Jump to content

mishka muerte

Registered Users

Change your profile picture
  • Posts

    17
  • Joined

  • Last visited

Reputation

1 Neutral

Recent Profile Visitors

The recent visitors block is disabled and is not being shown to other users.

  1. Hi. Thanks for checking in with me. A lot of life (and death) has got in the way of my communication recently, so apologies for the tardy response. Im also ND, so these things can get tricky. I still havent received my SAR. Im still in 'arrears' according to them and my loan should have been scrapped 3 years ago now but still hasnt. Im still self employed and still earning well below the threshold. I have read a lot of the other forum posts and it confuses me quite a bit (if im being honest). I guess i will be deferring again next month. I wish i had studied law..
  2. I always sent the forms. On time, every time. I had no problems with the SLC. They (Erudio) must have acknowledged receiving my deferment claim at the time because they called to ask to send more details - those bank statements. The same ones they then ignored and did not accept as evidence of earnings (without informing me), hence the years worth of 'arrears' that accrued. In my previous complaint I accused them of deliberately putting me in arrears in order to claw some money from my sold loan. They completely refuted my claim and closed my complaint down. I have been informed by them that because i have alleged 'arrears' on my loan account I cannot close it down by means of the longevity clause (mine being 25 years after or when i turned 50). Its not a large amount of money to some people, but to me it is huge.
  3. Yes. I agree. At the time I spoke on the phone when they stated that, in Lieu of available tax returns, I could provide my bank statements for the last 3 months. I have no evidence of these conversations. Hence the removal of my phone number. Im still unsure how to get the darn thing ended though. My student debt is over 25 years old and im over 50, yet Im deferring forever..
  4. So, since my posting this the SAR info has requested my phone number (which i removed from their site in order to not be contacted that way again) and other details I can probably provide (but not all). The alleged default pertains to 2013-2014 I think. It might be the year later. I need the SAR to get a fix on the exact dates.
  5. Good morning CAG members , I am looking for a bit of advice and effective signposting with my Erudio student loan issue. I had 3 loans taken out from 1996 for 3 years of consecutive study. I successfully deferred every year due to never earning over the threshold with SLC but then Erudio took over and it all changed. I did not fully understand what was happening at the time and i received a large amount of paperwork to sign. I do not remember exactly what they sent or what i signed back then for Erudio (but I had recently had a baby and was at that time claiming Income support). After an issue with the IS, where I was in dispute with them over their appalling mathematics - which I won, so effectively was living off my savings (only £2000) for a short time. That same year I registered as self employed and began picking up work, still earning well under the repayment threshold. I have been SE ever since. It was during this year that the issue with Erudio began. I deferred with them within the appropriate timescale. They told me to submit my SE tax returns, but i hadnt been trading long enough for this. I spoke with them at length on the phone (I now know this is a rookie mistake). I was told that i could submit my bank statements as evidence of income and earnings in lieu of SE returns form. I did this. I also redacted some of the information because they didnt need to know everything i spent my money on (tesco shop, etc, boring and irrelevant spend stuff) as i felt they were already far too nosey on their forms. I heard nothing back after this and I also removed my landline number from their system (in order to force them to use paperwork instead of undocumentable phone calls). The next years deferment time they inform me that i was in arrears as i had not paid my loan for that year. No explanation, nothing. i continue to defer whilst putting in a complaint about it. I heard nothing back. Then i deferred again the next year and complained that my complaint had been ignored. They responded stating that they had investigated the issue and there is no complaint to uphold, brushing me off and stating that the arrears stand. I pass the age of 50 (and 25 years since my loan began) but Im told i cannot have it wiped off because i am in arrears. I then send an SAR to them to get the information i need to fight this further. This is responded to by asking me to confirm the details of my original loan. I cannot do this because its over 25 years ago. I contact SLC and asked them but they cannot give me this information either because its now with Erudio. I cannot get a straight answer from anyone. My SAR has not been honoured (this is over a year ago itself). I KNOW I sent all the required paperwork at the time for the deferment. I suspect they have mismanaged this, but without the paperwork or SAR information I am stuck still deferring this loan and having unjustified arrears continually thrust upon me. I cannot afford legal assistance on this, so what are my options please? (and thank you so very much for providing this forum which i can access in the first place).
  6. Im so sorry. My apologies to Stu007. I appreciate your time and input and expertise very much. So, thank you for that. For the other interest - I originally signed an agreement to swap tenancies - with all the internal fixtures and fittings 'as is' rather than be blank-slated as a new tenancy would, so no removal of carpets, replacing fire doors, etc. This also meant that we took on each others rental amounts, status & service charge amount. We had to pay for extra gas & electrical checks, but that is all. I havent signed any other tenancy agreement (none during the changes of stewardships), however when we were first 'swallowed' by a bigger HA they did try to get us to sign new tenancies at the time, to which we refused.
  7. Godmother, I adopted my friends tenancy when i moved in because we swapped. I then did not sign any 'new' tenancy agreements when our HA first changed hands. We looked into the details and realised we would be selling ourselves short in giving up our existing ones, so i assume they have just rolled over.. and without signing anything else, assumedly our existing original contracts stand.
  8. Thank you so much for your input and advice. Im going to talk with my lovely neighbour and draft up a formal complaint as set out above (by your sterling work, Jaycee113) but we shall sit on it for a while and see what transpires regarding the rubbish collection/ or if the HA was just threatening blowing hot air and actually does nothing. I also believe in not poking the bear. Im totally not looking for trouble with this, but feel much better prepared now if they decide to make something of it. We are very lucky to have a home with a big garden (thats listed so cant be developed on) and we are aware that ours is the only one left of several thats not been decanted and sold off to developers. My neighbours tenancy is nearly 40 years old and the rules of selling from under him have saved us! (but thats another thread for another day) and yet we often feel that they are itching to get us out so they can either sell or up the rents to full market value with new tenants on contracts with less rights.
  9. OK, to clarify in respect of the above questions.. The shed has been in situ for many years. It was purchased collectively by the tenant upstairs and the tenant that previously lived in my home (her half was gifted to me with the full consent of the upstairs neighbour & co owner). I 'asume' we have full responsibility for our shed (because the HA scaffolders broke a section of it a couple of years ago and it was not fixed by them). There is nothing in our tenancies that mentions a shed. It is made of wood and not attached to the property (Its meters away from the brickwork). The HA have changed hands 3 times since its erection. The shed was definitely already 'in-situ' when the awards were won. We have certificates (that used to be displayed internally in the shared hallway, but were taken down becuase of new fire regulation rules!). We didnt have tenancy magasines to recycle then. We do pay towards gardening services (in the last couple of years only). They do not use our shed. We pay this voluntarily, but are about to cancel that because they dont actally help with whats actually needed - keeping the (vast amounts of) ivy in check and tree surgery. They just cut the lawn and dont come near the shed space at all, nor have reason to. Its a large walled garden, no other neighbours can even see the shed, nor does it sit anywhere near the garden path (as an exit). Does that help? Thank you x
  10. Hi, Ive lived in my old house for a long time (my tenancy is over 20years old). Its separated into 3 flats, 1 on each floor. All this time we (myself and my upstairs tenant combined) have had a wooden garden shed in our large garden which is not attached to the property. The garden is around 20 meters long and we have taken pride in it (winning our city's best garden award previously). Our shed is used to store our garden tools, bicycles & paint - the usual stuff people keep in sheds). The issue we now have is that our housing officer has (at my request) arrived finally to address the issue of some leftover rubbish from a previous tenant. Instead of addressing this rubbish issue, she has told me that we are not allowed to have a shed at all because its not in their policy and that not complying is jeopardising my tenancy. Im confused and concerned by this development and want to know if we are now going to be forced to remove our shed. She also told us that we cant keep paint or equipment in the shed (So, what are they for then?). What is the legal duristiction with this? I can find nothing in my tenancy that covers this at all. Can we keep our shed? Any pointers, help or advice would be fabulous.
  11. Hi, So i received this first: Legal Team <[email protected]> To: XXXXXXXXXX (me) Dear Ms XXXXX, We are in receipt of your subject access request dated 04/03/2021 and would greatly appreciate confirmation as to whether you still require all documents. We note our Client has requested for your PCN to be cancelled and we can confirm this has been done with no further action being taken against you. Yours faithfully, Legal Team For and on behalf of Civil Enforcement Limited Then the next day i received this: Dear Ms XXXXXX, Further to our email below, please find attached copies of all correspondence in relation to PCN XXXXXXXXX along with the cancellation letter. Yours faithfully, Legal Team For and on behalf of Civil Enforcement Limited ** I will post the contents of the attachment as soon as i get a minute to redact all my personal details. Incidentally the exit picture they use is awful and couldnt work as evidence and there are several documents that i have never even seen before. Allegedly sent to me!
  12. The MCOL site stayed the same message. It did not recognise my login details (claim number). I have since received an email from CEL asking if i still wanted my SAR fulfilled seen as their client had dropped the case. I said yes anyways.. Thank you for all your advice. I will make a donation to the cause. I will also be reading up on this so much more, as i have more things to challenge (Erudio & DCBL) now and i feel a little less helpless/ hopeles with it, even though the jargon is still mostly gobbledygook.
  13. Hi, I registered with MCOL when i acknowledged the claim. Those same claim details are now not recognised on the MCOL site and wont give me access to anything. This is why i believe its been properly cancelled. The nice lady from Costcoooo called me back to verify that it had been stopped also. I hate to assume anything, but..
  14. Hi. Thank you for that. I went onto the MCOL site and it says: Claim number or password is incorrect. From this i assume that the whole thing is done and dusted. After doing some research, I found out that the wholesalers do actually own the land of their car park and they employ CEL to manage their car park on their behalf. I only got the 'fine' cancelled because i phoned up head office to ask why their local customer services would tell people enquiring about it that they dont know the landowner and get asked this a lot due to the tight car park controls. This being false information and that there is a specific person at the wholesalers (Costcooooo) who can stop the tickets in their tracks. Hmph! Now, to tackle DCBL and Erudio..
  15. Hi CAGgers, I just want to thank you for your time and your guidance with my case. Im still not really sure how it all works, but i gave it a shot and ive learned some new things. I also called the head office of the wholesalers to complain about the absurdity (and expense) of the situation. They put me through to a very nice lady who listened and the cancelled the whole darn claim. So this one, that has caused me so much stress, is over.. Now to read up some more. Ive got other issues to fightback. It never ends.. Cheers gang x
×
×
  • Create New...