Jump to content


Registered Users

Change your profile picture
  • Posts

  • Joined

  • Last visited

Everything posted by ElDiego10

  1. Hi Andy, Yes, have been on the website and submitted acknowledgement. So I'll probably go over some things this weekend, only thing is I'm not sure how much detail I should go into these! Is it a basic - point 1 I will counter with saying I was forced to remove from the course etc. Keeping it short and sweet? Thanks again!
  2. Have posted off the CPR first class recorded and signed for, have the receipt as well. Is my next step doing the defence now? Thanks
  3. Couldn't remember it, so I just put down CalderdaleCollege - it did say on the side its whatever I wanted it to be (so hopefully not detrimental!) I've done the CPR, will print it off and get it sent out tomorrow first class recorded delivery at work. Thanks.
  4. Thank you DX. Quick question - it does mention a counter claim, is that something I would do now or later on ? I'm thinking of putting something in for the fees that I paid, plus compensation for time/distress/mental health etc? Or would you not recommend that?
  5. Name of the Claimant ? Calderdale College Date of issue – 16/09/21 Date to acknowledge) = 04/10/21 date to submit defence = 18/10/21 Particulars of Claim What is the claim for – the reason they have issued the claim? 1.The Claimant claims the sum of £1042.50 in respect of tuition fees, details of which have been delivered to the Defendant. 2.Payment has not been made and the Claimant therefore claims – 1. The sum of £1042.50 being as to the sum due. 2. Costs. 3.The Claimant has complied with the Pre-Action Protocol for Debt Claims dated this 15/09/2021. 4.The Claimant claims interest under section 69 of the County Court Act 1984 at the rate of 8.00% a year from 30/05/2019 to 15/09/2021 on £1042.50 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £0.23. What is the total value of the claim? £1394.44 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes 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? Tuition Fees When did you enter into the original agreement before or after April 2007 ? After April 2007 Do you recall how you entered into the agreement...On line /In branch/By post ? At the college – signed paper. Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? No. 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. STA International Were you aware the account had been assigned – did you receive a Notice of Assignment? Received letters from STA International chasing debt. Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ? No Why did you cease payments? Was withdrawn by course tutor from the course. What was the date of your last payment? 29 March 2019 Was there a dispute with the original creditor that remains unresolved? Yes Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No
  6. Received a letter of claim today from county court. A little concerned now, thinking of maybe just paying it up and forgetting about it all? Will letter today. Here is the claim form. Thanks.
  7. So I just got another letter now that literally states "YOUR EARLIEST RESPONSE IS APPRECIATED" (at the top in green) and then, "Further to my previous letter, please call me now on X quoting reference number X - nothing else. Same routine, file and ignore!
  8. Thank you for opening the thread again. Just received a letter after 4 months. It is from STA - saying that I owe X amount and defaulted on paying the remaining DD's of X amount after withdrawing from the course and there is a indemnity stated full balance is due after 3 weeks on the course or more. It then goes onto say that they may pass it onto their solicitors to issue a claim. I will get a pic of the letter as soon as I can. I assume the normal route and advice on here is to ignore it and do nothing until a letter of claim comes my way? Thanks in advance.
  9. Ok - so I ignore and don't do anything right now? Just thinking if I inform STA of a dispute and ask them to stop? Of course - I will follow your advice to the tee. Thanks again! Much appreciated.
  10. No, at the bottom of the letter it says "should you not respond to this letter of claim within 60 days, we will instruct Brachers LLP to issue a claim" I've been thinking of maybe sending STA a letter against their conduct referencing the FCA Consumer Credit point 7.5.3 etc. But looking at the letters, its all from STA - not from Brachers LLP. If you look at the PDF I uploaded a few posts up, maybe you could shed some light on it? Thanks.
  11. Thanks. I'll do this and post it off asap. The letter was sent by STA - so am I sending them the form? Also - it seems they have changed solicitors and now use Branchers LLP. Thanks.
  12. Thanks for the reply. the reply form is exactly the same as in the thread. I tick BOX D and just write out what has been the gist of this thread? Is it better to include more information, including "refund policies" found on the college site which they are using for this? As I am not claiming a refund, my argument is that I paid up until the day I was withdrawn from the course as it is a quassi-contract. Is it worth taking pictures of all letters received from the college and attack them point by point? I have an email from a tutor saying that the tutor withdrew me from the course - do I attach that as well? The indemnity is unfair contract terms based on having to make a disadvantageous declaration. Can I put this in a document and send it to you? And do I then send this to STA? Thanks.
  13. First page uploaded. There are 12 pages all together, one is details of the debt, the other is a reply form - which I assume the advice is to ignore and do not reply? Thank you. page1.pdf
  14. Hi honeybee13 - yes, this is a continuation of the previous thread. If it can be merged/open up again that would be much appreciated! Thanks.
  15. Hi, This is a follow on from - STA International -chasing uni course fees debt - Page 2 - Students - Consumer Action Group - I am not sure how to post in the thread or who to contact. I'm a little stressed right now, but have received a letter from STA which is "the Pre-Action Protocol under the Civil Procedure Rules and the Practice Direction on Pre-Action Conduct). Its basically saying that I can either pay the debt, challenge it or if I don't do anything, they may refer it for court action. Any help/advice would be greatly appreciated.
  16. Hi just thought I'd update this. In these hard times one would think that the so called debt collectors would take a break! But nope, still trying to extort money from people. I've had the usual barrage of calls, number is blocked so just getting voice messages. I received a letter last month, it is a standard letter from the others I received, interesting that they have reverted backwards from sending one from their solicitors and saying they will proceed with legal action if I don't get back to them - I guess not! Not really worried or fussed about this anymore tbh. Just keeping this updated for anyone else in a similar situation. Hopefully when they go bust or get bored of calling me, I will have a closing post on this! Stay safe everyone!
  17. DX - just had a thought - is it worth emailing the college about the policy they are quoting in their letter? Or would you advice to leave it? If they do not send something, then that is in my favour (should it come to it) and if they do send something - I feel I'll be OK to distinguish it from myself. Also - having read the letter from hadfield carefully, their client is indeed STA, who cant do anything anyway.
  18. Thank you for your prompt reply! I'm not overly stressed about it, as you say and I know I have a strong case. When you put it like you have with regards to the college having to come out and other people - it seems more of a headache for the college to do that! I shall be back with the next round of updates should it come DX! You've been great.
  19. Thanks - will do! Just need some reassurance I guess. I have a list of some pointers I've made generally, so getting a skeleton argument up if needed wouldn't be much of a problem to come by. I'm just trying to think what points they are trying to make - doesn't seem to be anything that comes to mind? Unless someone here can come up and offer one - maybe I'm overthinking it though!
  20. Yeah - that's exactly what I stated on the letter - I have paid the money owed from the time I was on the course. This was sent to college upon first receiving it and I denied that there was any debt or money owed - since then I have not responded to anything. It was 2 year, as it was part time course. Not been there any previous years, was just from that time, in fact, I started slightly later than September - was around October I started. The way I have likened it is like a service for anything really - for example, contract for the internet, should the provider stop providing you internet for whatever reason, you stop your payments - as long as the period you was provided the service was paid for, that is fine. After the service was stopped - you don't owe anything as you are not receiving anything in return.
  • Create New...