no but I can probably find proof they knew my address at an earlier date or at least could have found it from SLC who had my updated address and are responsible for relaying any information to them. I also would have put my new address on the moneyclaim website when replying to the claim if the address was required. Maybe shouldn't have but didn't want to lie to a court! I read about a case being dismissed with Erudio a few years ago as they failed to make an appropriate effort to contact someone who had moved. Their defence was that Erudio knew their email and hadn't attempted to contact them or find their new address before cancelling their deferment. They were compensated by the FOC I think. Hopefully it will work for me. I know I've messed up and should have been more organised btw. Just trying to minimise the damage at this point. Appreciate the advice.

Andyorch. I have an email from claimant saying they know my current address from a month before the CCJ

paperwork: any letters sent by from court or debt company (which is owned by erudio). I received some of the early letters before the court date as we had them forwarded. Anything after that wasn't forwarded, just returned to sender by existing tenant at old address. They didn't inform us until a few days ago so I don't know exactly what letters were sent. I assume the court would've written to me there but I wouldv'e used my current address when filling out anything on the moneyclaim website. The email confirming my new address was from the SARS team at Erudio. HSL know my address Student Loan Company don't seem to pass info on to Erudio as last year Erudio still had an address from 7 years ago even though I'd been receiving and completing deferment forms at new address. Its supposed to be their duty to deal with all admin so I would only ever contact them to deal with any communication between Erudio or HSL.Then last year they didn't pass on my evidence to Erudio and even admitted on the phone that they should have done so. This is what caused the default in the first place. They now deny any responsibility.

I have an email from 22nd august when I requested an SAR from them. They asked for my full address. I told them it was updated to current address and they replied with Good afternoon, Thank you for your email. We have requested a copy of the Subject Access Request to be posted to you at the address of (new address) Kind regards SAT Team

I know. I messed up. sorry. I assumed they'd dropped it when I heard nothing back. The paperwork was sent to wrong address but I have proof they knew my current address. I've written to the court hopefully they'll help. Thanks for the advice

thats a coincidence that you posted this reply today. I just found out today that debt collectors have been visiting my previous address which is strange as I would've put current address on my defence form when I filled it out as per advice above. I haven't had any contact from the court since. Just trying to contact them now to find out whats going on. A CCJ is on my credit file dated 18th September. ffs

i hope so! the messiness of their notes in the SAR just makes it quite difficult to get a clear picture of everything just have to be careful how i word everything. Appreciate the help so far . Thank you

Which Court have you received the claim from ? County Court Business Centre NN1 2LH How many defendant's joint or self ? just myself Date of issue – 1st Aug 2023 Particulars of Claim What is the claim for – the reason they have issued the claim? 1.Claimant claims £2392 for monies due from defendant 2.Debt was pursuant to a regulated agreement between the defendant and the Student Loans Company Ltd . Each agreement has an individual account number as follows 99MCP... 3.Defendent failed to make payments as per the terms resulting in the agreement being terminated. Notice of such is served by a default or termination notice subject to terms of agreement 4. The debt was assigned to the claimant on 22/11/2013 with a notice provided to the defendant. A new master reference number was also applied upon assignment 5.Claimant has complied with the pre-action protocol for debt claims What is the total value of the claim? £2392 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Unsure Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes. Recently moved but post forwarded Did you inform the claimant of your change of address? No Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? No When did you enter into the original agreement before or after April 2007 ? No Do you recall how you entered into the agreement...On line /In branch/By post ? By post 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. Erudio is the claimant but Drydens Ltd address is there for payments Were you aware the account had been assigned – did you receive a Notice of Assignment? Give answer here 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? I was trying to get it reversed as it was a result of SLC not passing deferment to Erudio What was the date of your last payment? never Was there a dispute with the original creditor that remains unresolved? Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? I used resolver to communicate with them trying to understand why this has happened .......................... I have the copy of the agreement first made with Student loans before they sold the debt to erudio

Any advice would be really appreciated. My loans were sold to HSL and Erudio. SLC are responsible for administration and they have always sent the deferment to both companies. I was almost at the point where the loans would be written off I returned last year's deferment form but SLC then asked for evidence. When I sent the evidence they forwarded it to HSL who deferred my loan. Upon receiving letter saying loan was deferred I assumed it applied to all parts. Months later Erudio sent a letter saying I owed them the full amount. SLC originally told me I was supposed to have sent Erudio the evidence separately but now admit that they were responsible for forwarding to both parties. It took them a while to process and in that time my Erudio loan had defaulted. Erudio have now sent a claim form from the court via Drydens. I have uploaded a pic of the claim form and also segments of the SAR from SLC Can anyone offer any advice please? Thank you claimform+SLC sar notes.pdf