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cw1212

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About cw1212

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  1. Ok thanks so this is weird they sent the claim to my mum but the address when do defence is my current address. All done now although I am scared I have totally messed up. I just Copied and pasted the SB defence did not put anything else. I guess now I just wait. Thank you for all the help.
  2. Thank you, almost done but now am on the Service details page and there is no edit button I want to use my mums address. I don't even remember putting my address in.
  3. Sorry to come back with stupid questions, I found this post about filing a SB defence. Is this suitable for me to use ? 1 The Claimant's claim was issued on (insert date). 2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980. If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant. 3 The Claimant's claim to be entitled to payment of £[insert figure from their POC] or any other sum, or relief of any kind is denied.
  4. Sorry a couple of questions. 1. I was in such a panic to do the AOS I missed the post about filing an SB defence I can obviously still do that I know but can you only file 1 defence or can you add to it up to the deadline? 2 What am I looking for in the papers I have requested from Erudio & Drydens?
  5. I have done the MCOL bit and will get on to the rest right away. There is a slight spanner in the works. I have definitely made no contact with Erudio since I tried to defer in 2014 but I just found some stuff I have (statements, payment demands) and that came to my current address (which I only moved to in Dec 2015) so how did they get this, I am 99.999% sure dates I have quoted above are correct and plus I never changed my address with student loans because I move so much so think be unlikely I would have informed Erudio. Should I do a SAR and if so who to?
  6. Thank you. So on the claim form do I just complete the acknowledgement of service bit?
  7. Oh I thought because I tried to defer in 2014, that was the date for statute barring so assumed 2020
  8. I found this post from May 2014 that I put on another forum I'm in a total panic regarding this now, I sent my app for deferment back weeks ago- got a reply this week saying i hadn't signed the form but they haven't enclosed what I sent just sent a new form. I would have sent the stuff referenced above early/ mid April 2014 Of course, I don't remember if I sorted that out. I know the last time I successfully deferred would have been early 2013
  9. Name of the Claimant ? Erudio student loans limited Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 3 June Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) - ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total Particulars of Claim What is the claim for – the reason they have issued the claim? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down. the claimant claims £9725 for monies due from the defendant. 2. the debt was pursuant to a regulated agreement(s) between the defendant and the student loans compnay limited Each agreement had individual account number as follows (they are then listed) 3. the defendant failed to make payments as per the terms resulting in the agreements 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 (number quoted) 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? £9725 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ?i don't know. i got a letter dated 3 June from drydens saying a county court claim has been issued. Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? yes and no I have moved but stil get post from address claim went to Did you inform the claimant of your change of address? no Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? no When did you enter into the original agreement before or after April 2007 ? before Do you recall how you entered into the agreement...On line /In branch/By post ? n/a 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 don't know Were you aware the account had been assigned – did you receive a Notice of Assignment? I don't know Did you receive a Default Notice from the original creditor? Not sure Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? I don't know Why did you cease payments? Student loan I was deferring until 2013 tried to do it in 2014 and don't think was successful What was the date of your last payment? n/a Was there a dispute with the original creditor that remains unresolved? n/a Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? I have not spoken to anybody 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 I have tried to answer as best I can. Does this CCA thing still apply with student loans?
  10. No it's a claim from Northampton County court. I left my address for student loans as my mums that's where this claim form went however I am also getting stuff from Erudio to my home address. Regarding the same loans. I don't think I have a leg to stand on as I ignored all their correspondence though? Last deferred that I definitely know was successful was 2013. No I have never contacted them a combination of fear and confusion. I'll take a look through other threads see if I can find anything about anyone in same boat as me - I'm feeling rather alone at the moment.
  11. I am really stressing. I had 4 loans (94.95,96,97) I was deferring fine until about 2014 when Erudio took over then It all messed up with deferring then started ignoring everything they sent (I know this was stupid) Now I have received a letter in the post from Drydens claiming nearly 10k (so interest has nearly doubled what I owe) I still don't earn anywhere near the threshold. It isn't 6 years since I last acknowledged so I can't statute bar. I'm sorry if this isn't very clear.
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