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  1. Apologise DX I thank you massively for your time and effort but just out of curiosity why have you so thoroughly helped me with this. ??. Why do I need to send them a statute barred letter if it is already barred???...i know you mentioned about this back door decree but how can that exist/come into play if the debt is barred. The only thing that changes is that now they will have my address if I correspond with them. This has kept me up all night worrying. (I had already sent them in an email attachment which was handwritten and signed in 2018). And why haven't they already done this backdoor decree when it had been nearly 3 years since they first contacted me. Do they just keep sending me statements in the hope that I one day pay or ????
  2. I am currently residing with a family member but should be moving in a couple of months therefore I will send your much appreciated letter then. As I don't want a family member starting to get post through from them. Out of curiosity how much success has there been with these letters? I am just now wondering if I did defer in 2012 and that they are trying to catch me out on the English 6 year (statute length). But as you said it's 5 years in Scotland. But surely they know those so therefore are they just chancing their luck?? And hoping I pay. what will happen with these other 2 loans??. On a final note. Will they dispute the statute and start sending threatening letters etc??. Or How will I know if my letter is successful will they confirm this in writing or will they just stop corresponding with me. many thanks for your help. I will definitely be sending you monetary thank you once (hopefully) this is resolved. You can guarantee it as this will be a massive weight off my mind.
  3. Hi DX.. I had moved once from the original student loans. This was updated to new address as I deferred for 10-12 years before I stopped contacting them. (As I thought student loans were covered in a trust deed but they aren't). So between either 2010-2012 no contact was made on my side until 2018 when I got this capquest email. But obviously they don't know my new address or they would have posted a letter to there. When I first heard from them. I let it sit for a bit then out of curiosity. I emailed them back but they wouldn't confirm anything over email. Unless I attached a hand written letter (which I unfortunately signed, but I never acknowledged the debt ) I think they were being sneaky there. After a few weeks I then received another email about a sign in portal (that shows the debt) I signed into this out if curiosity. And the rest you already know about. I don't like what you mean by. "I would like the client of capquest to be confirmed". I really appreciate this help. (Would it not be better to contact through email address rather than it all in open forum) Sorry I moved in 2015 to new address (but never informed anyone, as aforementioned I thought a trust deed encapsulated all my debt ) cheers Sorry typo. It's not I don't like what you mean by . It's I don't know what you mean by
  4. I'm not sure what you mean buddy (with erudio). I've had no dealings with erudio (unless they sent out letters which I never received). I've explained everything I got an email from Capquest in 2018 out the blue. I've moved house (since last deferment around 2010-2012 can't remember last year I deferred) no other correspondence or postal letters) i had 3 loans as per post( please read). 97 98 and 99 (it has a student loans reference but as stated can't cross reference it to what year it was as no paperwork ). And when I mean CCJ I mean decree. Cheers
  5. I'm not sure what you mean by correct names. I've already stated it's capquest. But can't they just then CCJ me if I don't pay anything. They first contacted me in 2018 nearly 3 years ago. Why did they buy the debt in the first place if it is non executable so to speak. Are you 100% sure on this. Apologies but this is my life here I can't just accept in someone's opinion. Many thanks. Can/will they just wreck my credit file then
  6. But they keep sending me out a monthly online statement (electronic). When I originally wrote to them (not acknowledging the debt ) does that make a difference. Cheers
  7. Sorry I might be vague on some parts you just never know who's snooping. I got emailed out of the blue about 3 years back from an unsaid company (I'm sure you have an idea) I had 3 Student loans 97.98.99. (Scottish). at first I didn't pay attention to it.(as I thought it was some spam company) Then I got a few more I then made the mistake of emailing with a signed letter (although no acknowledgement of the debt was given). One of these messages I received was a settlement offer (which has now been deleted off my file and no other has ever been offered) Then a short while latter I received information on sign in details to their site (as they wouldn't give information over the phone as I wouldn't give them my address) when I looked (signed in but nothing more than my email address). It was in fact and old student reference. (I don't have any paperwork on these old loans therefore I couldn't cross reference it ). I had been deferring from 99 till 2012 I think, as the salary cap was pretty high back then and I was always just under it. I had unfortunately gotten into a mess with debt circa 2010 and I had to enter into a trust deed (Scottish equiv to IVA) but thought this encapsulated student debt (which I later found out it didn't). between that deferring circa 2011-2012 until 2018 (when this said company contacted me) I hadn't made any contact with anyone. I think I paid one monthly payment in the entirety of these loans (possibly 2008-2010 unsure of date) as I was a week or 2 late in sending in my deferrment info. Now the questions. * Where do I stand on this, should I just keep ignoring this ( I am now receiving periodic account statements). *will they just eventually CCJ me. *Im sure they have been adding interest (can they do this ,isn't it suppose to coincide with the actual interest of the original loan). * should I ask for the original student load credit agreement *As they are only asking about one loan have the other 2 become statute barred..as I know there are diff rules pre 99. * how will this effect my credit file ( has it already). *Ive heard if I contact them about a settlement payment (possibly ask for the same original settlement they offered me it was around the 50% mark) if they agree then this gets marked on my file as settled but is still a problem. Could I ask it to be settled (but marked on my file as paid in full). Im just thinking as the debt is so old they would accept this. *if they don't want a settlement where do I stand. Apologise as this was pretty long. I was trying to think of every piece of info I could, so that anyone with sound advice had the full picture. I am currently unemployed. (But could possibly get helped in getting together some % of the settlement, if that is the a venue I decide to go down ). Many thanks in advance for any help given.
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