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europa16

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About europa16

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  1. I know I shouldn't worry but when I read about court cases which went to the High Court and judges deciding Default Notices reset the clock, I am worried - Erudio did issue a default notice in May 2016 (not SLC). Not that I received it - it went to an old address! I don't want to toss things up by issuing a defence on it being Statute Barred if Drydens can then rely on the Default notice to say it's not, as I have then acknowledged the debt and will have to pay this back (despite being under the salary threshold for the majority of the 25 years). This is stressing me.
  2. I’ve had a closer look at the paperwork they sent to me and there is no deferment paperwork amongst it, the only mention of deferment is on the Notice of Assignment Pack they allegedly sent out to my old address in February 2014 (which I obviously never received). It shows the “loan accounts to be transferred” and the “current status of loan” as Deferment - I hadn’t spoken to SLC since 2012 at the latest. Nor is there anything in the statements from 1995 onwards to say I’ve contacted them, it’s all just interest added on or taken off as they ballsed up the calculations! If there was the deferment paperwork available, would they have had to show it as part of the PAP or is this how I prove the loans are Statute Barred? There’s nothing in relation to deferring for a new year before or since they took over. On the Statute Barred thing, though, is this from my last contact with SLC or the Notice of Default that Erudio claim they sent me in 2016 (wrong address)? Also, I took a look at the credit agreements they sent and they are almost impossible to read! Would upload but keep getting an error. Will keep trying. I’m trying to find the best defence against them but without knowing for certain the last time I acknowledged this thing, I don’t want to restart the clock without realising!
  3. A letter has been posted today requesting the pay for 30hrs. Although he may be due the holiday pay, it does seem unlikely so we have left this out and kept it simple, giving them 14 days from receipt.
  4. Thanks for the replies. Because they sent old cca and some other bumf when I filled in the PAP forms, do I still need to do the CPR 31.14 request? They originally sent a badly photocopied CCA and very poorly copied terms and conditions which were 3 years newer than the agreement. Need to have a wade through the rest of it... Also, should I ring SLC just to make sure about the Statute Barred or is it pointless?
  5. I have logged onto MCOL and submitted the Acknowledgement of Service. I am defending all of the claim, but now what? Do I write to them and tell them I believe the debt is Statute Barred or do I put this as my defence? Feeling somewhat stressed at the moment and left floundering...
  6. Thank you so much for your replies, I’ve not had chance to read through them properly so I will do that this evening. Sangie5952, I’ve sent you a pm with a couple more details which I didn’t want to go public with (the name of the firm, etc).
  7. Unfortunately, he’d only been there 2 weeks so hadn’t reached the 1 month point where contractual notice periods kick in
  8. Son is 20, it was his first job. Have Pm’d you the name of the firm as I don’t feel comfortable making it public.
  9. He has said he would if we (parents) have his back, which we do 100%
  10. My son started work with a local electrical contractor on a full time basis. He gave the company his details, bank account details and NI number that first week, and received a cheque and payslip for week 1. The end of the second week, he was sacked as they “didn’t have the time or patience to train” him (despite knowing his skill level when they took him on). They claimed there would be a 1 month probation period. He hasn’t been paid for that second week, and despite emailing the director of the company, his email has gone unanswered. Due to the short period, he never received a contract,. He can prove he worked the second week but could the company try and get out of paying him by saying he wasn’t there that second week, as there’s no paperwork? He’s owed 30hrs pay.
  11. Name of the Claimant ? Erudio Student Loans Ltd c/o Wilmington Trust S P Services (London) Ltd Date of issue – 03 May 2019 Date to acknowledge - 21 May 2019 Date to submit defence - 4th June 2019 Particulars of Claim What is the claim for – the reason they have issued the claim? The claimant claims £2900 for monies due from the Defendant. This debt was pursuant to a regulated agreement(s) between the Defendant and The Student Loans Company Limited. 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 of Termination Notice subject to the terms of the agreement(s). The debt was assigned to the Claimant on xx/11/2013, with a notice provided to the Defendant. A new master reference number 6xxxxxxxxxxxxxxxxxx was also applied upon assignment. The Claimant has complied with the Pre-Action Protocol for Debt Claims. What is the total value of the claim? Approx. £2900 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes, 3 times. Sent paperwork back twice disputing debt, didn’t third time. Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes, twice. Did you inform the claimant of your change of address? No, but the Notice of Assignment did find its way to me in 2015. Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Student Loan (Mortgage Style) pre-1997 When did you enter into the original agreement before or after April 2007 ? Before 2007 Do you recall how you entered into the agreement...On line /In branch/By post ? At university, not sure if by post or in person. Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? Not checked recently, but wasn’t. 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 - Debt Purchaser, Erudio Were you aware the account had been assigned – did you receive a Notice of Assignment? Wasn’t aware until 2015 when paperwork was received. Did you receive a Default Notice from the original creditor? No, don’t believe so. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Only in the PAP paperwork and this month. Why did you cease payments? SLC refused to defer due to late paperwork (was on long term sick for depression) and due to other issues, it just got left after I cancelled the direct debit. What was the date of your last payment? Maybe 2012, no later than May 2013 as they automatically took it out of my bank account because of the above. Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? They were aware I was on long term sick (10yrs at that point) and not working, and despite requesting longer deferment, they refused. Thinking back to the last time I dealt with SLC, I’m fairly certain it was 2012 when I cancelled the direct debit, after they refused to accept the deferment because the DWP sent the stamped paperwork back late (I was living in the middle of nowhere and no transport - the nearest job centre was 15 miles away at the time).
  12. Drydens have issued a County Court claim form which was received today. I’m pretty certain this debt is now stature-barred, so what now?
  13. The thermostat was supplied specifically for use with the mats we purchased, as a full kit. The thermostat is designed solely for use with underfloor heating. As previously said, the system worked perfectly fine for 10 months, no issues with tripping, no weird smells or overheating. We’ve had another electrician come along and look at all the parts and the wiring, and he tested the mats, which were within 1% of the resistance ohms listed by the manufacturer. We also found out that the full ufh system is at the very top end of what the manufacturer deems as acceptable (3600w). The thermostat is designed to handle this amount, allegedly, though but could this high wattage have played a part?
  14. Thank you for your reply. The thermostat is only linked to mats in one room, and the load is well below the maximum the thermostat could handle. All the wiring is still together, albeit charcoal - it was all fitted and tested by a qualified spark but we are getting another spark to look over all the wiring and the unit. Our neighbour is an electrical engineer and he seems to think the fire originated with the thermostat not the installation. The manufacturer want loads of paperwork, including minor works cert but we are in the middle of ongoing works (which building control are aware of and have ongoing checks). This supposed to be for the lifetime warranty but we never bothered with the extended warranty and this happened within the statutory 1 yr warranty they supposedly give. We aren't handing the unit to them. Been told that by a fire investigator today.
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