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  1. haha ok, ill do that too Just checked again its blank but has the numbers on the first paragraph, ill blank it and send off tomorrow i dont see any new issues for this year in the threads, hopefully that means they are winding their neck in! Thanks again
  2. Hi guys, About to send off my deferment, just checking this is the correct form? I was contemplating just registering and doing it online, low and behold, i wasn't able to anyway, said ineligable No erudio forms online to download and if you email them, they say they will get back to you within 28 days and they do not. So i'm going to send the Original SLC forms. Id rather not go through this all again but i suspect my forms will be ignored and history repeats, lets see. Just to confirm, i fill in this form , send it with 3 payslips with employers letter? i notice thhis form i have has some figures on the first page, shall i remove/amend them or leave as is? Thanks orig def form.pdf
  3. Amazing thanks Dx Is there a timeframe i need to send within if deferrment is until 31st August?
  4. Hi Guys, After the court order, ive heard nothing from erudio. The order gave them 28 days to notify me 2 weeks ago i received further arrears notices as before Would the courts do anything here, or shall i just send my deferment with supporting documents? By court order im deferred until end of august 2023, it's getting close to having to submit deferment, which is 3 months in advance i believe?
  5. Definitely rather not and follow your trusted advice for sure, i just dont want to get myself in a headache. its a year away so ill post back closer to the time. ill update once papers come through also Again sincerest thank you for everything
  6. Essentially yes! I have the form from this forum, but is there anywhere that actually states the original form is allowed? Both you and i were looking for that but we could'nt find the official source again. Otherwise im sure the same will happen... i send old form, they say not accepted, i get defaulted. And thanks for clarification, i just saw the other post below and commented. checked the reconstituted version of my terms, indeed its 25 years or etc as you say. Alot of false info online. My debt will be wiped in the next 3 years so worked out ok in the end ive attached a good quality scan to help others Blank SLC agreement.pdf
  7. This is exactly what is on my terms, original are illegible but i have a reconstituted version But i also saw the above online so was confused, mine definitely says this though original terms of old style SL if anyone needs Scannable Document on 3 Nov 2022 at 18_51_18.pdf
  8. Sorry for the late reply, had a very long shift at work and not long woke up hearing was in the morning, i saw your reply but didnt have time to respond, thank you DX. All in all it was successful: Judge said my limitations and SB argument wasn't accepted, but also they failed to provide their WS and bring last minute case evidence. Neither of us had much opportunity to speak and based off the last hearing notes which neither of us attended, Judge granted that the deferment continue as it should have been (essentially the tomlin order). I'm deferred until this time 2023 lets see if any funny business from erudio when it comes to renewal. its agreed to be on my original terms. i'll wait for the court letter but also be sure to send my deferment on time. Having a look at erudio site, seems they cleaned up their act a bit, you cant see the form as its online but the guide states the terms are those based on your original loan etc (attached in case anyone wants). im presuming if need be i can call and speak to them as normal human beings maybe wishful thinking lets see. Was very fast to be honest, was surprised about the sb being denied but i didnt want to push it, it seemed much was decided before i walked in, or maybe my lack of experience in court. Looks like mine are written off at 65 so i have some way to go and will probably have to start repaying at some point, but the outcome could have been worse i guess Thank you all for your help, been a damn long journey and couldn't have done it without your help. i will update once court order arrives and if anything from erudio. Not sure what happens next but erudio will need to send me a confirmation im sure Erudio How to Guide 2022 - 2023 Final.pdf
  9. Hi Guys, Hearing is tomorrow, drydens only sent me the witness statement and reply today and by email! The court letter clearly said hard copies and no later than 14 days before the hearing. Can i bring this up to the judge?
  10. Phew thanks Andy! Ill be ready for the hearing and send the bundle in time!
  11. Hi all, Just an update, Court letter received today: Upon the court noting that the claimants failure to comply with civil procedure rule 27.9 (1) and noting the contents of the email dated 24 August 2022 seeking approval of a draft order. It is ordered that: 1. The claim is adjourned to the first open date after 28 days mainly November 2022 2. The claimant must attend or comply with civil procedure rule 27.9 (1) 27.9.1 is the non attendance of a hearing, so im not sure what they mean by attend OR comply with 27.9.1 Would the email draft order be the tomlin order or something else? I just looked at the previous letter from the court after the initial application hearing, im lucky they didnt attend and adjourned this because i didn't see or forgot there was a hearing on 7 september!! This things been going on for years now and ive just made it longer, i got confused, thought i would get another letter with a date. Had i attended and they didnt, would this have been struck out? Dammit, i've put the next date in my diary now though Anything i need be aware of or do now apart from make sure my WS and bundle are delivered on time and actually attend!?
  12. @unclebulgaria67 Thank you yes i understand that, im just trying to establish the weight and merit of the SB position in court and what your thoughts were as to whether this was SB or not. I was inclined to negotiate the tomlin but i cannot see how this is not SB based on their letter to me The main weight of the case rests against their letter to me that states my last deferment was in October 2008. My letter to them was dated 27 Oct 2014, which is 6+ years. I never previously acknowledged anything from them. I got a SAR from SLC. I think the SB comes down to a technicality on their behalf by admittance in their letter to me Once again thank you! after 9 years its understandable to have deliberations but i agree what is the purpose of their desire for a tomlin to reinstate an account which wont get them any money unless yet again they play underhand tactics like they did before. plus Andy pointed out errors in point 1, and also where was i supposed to sign? seems very odd I think SB stands NB. they have my email from the requested means of correspondence by the courts during covid, we had to email WS etc to the other party. So should i be responding you think to show some merit to the court, or is that irrelevant?
  13. Yes i did with my first response to their first letter to me in october 2014. i should amend that in my WS and put exact dates I guess what im asking is should i proceed with court or negotiate Tomlin? They have emailed me again today, i have until the 25th as this was when the court requested the pay for the hearing fees And either way should i reply? They have asked for me to confirm what i intend to do @dx100ukHmm yes i hear you, i agree doesn't make sense, maybe they are trying something on you're saying i go ahead with the SB? Should i reply to their recent email to me?
  14. @dx100uk 'their' letter to me stated my last deferment was October 2008, it is their own admission of this date, my last deferment in realty was probably 2013 to SLC yes indeed, as i was deferred at the time. But the letter from them in 2019 after i disputed their terms sent to me in October 2014, stated my last deferment was 2008 and as of 2016 my debt is now terminated. But so how have other 100's of 2013 cases proceeded? @unclebulgaria67 the letter from them just states October 2008. Dx is right they bought the debt in 2013, was assigned 27th march 2014 They wrote to me first time on 20th October 2014 with a new terms to sign and this is when i disputed. My first response to them disputing the new terms and forms and subsequently sending the original deferment form was 27th October 2014 i think this would therefore mean there was a clean 6 year period where there was as stated by them no communication. Their letter dated 19th jan 2019 states my loan terminated November 2016 (ignoring my letters precious) then states my last deferment was october 2008. So by their own admission thats an 8 year period Timeline: - assigned 27th march 2014 - letter from erudio with new terms sent 20th october 2014 - i disputed 27th october 2014 - continued to chase and dispute, ignored me - erudio replied in november 2019 saying my loan was terminated in 2016 and my last deferment was october 2008 - claim begins Seems SB? At the same time if not and i can get Tomlin terms altered i would be deferring until the loan expires anyway. In any case im not sure to proceed to court on not, would this just be down to the subjective opinion of a judge? Your advice would be appreciated Thanks again all correction: - erudio replied in 19th January 2019 saying my loan was terminated in November 2016 and my last deferment was october 2008
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