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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

heidda

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Everything posted by heidda

  1. heidda
    The latest letter mentions that from Sept 2016 Erudio will start to notify the CRA's. Read on another website that since they have sorted out historical paperwork they will start to contact CRA's. I'm undecided yet of how to move forward but if I did contact them and I offered them a settlement figure and they agreed could they mark my file as partially settled basically trashing my credit file anyway. Also, if the account is defaulted could they still chase me throught the courts for the debt?
  2. heidda
    Just recieved a letter today that since my acount was defaulted last year they now intend to notifiy the CRA's with my default. I have 28 days before this will be done. I have a few questions to ask and any advice would be great. Does this sound genuine that they will go ahead with this? I had a letter from Erudio last year that they would not be managing my account anymore after I defaulted and that it would be passed onto a DCA for collection. Can they still do this? They state on their website that the default can be avoided by paying in full within 28 days. The account would then be closed. Do you think I could offer a final settlement of a percentage of the value of loan and this would avoid a default. Or could they still mark my file with a partial settlement? If I do decide to contact them I only have a few weeks to do so. I know I should contact them by letter and never the phone but due to the short amount of time could I call them and record the call for evidence? Any advice would be great!
  3. heidda
    I have recently received a letter from Rossendales stating that I was overpaid working tax credit a few year ago and they demand the cash back asap. I spoke to HMRC 2 year ago about this and they said they would send me out an invoice each month so I could pay it back that way. I did suggest they just change my tax code and take it from my wages but they said they only do this as a last option. My question is can Rossendales mark my credit file? What rights do they have? I have tried to contact HMRC over this matter but not managed to get through up until now. I want to pay the money back but dont want to deal with Rossendales.
  4. heidda
    I have a query about probation periods. I started employment 10 month ago and was told the first 6 months are my probation period then I have to get signed off. I have still not had letter of confirmation that I have been signed off. Contacted HR and they said that they are waiting on signed probation form from my boss before I can access company benefits etc. My boss has contacted me once over this but did not reply to my email about a meeting. Where do i legally stand in this case? HR said there was no black marks against my name and no reason I should have failed my probation period. Also because I have past my first 6 month I should be fine. Can anyone give me any info?
  5. heidda
    Since this has now been transferred to Capquest. Can they add anything negative to my credit file? Windysock - What action did Capquest take against you in 2006? Thanks
  6. heidda
    What can I expect fromCapquest? Harrassment/Court procedings etc? I was still waiting from answer from Eurdio about a few disputes when they transfered my debt to Capquest. I have now been getting phone calls from them too. Don't know how they got my num. Any info would be great. Cheers
  7. heidda
    I received two letters. One from Erudio saying that Capquest debt recovery are now managing my account. I got a separate letter from Capquest (Same postcode on both envelopes of Huddersfield HD81DY) saying they are managing my account on behalf of Erudio and any future payments should be made to them although any direct debit or any continuous payment has been cancelled. Take it that means they a requesting the full amount! No mention of court action yet.
  8. heidda
    Just an update. Still not got a reply from Erudio regarding the mystery payment etc. Instead received a letter from Capquest who now own the debt. Anybody had any dealings with them? What problems can I expect with them? Thanks
  9. heidda
    Would a claim letter be hand delivered or sent by normal mail? Does anyone know?
  10. heidda
    How did the envelope look? Did it have any court stamps on it etc?
  11. heidda
    Abby, was the letter you received hand delivered from the court/solictors?
  12. heidda
    The £10 postal order was sent to the SLC for the SAR. Details of this are in post #59. The SLC received the recorded letter the following day but some how Eurdio have managed to to get their hands on this a short while later. The track and trace service from the post office said this was signed for by the SLC. Strange! I thought the SLC dealt with the SAR and not Erudio. It seems SLC have forwarded this onto Erudio. When I received the SAR several months later there was a letter stating the SAR had been sent to Eurdio minus the £10 postal order. Don't know if this was acccidently included. SLC apoligised for the delay and enclosed a differant cheque for a £10 refund for not complying to my request in time. I have details of the £10 postal order so going to contact the post office and see if they can tell me who cashed it.
  13. heidda
    Your reading of the situation is correct. I earn just above the threshold and cant afford to pay anything back at moment as my shifts haver been reduced at work. If it was the SLC they may be more understanding but I dont want to deal with Eurdio and their sneaky tactics. I have now received a Termination letter that I have attached. They now demand full payment. There no mention of being taking to court but the usual stuff of they may contact the CRA's etc. Has anyone else received these letters and does anyone know of anyone being taking to court? I can't seem to find any evidence of this unless that have had an outstanding decree from the SLC.
  14. heidda
    I last deferred my loan with the SLC around 2012 so won't be sb'd for a while yet. Since then only communication I have had with SLC or Erudio was the CCA and SAR request. I will send another letter today about the mystery payment.
  15. heidda
    Sorry for starting new thread. I should know better by now. Won't happen again. Yes, they did comply with the CCA's and I received all the ones which I had signed years ago. My first loan was taken out in 1997. I sent them a letter asking about a payment which appeared on my statement which I did not make but still no answer from them.
  16. heidda
    I have just received a Notice of Default letter from Eurdio. I have attached a PDF of both sides of this. It says that if I don't contact them and clear my arrears they may take me to court. Is this just one on Eurdios churned out threat letters? Has anyone else received this letter? I don't know whether to take it seriously and unsure what it means. Any info on the subject would be great.
  17. heidda

    MBNA and MAX Recovery

    heidda replied to heidda's topic in MBNA

    I have not read anything on this website about files being marked unless am looking in wrong places. Were can I find this evidence?
  18. heidda

    MBNA and MAX Recovery

    heidda replied to heidda's topic in MBNA

    From what I can gather they can't mark your file unless you sign that new deferment form which give them permission to trash your file. To be honest I have not seen any evidence of peoples files being marked.
  19. heidda
    I will be demanding that information from them shortly. Was waiting to see if they sent my CCA stuff first which I have now. Just have to check over it and compare to SAR.
  20. heidda
    I've not contacted them about those 'error' payments yet DX. Thats just Erudio sending me my CCA request stuff which I requested 1 year ago. It contains all my signed loan agreements etc.
  21. heidda

    MBNA and MAX Recovery

    heidda replied to heidda's topic in MBNA

    Yes. That is similar. Both will drop off next year so am not to bothered either. They must be able to mark my file becasue MBNA marked it previously. If MBNA hadnt marked my file I take it MAX recovery couldnt have.
  22. heidda

    MBNA and MAX Recovery

    heidda replied to heidda's topic in MBNA

    My file is marked from MBNA and MAX recovery in a seperate entry. I knew they could update it but not create a new entry.
  23. heidda
    I received my CCA stuff from Erudio a few days ago. It contains all my signed forms etc. Does this mean the debt can now be enforceable?
  24. heidda

    MBNA and MAX Recovery

    heidda replied to heidda's topic in MBNA

    I had to contact Max recovery to get them to change my default dates too. They changed them no problem. It's just why they are allowed to mark my file if they are not the OC.
  25. heidda

    MBNA and MAX Recovery

    heidda replied to heidda's topic in MBNA

    So how did they manage to mark my file? If they bought the debt from MBNA then they are not the OC. The defaults will be off my credit file in next year anyway but am just want to query how they can mark my file. Cheers

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