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About sabby1978

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  1. I've Sen t them 5 deferments and they've rejected all saying I need to fill in their form, I'm hellbent on resolving the matter not aggro
  2. I haven't been told to let it drop, I don't want to be harrassed any more and I don't know what else to do
  3. Sorry just to be clear the investigator at the ombudsmen said she couldn't officially rule and so she was handing over to an adjudicator.......that was at the beginning of April. I just wanted erudio to be held accountable and for this whole debacle to finally end. My complaints and challenges are falling on deaf ears. In fact in around April erudio said that my account was on hold until they had investigated my numerous complaints but still no response only demands for money, statements of arrears and threats of court. Arrears have only accumulated because they have refused to accept my
  4. Yes everything has been logged as its nearly all been done via email. What I really want to know is can I take erudio to court and if so what is the process?
  5. I've done all of that and everything humanly possible I just want to know If erudio can be taken to court, the process and can I use harassment as grounds. I don't want to waste anymore time corresponding with erudio as its futile and its really weighing me down. Please any advice on taking erudio to court
  6. Hi all, I've posted on here before regarding Erudio and their insistence that housing benefit is part of my gross income. the old SLC never considered housing benefit without this being included I'm substantially under the repayment threshold and I'm over the repayment threshold when it's included. I have been arguing that housing benefit is a non taxable income which was never considered by the SLC and that under the T&Cs of the loan is an exempt income. I have raised this with the ombudsmen however they initially ruled in favour of erudio however it is now be
  7. Ok, I will submit old slc deferment form. I feel that I Could afford 25 but if that means I am entering into a new agreement with them and that they can mess up my credit file which I have worked so hard to rebuild then it's not worth it. I will keep you all updated no doubt I will need further support and advice
  8. Hi DX, I hear what you are saying but to be honest I cant be bothered with the hassle of deferring every year and I think that I could afford to pay £25 and would prefer to do this rather than having to deal with them any more, what is the best way to do this?
  9. Thank you for that DX. By any chance do you know where I can get an old SLC deferment and could I write an accompanying letter saying that I will make a payment of £25 per month to be honest the process of deferring under erudio has caused me a lot of stress and I would prefer to avoid it. Again, what would I say about not signing their papers?
  10. Brassnecked, they should NEVER EVER use DLA. Report them to ombudsman if they do.
  11. Hi all, thought that i would give you an update since my original post and get some further advice from you all. I made a CCA request in March and have only just got a copy of the credit agreement i suspect that i only received this because they made a complaint to the Ombudsman about Erudio's conduct, they continued to write to me making demands for money, they also say i now have £800 worth arrears which i feel is not the case because the account was in dispute. they want £186 per month from me, there is no way i can afford this, my salary is only £900 per month.
  12. I agree and based on the fact that DCA's cannot legally change the terms of the original agreement should be fine, if they don't comply with my request then the debt then becomes unenforceable in law, so here's hoping. This would not happened if they had not acted so unscrupulously and not tried to con money out of working low income families
  13. Having deferred for the last five years (and my circumstances have not changed) I can assure you that neither housing benefit nor child tax credits were used in the SL calculation, their calculations are based on gross taxable income not gross income (there is a difference), my deferment was not a mistake on their part or out of the goodness of their heart. I'm not sure there is much point in debating this point much further but perhaps it would be useful if you posted the original loan agreement so the experts can have a look. The original agreement needs
  14. Old student if that was the case why did the SLC accept my defermenta over the last 4 years, my circumstances have not changed and they didn't do it out of the goodness of their heart. And on the last link I posted it clearly stated taxable earnings, welfare benefits are not earnings. Contracts and their terms and conditions are not based on semantics that are open to interpretation. This situation can no longer cause me any anxiety because my vibrational energy is high and even if I'm wrong (which I doubt very strongly) and I have to start paying, ill offer £5 or £10 which they will hav
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