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    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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Erudio and final FOS decision - now drydens PAP Letter


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too many complaints

always the way when a DCA buys bulk debts

and tries to fleece people

 

the trouble with all these SLC loans is the gov't flogged them on

so the FOS have to tread carefully.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 months later...

Been a while so I thought I'd provide an update.

 

hadn't heard anything since September annual statement, not even a letter from Erudio to say they are reporting me to CRAs.

 

But that changed in November and Crapquest sent me a text about a "personal matter" that needs sorting out today and then tried to ring.

 

Erudio said they passed on my "debt" in June/July and it's taken till November for them to get in touch. Definitely needed sorting out that day then.

 

after blocking numbers, they could still leave voicemails, turned off voicemails.

 

They combated that by sending a text with no number to block, saying I've got a letter waiting for me at this link.

 

As if I was going to click that link, just deleted the text.

If they want me then they can actually send me a physical letter with details of my loans and that they have ownership.

 

Though my deferment date is in May, (I'm sticking to it, even if Erudio don't wish to honour it)

 

was thinking about sending them (crapquest) a letter saying, communication in letters only and I'll be in touch before my deferment deadline with relevant information.

Is this worth a stamp or should I just wait till deferment time?

 

I'm still going to send a letter to Erudio at deferment time as well, unless I've got something in writing that crapquest officially own my loans.

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erudio are arrows, crapest are another trading name of arrows.

 

I wouldn't bother

 

same office

just another bloke at the next desk in a different coloured skirt

 

all designed to make you think its going up some kind of chain

its not

its willy waving to spoof you.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

Well I've finally had a letter from from Crapquest informing me they will be managing my account on behalf of erudio. They also said they first wrote to me 8th Nov which is a lie (shock) as I never received a letter.

 

So I advice on my next move please.

 

I know they are the same company, so should I send them my deferment evidence this year as well as erudio or just keep it to crapquest now?

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they always say they've written before std DCA tactic going back to the 1980's

 

 

post 84 applies

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Cheers dx.

 

What do you suggest I do when my deferment time approaches in a few months?

 

 

Should I send my letter and evidence to erudio or capquest?

 

I suspect erudio as crapquest are "managing my account on behalf of erudio.", though i suppose i can easily send it to both.

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  • 2 months later...

back again as my deferment period is approaching so it's once again letter time but i need some advice on what to send and to who as things have changed since the last time.

 

i have recently set up my own business and i am about to start trading at the end of april.

This is not a salary paid position at the moment and I am not receiving any income at this time or will be in the months that follow.

 

 

i am self funding it at the moment and will receive any money via dividends at a later date, though this is not guaranteed as my business is based on sales.

 

 

I will be looking at getting another job in the future if this doesn't work out, but have to follow those dreams eh!

 

i was going to just send them a letter explaining that along with a copy of the letter from companies house with my name on it proving i am the director of said company and a blacked out bank statement but showing zero income.

 

I presume this should be good enough?

 

Also should I just send this to erudio and not capquest? even though crapquest are "managing the account" now

 

i know crapquest and erudio are the same company

I presume if i send it to erudio and if they try to take me to court I will have still kept up my communication with them so should still be ok?

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Just fill out the old SLC deferment form its here somewhere to erudio

No need for anything else that you normally would not send slc

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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thanks andy great find!!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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i'm gonna create a new thread and make it a sticky!!

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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cheers dx and andy for the advice and link to the SLC forms. I really appreciate it.

 

I'll edit the gross amount on the form to this years before I send it off. I'll also sign it with a slightly different signature as if I recall that's what i did with the fos stuff when i sent it in last time.

 

I'll update the thread if/when I hear anything.

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  • 3 months later...

but if slc already knew it then so do arrows so no backdoor CCJ

which are the only ones that they go for

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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but if slc already knew it then so do arrows so no backdoor CCJ

which are the only ones that they go for

 

But if you move again then you only have to inform erudio your new address?

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but not simply by receiving phishing letters.

if YOU did not inform SLC of your current address before the sale of your loan

or you have changed address again since you need to ensure arrows know it YOU sending say a CCA request or some letter informing them.

 

 

else they'll go get a default judgement on you on purpose

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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in writing I hope

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

doesn't matter they could have gotten that from your credit file and sent phishing letters

so that WONT prevent a backdoor CCJ

have YOU written to them from your current address?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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posts moved to your own thread

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Yeah I've sent them numerous letters including this years deferment SLC form letter. Signed for delivery so I've got proof.

 

posts moved to your own thread

 

dx

 

Thank you. Sorry for hijacking the other thread.

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I can see that now we are on your own thread..

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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