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Foxtrot77

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  1. I was under extreme stress with the circumstances being what they were. I am physically disabled and have ADHD. I was recently bereaved in the middle of a global pandemic so wasn't even able to see my family for support and I received the CCJ literally a couple of days before Christmas, they had sent it to the wrong address, so I was extremely under pressure. I did what I could do to help myself under the circumstances and have let you know what happened when I was able to, after a very long wait Erudio sent me a letter about 2 months ago saying my account would be closed and that
  2. Update to this post. Drydensfairfax started CCJ proceedings against me just before Xmas. I responded to the court and said that I wanted to defend the claim. I said that I believed my loan was statute barred, though I did take legal advice to use the correct terminology for the court. The court returned the claim to Drydensfairfax to try and get them to resolve it with me, and they then returned the account to Erudio who looked into it and then wrote to me to tell me that the loan was indeed statute barred and they have now closed down the account and I owe no
  3. I had drydensfairfax send me a County Court claim with the threat of a CCJ. I have replied to the court with my defence, this bought me an extra 14 days to respond. After I sent my defence online, the court wrote to me to say I have another 28 days to try and sort this out with drydensfairfax before the court proceedings. I'm guessing that if I contact them and request a payment plan then I might not get a CCJ. I've had no written contact with drydensfairfax or erudio since erudio took over the debt, but as I understand it, the loan is not definitely statute b
  4. Thank you, I'll try that. I'm not sure if my loan is at that stage but I guess it's worth a try. Do you mean for me to send it to drydensfairfax?
  5. I'm afraid I don't remember since they sold the loans to erudio, I haven't signed anything or sent any deferment forms I was very concerned about the new terms and conditions didn't want to agree to anything in writing without properly understanding what I was agreeing to. Since then I've only spoken to them on the phone. I've had no written correspondence with slc since 2014
  6. Thank you for your reply, yes I had to move a few times within a 2 year period so things got very stressful and confusing. I am settled now in my own place and hadn't had any correspondence from drydenfairax until now as they were sending letters to the wrong address! I moved here in 2015 but from 2013 - 2015 I had 4 different addresses
  7. Around the time that my student loan was sold to erudio I developed some severe health problems that have prevented me from working over the last five years. I have never sent erudio any written correspondence as I was severely unwell. I had to get a social worker to help me contact them, as they had told me that I'd lost the right to have my loan written off at age 50. My social worker asked if i could have the loan written off due to my disability but they refused on the basis that I couldn't prove I was disabled for life. Since then I have only had accoun
  8. Hi there, intrigued by this thread as I'm in a similar position. Around the time that my loan was sold to erudio I had some severe health problems that have prevented me from working over the last five years. I have never sent erudio any written correspondence as I was severely unwell. I had to get a social worker to help me contact them, as they had told me that I'd lost the right to have my loan written off at age 50. My social worker asked if i could have the loan written off due to my disability but they refused on the basis that I couldn't prove I
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