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patterns

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Everything posted by patterns

  1. Update: Re: this thread and the credit card with Halifax Seems the letter has gone back to halifax as they have sent me a letter 'your up to date statement'. Strange so seems it has gone back to halifax from moorcroft. The letters print is quite poor quality so i googled the address and it brings us RosythDunfermline a debt recovery company (Recoveries, PO BOX 66, Rosyth, KY11 2WG), the number 08081450374 also refers to a debt collector. As i requested my CCA and SAR i shall not be responding to this letter unless someone advises to Thanks again
  2. Update: Lowell have now contacted me stating lowell solicitors are takign over, got a letter from them too, standard 'notice of acting'. As they failed to supply a proper CCA i shall not respond unless someone advises so Thanks
  3. Just a quick update: erudio sent a letter notifying transfer to drydens? bit odd seeing as they have already contacted me with 2 sets of PAP (as above posts), potentially just an automated system letter
  4. Hahaha sounds about right! Great ill see what happens next but yes i have sensed it go quiet.. last letter from drydens is they were supposed to come back to me and havent so far.. twice Thanks once again and ill report as soon as i hear anything
  5. Extremely sorry for the late reply here, i was away. Oh right? i wasnt aware at all thats how statute barred worked! i thought it was from the date of defaulting or arrears. So in this case what should be my next steps you think? Thank you once again
  6. Update! Received the same generic letter from drydens 'looking into it' as last time, they returned by £1 postal order RE CCA saying not applicable? Erudio replied telling me that they investigated the matter and that my last deferment was 2009! i dished out a letter from them stating my deferment ended in 2014! interesting... seeing as thats when all this kicked off as the whole reason behind this is they wouldn't accept my original SLC deferment. im tempted to send the proof of their letter stating the 2014 deferment ending, contradicting their letter stating 2009 was my
  7. Ok all ready to be sent off! Thanks again
  8. Hi Dx100Uk sorry for the late reply, Sure thing im doing the pap form right now again. Nope never sent payslips or anything. Only thing i have ever sent in the past to erudio is my original SLC deferment form, a CCA request and SAR request. And also re: post 16 a letter demanding that, which they sent a stupid non sensical reply to, which we ignored. This time i am planning to send the same letter re; post 16 demanding they give me my entitlement to my deferment, but to clarify shall i send another SLC deferment? and im signing the deferment correct? i think we agreed signing wa
  9. Hi Dx100Uk, you mentioned 'post 10 and post 16 refer' So ive drafted a letter to erudio, am i including the deferment again and payslips?
  10. Haha! oh dear im going to look for that thread now So i need to respond or not you think?
  11. Quick update. i drafted a letter to erudio re-post 16, thank you again dx100uk But also Drydens have sent me yet another PAP! Im presuming as its a PAP i must again respond? Either they are just automating this crap or they are ignoring the previous one and sending again
  12. Hi All, so update 2 separately posted letters received by Drydens: 1 - stating the client (erudio) confirms they never received any request for deferment since they took over the loan. Under the terms i can no longer defer and the full amount is repayable. if i dont pay in full by the 26th Nov i need to call and arrange a plan Strange considering this all initially started because they sent me their deferment which i didnt want to sign and sent the original. I have letters back and forth and complaints which they acknowledge and i have proof of these being sent, and of
  13. Thank you Dx100uk, last CCA was 2014 so probably worth doing again Cool will be posting off later today i think I'll no doubt report back with any update Thanks again!!!
  14. OK thanks, i have read that a few times just unclear on a couple things so i will NOT include deferment copies I WILL Tick box D Yes i did request my CCA from Erudio but what they sent me was microfiche copies with reconstitiuted T & C's , i did upload but i cant see where those pages have gone, however i have them. Also have SAR from SLC. So should i still request this again? i WILL tick box I and request I also require you to supply the following.. a copy of the Default Notice A copy of the Notice of Assignment A complete set of statements detailing exactly
  15. i am ready to send off the PAP form and reply. No CCA to be requested as agreed but wasnt sure about the following points to add. I have posted my response draft below. I will tick box D, and im pretty sure i dont need to send my income and financial statement forms or should i? i will be sending pages 10, 11, 12 and 13 signed with the below letter: _______________ I enclose the form requested to be returned. I bring your attention to that this debt is in dispute as I am not in arrears. My account should be deferred. I have been in correspon
  16. Ok great, thanks so much again! Im going to keep reading around for a few more days then draft up my PAP, ill post it here for you to check Cheers
  17. Thanks again DX100uk, just had a little browse, seems they are in very similar positions. i guess i also have grounds as these should have never gone to arrears, i havent writtem to FoS with a complaint, i see one of these posters has. Going to have a full read again in the morning, start at this PAP
  18. Update guys: Received a letter today from erudio saying the management of my debt has now been passed to drydensfarifax solciitors, which seems to be a sister arm of erudio from what i can see. I suppse i will receive a county court claim.... wondering how i should proceed/prepare? Just a recap, i never signed their new deferment or agreement and only ever sent the original one to them yearly, but my income is now above the deferment threshold. Thanks in advance Thought i would check the post and i have a letter from Drydens already - its a PAP form
  19. Thanks DX100, sorry for the late reply, i was away
  20. HI GUys, update: erudio have sent me a 'Remedy of Account' letter for each of my years student loans. It outlines my arrears for each account and period with an attached FCA 'Managing Arrears' leaflet. Should i reply? extremely annoyed at this i have sent them a deferment (original SL one only) every year
  21. Update: ok so seeing as there has been no further contributions, im going to send letters to both outlining what was discussed above. I would normally lean to ignore but seeing as they sent a PAP initially i feel its imprtant to send a response on record. I'll let you know how i get on
  22. You can read my thread and may help you webhedzvv, i wont try to advise as these guys are extremely knowledgeable i am not. However dont sign their new DAF, use the one on here for future, its in my thread. They did a similar thing to me and many if you have a google or on here, standard tactic because ultimately they bought the debt and are a DCA, and you may similar to me, be approaching the end of the 25 year period and they want to try and get as much money as they can. Keep a copy of everything, even your recorded delivery receipts. Doesnt sound like you have done
  23. Not 100% sure WarrenBuffet, seems the DCA industry is quite incestuous and very blurred lines who owns or relates to what company. They have different addresses though, whether directly connected or just work together im not sure. Ive tried researching this. All the same nonsense tbh. Im shocked erudio have been able to act this way when taking over students loans
  24. Thought you would say that hence i held off Once again thank you
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