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Everything posted by Dayzy

  1. After going on the MCOL site and filling in the form as per below. It said Do Not file a defence, after doing this I didn't hear anything at all, therefore in reality there wasn't much to keep updated on until this new letter: pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] . register as an individual on the Gov't Gateway Site note down your details inc the long gateway number given, you might need it later. then log in to the MCOL Website . select respond to a claim and select the start AOS box. . then using the details required from the claimform . defend all leave jurisdiction unticked you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit MCOL. .. get a CCA Request running to the claimant https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant] ... .https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . on BOTH type your name ONLY Do Not sign anything . you DO NOT await the return of ANY paperwork you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]
  2. After not hearing anything from Drydens in months this arrived the other day. I have followed every step from the CAG thread...again they're somewhat vague and I'm not even sure what they have sent in proof is even evidence that I agreed to the loan maturing? drydens 9-9-2021.pdf
  3. Name of the Claimant ? Erudio student loans C/O WILMINGTON TRUST S P Date of issue – 06 May 2021 Particulars of Claim What is the claim for – Particulars of Claim 1. The Claimant claims E=M for monies due from the Defendant. 2. This debt was pursuant to a regulated agreement(s) between the Defendant and The Student Loans Company Limited. Each agreement had an individual account number as follows: 3. The Defendant failed to make payments as per the terms resulting in the agreement(s) being terminated. Notice of such is served by a Default or Termination Notice subject to the terms of the agreement(s). 4. The debt was assigned to the Claimant on 22/11/2013, with a notice provided to the Defendant. A new master reference number was also applied upon assignment. 5. The Claimant has complied with the Pre-Action Protocol for Debt Claims. What is the total value of the claim? 560.54 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? I do not know what this means Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? n/a Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? student loans When did you enter into the original agreement before or after April 2007 ? 1997? Do you recall how you entered into the agreement...On line /In branch/By post ? Via the Student loan company at university before the internet Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? I don't know Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. I was with the student loans company and they are still differing my loans and always have only Erudio have claimed I need to repay Were you aware the account had been assigned – did you receive a Notice of Assignment? I don't believe I did Did you receive a Default Notice from the original creditor? No the Student Loans company are still and always have deferred my loans Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ? I don not know Why did you cease payments? I don't think I have ever paid the student loans company What was the date of your last payment? n/a Was there a dispute with the original creditor that remains unresolved? I do not know Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? I do no know What you need to do now. Answer the questions above If you have not already done so – send a CCA request to the claimant for a copy of your agreement (If Applicable) I have done everything this thread has asked me to do and have always had my letter returned with the £1 I was told to post
  4. So I've done all of the above...They just kept sending the letters and the postal order back with a comps slip and now this has come Is this an official court form or this still part of the scam? Drydens_court_letter.pdf
  5. This is really dragging out now and starting to cause ill health So all the steps advised by the CAG have been followed I sent the Template Letter with the £1 Postal Order and they have now sent a Court Letter out. I'm just feeling so trapped by it I can only think about getting a credit card to pay them the £500 and stop them sending letters DDFF_REDACTED.pdf I've no idea...I was under the impression Student Loans were cancelled when you got to 40. I've just Sent my SLC my deferment letters once again and they seem to be Above Board...One would have thought that never ever having earned enough to go into the repayment threshold since getting my Loans in the 1990's that they would see a correlation and realise I'm never going to earn enough to start paying them back.
  6. Dryden replied and have said the documents are available but they can't send them instead I have to log onto their website. Scan copy.pdf
  7. Hello there! an update and a further question for you please.. Letter was sent back to Drydens Fairfax within the 30 days disputing the claim due to student loans deferring the loans each year. Received a letter from Drydens on 11/12 acknowledging the letter, saying that the account had been put on a temporary hold whilst they contact their client with details of the query and that they will inform us as soon as a response is recieved from their client. Then yesterday another letter of claim arrives, exactly the same as the one they sent in Nov, with no response to the letter we sent back to them in response to the previous letter of claim that they sent in Nov. Do we just need to send another response back as we sent in Nov? What are they playing at? SLC never replied to the SAR that we sent off in Nov either. Thanks again for your help with this.
  8. Hey there DX. Please can you help with the reply to Erudio? We haven’t had anything back from SLC yet and it’s getting close to the 30days, I’d like to get something sent off to them if poss. thanks so much for your help.
  9. Hello. Yes we deferred this year and sent a copy of the doc deferment to erudio. Deferment was accepted by slc, didn’t request an SAR, must have overlooked that.
  10. Hello all. Please can you have a look at this letter that was received today. Please can you let me know how to proceed? Doc 11-02-2020 12-06-08.pdf
  11. Thanks DX. Is it just another fishing letter? Will a letter of claim be titled that? I doubt that for a measly £500 it’s worth their bother to try and make a claim is it??
  12. Thanks Andy! Update on this thread. We ignored letters sent in Feb as kindly advised by DX. So we have recently received this letter from Drydens Fairfax Demanding payment of the loan by 29/10. however all loans have been deferred each year. Not sure what to do next. Any advice would be great fully received! Thanks so much! Doc 10-22-2020 17-35-02.pdf
  13. Hello there. update to my previous post last year, if you can offer advice I would be greatful. My partner received the attached letter a couple of days ago, his student loans have always been deferred. We received a letter a few months ago saying that his loan was now with Capquest, which we ignored, then this one appeared saying the account had been handed over to their solicitors Dryden Fairfax. Do we need to do anything? Shall I send a letter Disputing that we owe money as the debt is always deferred due to earnings or just ignore it?? I can’t see that erudio would try for a CCJ for this small amount?? Am I correct?? thanks for your help.
  14. Ok thanks DX point taken. I will ignore them then and come back for further advice if we hear more. and in the mean time i will try and stop stressing about it all!
  15. Hi Dx, Thanks for the advice, if i don't reply to them, what is likely to happen next? Do I need to send them an SAR to see what information they have regarding deferment?
  16. Hi all, Please can you advise me on how to write a letter/ email to Erudio to get them to back off? I ignored the Demand in full letter that they sent on 26/1 as advised, however i arrived home yesterday to a Notification of Termination Letter yesterday, demanding payment or a payment plan with the threat of the account being referred to their preferred DCA if i don't. I feel that i need to write to them to complain in case i need to send this to the financial ombudsman, but am not sure how to word the letter. are there any templates that you would suggest i use? Just to recap. 1. March 18 Erudio called out of the blue to say the account was matured and demanded payment. I requested this be sent in writing with a statement of account. They didn't send anything. 2. July 18 letter received from Erudio saying that they refuse to accept deferment after SLC had recently accepted deferment for loans with Erudio and Thesis. 3. I made a complaint to Erudio regarding lack of communication in writing, lack of response to my request for statement of accounts. Also the stress this was causing us. Erudio said that they would need to get a history of deferment from SLC and make a decision. Again i asked for this in writing, they didn't respond. 4. Sept 18. Erudio send a statement of account from 1/9/17-31/8/18 no mention of any arrears on there or further request for payment. 5. Sept 18 Receive a letter and cheque for £100 from Erudio in full and final settlement of the complaint, no details regarding the complaint at all. No mention of a need to pay the loan back. Considered everything resolved for the year and pocketed the cash 6. Jan 19 the cycle begins again... So i'd really like them to back off. How would you suggest i respond? any templates would be great thanks..
  17. Thanks dx100uk. He deferred through SLC, who sent confirmation of the deferment, but Erudio disputed this, saying that they weren't accepting it, which is why i complained to them. I have never had anything in writing from them saying that they have accepted the deferment, just the full and final settlement of the complaint letter. Which i assumed meant that they had agreed to the deferment etc. My question is, what is likely to happen if we ignore this letter and don't respond within the 14 days? what will happen next? thanks again..
  18. Hello there. an update and further request for help. Thanks for all the help you gave me last year. in early Aug 2018 i had made a complaint on the phone regarding the mishandling of my partners account, refusal to accept the SLC's deferment, and demands for payment, general hassling and lack of information being sent by post as i had requested. (unfortunately and yes stupidly on the phone) We heard nothing more for several weeks, other than a letter saying that they were looking into the complaint. Then my partner was sent a cheque for £100 in full and final settlement of his complaint. It didn't give any detail, or response to the complaint, just the cheque and a very short sentence saying the cheque was in full and final settlement of the complaint. This was last October. We assumed that this was all resolved and that we would just need to defer again when the time came. Skip forward to today. He has received a Demand In Full letter from Erudio today again saying that the loan has now matured and that the outstanding balance of £533.47 is now due in full. They go on to say that as a consequence all contractual rights have been terminated including; The ability to defer the loan; the right of cancellation of debt upon reaching 50 years of age; the right of cancellation of the debt after it has been outstanding for 25 years. it ends asking us to call them to discuss repayment within 14 days to prevent the account being passed to a DCA. Please can you advise me how to proceed? i obviously know now not to ring them, but how do i get them off our back? thanks so much for your help in advance.
  19. Thanks so much for the advice, guess we are just scared that they will send bailiffs round, or OH will get a bad credit rating, also worries that they may be adding arears to the loan without us knowing as they haven’t sent a breakdown of the account as requested. We will ignore letters then and wait and see what happens...��
  20. Thanks so much for the advice but Erudio say that the loan has reached maturity due to the deferment being late, the deferment process took 4 months due to SLC being difficult about my partners new self employment status, lack of tax return due to being newly self employed, thesis understood this and said not to worry, however Erudio have been saying the the loan needs repaying now. What can they be requesting from the SLC in regards to deferment history and can they refuse to allow deferment? Also What happens if we don’t complete the income and expenditure form within the next 30 days as requested?? They haven’t sent any breakdown of the loan, or mentioned any areers, just sent a letter with the loan balance on the top. Thanks so much for any advice, we really appreciate it as it seems that these clowns are trying to make things very difficult and confusing!
  21. Thanks Dx. But the student loans company have already accepted deferment for the Erudio LoanS, but Erudio are now saying that they won’t accept the deferment as the loan has matured? They said that they are going to ask for a deferment history from the SLC, and have sent an income and expenditure form for my partner to complete. I don’t understand why they have sent this if they are requesting history from SLC? I don’t know how to respond!!
  22. Thanks @renegadeimp they have now sent letters, but they originally phoned in March and I requested communication in writing then, however we didn’t receive anything until last week after we have received confirmation of deferment from student loans company for the loans. Then Erudio wrote to say that deferment was rejected as the loan had matured!
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