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Found 8 results

  1. I graduated back in 2002. I know after that, the Student Loans Company sent me deferment forms which were filled in and accepted. Erudio took these over years ago and I have never received any deferment forms from them, or any way of doing so. I've made no payments or, as far as I'm aware, acknowledged anything with them. The other day, 3 brown envelopes arrived from Northampton. Opened one and it was a County Court business centre claim form for £2400ish against me from Erudio / Drydens. (Letters from Drymens telling me that I would receive court papers arrived a few days later).
  2. Hi Got the Northampton Bulk Centre Claim form from the above , but I noticed on the Particulars of Claim, it states the following :- "The claim is in the sum of *** in respect of monies owing by the defendant on a credit agreement regulated by the Consumer Credit Act 1974, originally taken with Three Mobile, under account number *******. The defendant failed to maintain the contractual payments in respect of the agreement and a default notice has been served upon the defendant and not complied with." Correct me if I'm wrong, but I was under the impression
  3. Hi Can anyone point me to a short but sweet letter to use for all 3 CRAs to give them a chance to remove wrongful/incorrect defaults from my reports? Thanks in advance.
  4. Hi, I've been paying Dryden's for an old Barclaycard debt every month for the past 6 months and today received a claimform request for this account from Cabot asking me to send all correspondence to Dryden's.. .I don't understand why when I've been paying them the agreed monthly amount and this has come out of the blue! Should I phone and ask why? Or just send the CCJ for back? All help great fully received.
  5. Hello All, Name of Claimant: Capquest Investments Limited Date of issue – 12/02/2015 Defence – NOT YET SUBMITTED What is the claim for – the reason they have issued the claim? The claim is for the sum of £13K in respect of monies owing by the defendant on a credit agreement held by the defendant with Lloyd Banking Group under account xxxx Upon which the defendant failed to maintain payments. 2. A default notice was served upon the defendant and has not been complied with. 3. By virtue of a sale agreement between Lloyd Banking Group and the claimant
  6. Hello All, Name of Claimant: Capquest Investments Limited Date of issue – 03 February 2015 Acknowledge By – 21 February Defence – 07 March - yes file by 4pm (Are my dates correct?)^^ What is the claim for – the reason they have issued the claim? The claim is for the sum of £8600 in respect of monies owing by the defendant on a credit agreement held by the defendant with Lloyds Banking Group under account xxxx Upon which the defendant failed to maintain payments. 2. A default notice was served upon the defendant and has not been complied with.
  7. I've got an open thread about the above on the Legal Issues board and I've asked this same question there, so sorry to take up too much space. But there's a question I wanted to ask about the CCA, and that aspect might be more appropriate on this board. Dryden's have just submitted on a court claim that the alleged mobile contract falls under Consumer Credit Act 1974 (I already know that it doesn't). This is interesting, because according to the OFT Public Register, Three Mobile didn't have a consumer credit licence between 2008 and 2012, and haven't had a licence to do debt co
  8. the above defaulted account was sold onto Lowell a few years ago. At that point I served them with a CCA for which they could only provide a "made up" application I wrote pointing out they were in default of the CCA and that as they failed to provide an original application I could only conclude they didn't hold one I therefore considered the account to be in permanent dispute (all this done with the brilliant info on this site). All went quiet with them and alonside other accounts in default of CCA requests I was waiting for the 6 years to pass. The other old acco
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