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WindySock last won the day on November 26 2015

WindySock had the most liked content!


245 Excellent
  1. Formal complaint against Erudio, making it very clear that unless they * cancel any arrears they have falsely allocated against you account * confirm that they have cancel the entire loans under the age write off conditions that you will be taking a complaint to the FOS and seeking redress/compensation against Erudio. And may consider legal action for a specific performance to enforce your right to have the loan cancelled.
  2. If the judge is saying that more is needed than simply limitation, then they must agree with the WS paragraph 26 that the DN or termination being within 6 years of the claim issue means it is not statute barred. So you need to counter that in some way.
  3. Thesis is run by Link, so in reality it's been passed exactly no-where
  4. No. I'm saying that the only way they can stop you having it written off is if they should default/terminate the account before you get around to bringing the arrears up to date. Technically they would have a right to do that right now due to the arrears, but I don't think even Erudio are pushing their luck quite that far and evilly yet. If you get the arrears paid off without them having done that, then IMHO you are home and dry.
  5. 12. The lender will cancel the borrower’s liability to repay the loan if the borrower— (a) dies, (b) is not behind on any repayments under any agreement for a student loan and— (i) was under the age of 40 when his last agreement for a student loan was made and he reaches the age of 50 or when the last agreement for a student loan has been outstanding for not less than 25 years, whichever is the sooner, or (ii) was aged 40 or older when his last agreement for a student loan was made and he reaches the age of 60, or © if the borrower can show the lender that he gets a disability related benefit and because of his disability is permanently unfit for work.
  6. If you clear the arrears, and at that point they have not called in the loan in full by defaulting/terminating the account, then they are obliged in law to cancel the loans. They do not have a choice.
  7. Do that. They will mess you around for ever unless you keep pushing the complaint.
  8. Complain about the arrears and fees that are due to arrears that should not have existed or been applied? Complain that as the arrears and fees are not valid, then Erudio should have already cancelled the loan. Tell them you will be going to the FOS and reporting to the FCA if they dont sort it.
  9. Some judges will decide the clock starts from default/termination. An example http://www.consumeractiongroup.co.uk/forum/showthread.php?447033-PRA-Group-claimform-old-MBNA-card-debt&p=4776427&viewfull=1#post4776427
  10. There is likely some fault on both sides here. 1st Crud for not recognising that their trace search had thrown up the wrong person with that name, and Callcredit for accepting and making the match or link when something such as the initials are wrong and refusing your dispute. Need to complain to 1st Crud that it is their search that has caused the false link to be created, so you require them to contact Callcredit to tell them this. Make sure it's very clear to them that you have never lived where this person did, and that you cannot be the same person, and that unless they help you will be taking them to the FOS and reporting them to the ICO. Need to complaint to Callcredit that they have allowed a clearly false link to be made, and you dispute their claim that it is a 'proven' link. Require them to remove it or you will be taking them to the FOS or ICO. Giving both a kick up the bside from different directions should give the best change of someone somewhere pulling a finger out to sort it.
  11. Unless you can afford to pay of the arrears, nothing much you can do. Ball in their court. They may issue court proceedings. They may not. Roll of dice. Keep an eye on credit files as well to see if they go ahead on registering the default as the DPA NOT says. As said, have seen some before from these, so saying they can't or won't go ahead and do that is not always true.
  12. Not really, as there are only one of the 2 documents there now. The one above is still missing from that post. Both are below.
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