread now

So i need to respond or not you think?

Hi Dx100Uk, you mentioned 'post 10 and post 16 refer'

So ive drafted a letter to erudio, am i including the deferment again and payslips?

so the same as you did for the last PAP reply form

no-one said send payslips before did we?

hope you didn't

or was that part of the SLC deferement stuff you have to send when using their old form I forget?

Snap, they've done the same with me!

Hi Dx100Uk sorry for the late reply,

Sure thing im doing the pap form right now again.

Nope never sent payslips or anything. Only thing i have ever sent in the past to erudio is my original SLC deferment form, a CCA request and SAR request. And also re: post 16 a letter demanding that, which they sent a stupid non sensical reply to, which we ignored.

This time i am planning to send the same letter re; post 16 demanding they give me my entitlement to my deferment, but to clarify shall i send another SLC deferment? and im signing the deferment correct? i think we agreed signing was ok because i didnt dispute the debt only the right to deferment.

Hi europa16, haha so ridiculous isn't it, fully entitled to my deferment and very frustrating. I shall be watching your thread and wish you luck. Thank god for this forum and dx100uk's help!!!

i'd just send the old SLC deferment forms for the loans on years whereby you didn't.

nothing more..

Ok all ready to be sent off!

Thanks again

Update!

Received the same generic letter from drydens 'looking into it' as last time, they returned by £1 postal order RE CCA saying not applicable?

Erudio replied telling me that they investigated the matter and that my last deferment was 2009!

i dished out a letter from them stating my deferment ended in 2014!

interesting... seeing as thats when all this kicked off as the whole reason behind this is they wouldn't accept my original SLC deferment.

im tempted to send the proof of their letter stating the 2014 deferment ending, contradicting their letter stating 2009 was my last deferment althought wanted advice first

as always thank you for the support

if your last deferment was in their eyes 2009 the debt is statute barred.

dx

Extremely sorry for the late reply here, i was away.

Oh right? i wasnt aware at all thats how statute barred worked! i thought it was from the date of defaulting or arrears.

So in this case what should be my next steps you think?

Thank you once again

last deferment or written and signed letter by you.

see where it goes

most of these letters that resulted in various posts here and elsewhere have gone quiet.

me thinks an office junior was tasked with raising money for the firms mass xmas holiday in the Bahamas funded by mugd that will panic and pay up.

Hahaha sounds about right!

Great ill see what happens next but yes i have sensed it go quiet.. last letter from drydens is they were supposed to come back to me and havent so far.. twice

Thanks once again and ill report as soon as i hear anything

Just a quick update:

erudio sent a letter notifying transfer to drydens? bit odd seeing as they have already contacted me with 2 sets of PAP (as above posts), potentially just an automated system letter

Hi Guys

UPdate: drydens sent me a letter stating they have taken the debt to County court claim. Received the county court claim in the post today. Looks like i may well be going to court! Never defended a CCC before, ive started compiling all my evidence and refreshing all the posts in here and others.

Any advice on what my ext step should be?

Thread moved to Financial Legal Issues forum in view of the court claim.

Please read the following link and then copy and paste the Q,s and your responses back here for further advice on how to proceed.

https://www.consumeractiongroup.co.uk/topic/357877-you-have-received-a-claim-what-you-need-to-do-updated-jan-2019/

Regards

Andy

Thanks Andy, im going to read carefully and fully respond tomorrow. To clarify im just concerning myself with the first post only for now as this is the claim form NOT the N1 summons? i cant see N1 written anywhere and imagine thats the next stage?