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PumpUpTheVolume

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  1. The judgment was sent to an old address. Drydens sent all correspondence via a paginated email. The letter sent after they were granted judgment merely asks that I “provide a proposal to repay the debt” There has never been a request for payment in full. Px
  2. Thanks Andy. There is an outstanding amount showing in Drydens online portal but as yet I've not received anything in writing or email. I was concerned I hadn't heard anything for two weeks since the hearing, I'm also eager to get a payment plan in place so I can get on with my life. I'll sit tight until I hear from them in that case. Many thanks, Px
  3. Thank you. So does varying come under the tick box 'I wish to apply fo a reduction in the instalment order'? It seems odd to request such a thing when I haven't received said order. Cheers, Px
  4. Thanks Andy. Do you have any idea what the 'local number' relates to at the top of the N245 form please? No amount of web/forum trawling has produced an answer! Many thanks, Px ...also, I have not received a judgement order, there is no tick box for my request to pay what I can afford, only: suspension of the warrant and/or a reduction in the instalment order I'm really not sure how to proceed! Please help! Many thanks, Px
  5. I’ve not received anything since losing my case 13 days ago today. Do I send an N254 to the court? Cheers, Px
  6. Evening, I can't afford to pay the £2500 so I went to set up a payment plan on Drydens customer portal. I started to fill in the standard financial statement but it asks about my partners income and vehicles in the household. I'm happy to disclose my own finances, not my partners. Is there a better route or do I need to comply? Cheers, Px
  7. Hearing done. I lost. Judge deemed Erudios DN date sufficient cause of action. Also, my delay on responding went against me. A win for Drydens. Many thanks for your help though guys. I’m off to a festival now, time to forgot about this whole debacle! Px
  8. Thanks Andy, that is helpful. I have been trying to find some concrete information on when the clock starts, no success! Do you have any links or examples I can draw from? Regards, Px Hi Dx, National debt helpline say: “The cause of action (when the limitation period starts running) for simple contract debts is usually when your agreement says the creditor is able to take court action against you. With some agreements, this will be after a default notice has been sent to you and then expired.” I can’t find any reference to when a breach has occurred on my SLC contract. Do you have something I can reference? Regard, Px
  9. Ok cool. In that case I’ll tidy up that statement and hope the judge doesn’t fall for Drydens bull! Hopefully they’ll allow me to submit tomorrow.
  10. Exactly. I just don’t know how to defend the point in my hearing. I’ve read the limitations act and consumer credit act and I can’t find a concise definition on when the clock starts. As Andy says, it’s a grey area!
  11. My 96 loan deferment period ended on 24/03/2014. It took Erudio 3 years and 4 days to issue a default notice!
  12. I had also mentioned that Erudio and Drydens made no attempt to contact me at my address registered with the SLC at the time, all correspondence was sent to a an address I hadn't lived at for over 10 years. I'd kept my addresses up to date with the SLC. I thought this would be a good 2nd line of defence. I believe Badgergirls hearing hung on a similar point and SB claim was ignored. Px
  13. Thanks Andy, and thank you Dx. Is this for me to ask in the hearing or do I see if the court will accept an additional statement at this late hour? Px
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