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ecb

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About ecb

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  1. Me again. I would appreciate some gentle guidance on this and how to go forward... I did send SAR request to both Student Loans and Erudio in April. I have now received a reply from Erudio. Some 4 packages. Pack 1 screenshots from account and glossary of terms. Pack 2 coppies of outbound correspondence relating to account Pack 3 in bound correspondence Pack 4 copies of annual statements and remediation pack. Lots of paperwork that is quite overwhelming. Im at a loss what to do, what im looking for or what to do next. Where do I find the current earning thr
  2. Thanks for your reply Unclebulgaria67. my last post was filling in the blanks for the above question. My FA is no longer trading under his own name. He has gone to work for a company. Where would I sent the SAR request to?
  3. Thanks for the reply. For a period this was dealt with by CAB and they suggested the £1 payment. If my loan has been deferred because Im not earning over the threshold can they still apply arrears to the account, say for example because I havent completed one of the deferment forms? If I can provide work history for the full period that shows I have been under the threshold should the arrears be applied? Or is that when you can pay but just dont?
  4. The FA knew my whole circumstances at the time as I had recently taken out a mortgage with him. He continued to phone me to tell me how important it was that I took out this policy now that I was on my own and what would the kids do if I took ill - despite me not having a job!! As soon as I managed to find a temp job I made this policy a priority which now seems so stupid, but Id been scared into it. He had told me that this was more expensive because it didnt decrease over the term and my kids would need £ as well as somewhere to live if I was no longer here. Ive recently found tha
  5. Thanks for the reply DX100uk Im not really sure about the arrears. Ive only been getting annual statements from them and not letters of this nature. Should they still be pursuing me for a 1990 loan as its over 25 years? Once I reach 50 can they still pursue me for this debt? Are the arrears considered to be a separate debt to the original loan? Whats my best course of action today? They want contact within 14 days. I dont earn over the threshold. Can I send copies of my payslips and a covering letter to defer as I see your advice is to not complete their deferrme
  6. Thank you for the reply DX. Please can you point me in the best direction to do this. I did try to recliam my PPI (using a company) but all came back with no PPI paid. Would I only be able to claim back for 6years of the premium paid or will I be able to get all my payments back? Heartened at the prospect of being able to reclaim, but still feel let down by trusting someones advice I paid for.
  7. When I purchased my house I used the services of a financial advisor who also sold me health insurance policy to cover the mortgage at that time. Recently on speaking to a colleague at work, she has the same cover for a quarter of the price I am currently paying. I feel like Ive been pressured by the FA to take out a policy that was far more expensive than I needed to be paying. Is it possible to get my premiums refunded for this, or do I have to forfeit them if I cancel it and move to a cheaper product? Feeling really let down by someone I thought was giving me sound advice.
  8. Thanks for the reply dx100uk. I last deferred in 2014. In 2009 I was advised by CAB to make a nominal payment of £1 per month on each of my loans (I also have a 1996/97 loan) because I was without any form of income. This was set up as a standing order and paid to SLC. I have continued pay this amount since then. Ive realised that Im still paying for the 1990 loan which is over the 25years as stated in the T&Cs . Have I further complicated this by making the payments?
  9. Please can you advise. Ive read through the other threads and the Erudio Sticky on here before posting. I can see DX has referred to more recent Erudio tactics in a post in March, but cant see the details of what they might be. I took out my original loan in 1990 and have another from 1996. I received a letter today from Erudio stating that they have recently sent me Notice of Sums in Arrears or I may have historical NoSiAs for arrears that fell due. They want me to contact within 14 days and if I fail to do so it could lead to steps to default my account. I dont ear
  10. Please can anyone advise me on Council Tax single person discount. I'm living with my 2 children. My eldest moved out Sept 2015. In Sept this year the council started taking 50% increase on the amount Ive been paying. They had an old letter that stated my eldest child was on a college course until Aug 16 (when in fact she had moved out a year prior to this). I notified the council that she wasn't living here and not to take another inflated payment from my account as I wasn't in a position to cover this. Initially I got a reply within 3 days to advise about the letter bein
  11. I contacted CSA approx. 18mths ago to request a recalculation of my ex income. (I had previously been told by them that I had to wait 12 months before requesting a recalculation) This time I was advised by their staff to request it at a different time of year. Today I requested a recalculation because its 4years since the last one was done and he is obviously underpaying me, but may not have been so careful in covering his tracks as he was 4 years ago. I was told today that they would not do a recalculation just because I had requested it. I had to provide evidence that his sal
  12. Hi, the company has rejected my monthly payment, I got the bank to reinstate the SO. Same thing happened the next month too. This time I didnt ask the bank to set it up again. Does anyone know if this is the usual way for them to behave? If they do this for 3 months and reject the payment, can they then claim that I have done nothing to reduce the debt? Is this the start of them vigorously pursuing me, since they have been quiet for so long................? Anyone any ideas?
  13. My child was sent a cheque for Christmas for £100. Sent it to the Building Society where she has her Child Trust Fund (her only account). I received a letter to say it was received and would be credited to her account. This week I have received a letter stating that the cheque has been returned by our bankers as 'Refer to Drawer'. This amount has now been debited to your account and returning the cheque for your reference. Then to add insult to injury...... The letter continues that there will also be a charge for this returned cheque of £30, please forward this remittance to
  14. Further to my previous questions. Last month the company rejected my bank payment of £1. This is the first time that this has happened since it was set up, about 4 years ago. I dont want to ring them to ask why. Since they returned the payment to me, my bank cancelled the SO. Ive asked the bank to reinstate the payment for this month. Im wondering is this is the beginning of them taking a more hard line on this? Does anyone know if this is a typical way for them to behave in returning payments. Can they start to claim that Im not doing anything about the debt without a credit
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