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). I have no idea what to do here. I'm not fully clued up on the logistics of the loans and can't remember exactly when they were taken out but if I graduated in 2002, the 1998-2002 seems about right. I've never earned the required £2200 or so a month and this was fine with the SLC and I'm not exactly making enough to make the sort of payments they would probably be looking for. The last thing I want are CCJs against me for this. The forms seem to be giving me the options of: Admitting the amount and want time to pay Admitting part of the amount Disputing the claim 28 days needed to prepare a defence. The forms didn't go to the address I've generally living at (but to my parents I used to live at) so I've got maybe 6-7 days now to do something. Any ideas what I should do? Whilst I don't mind paying them back if I have the funds to do so over time, why have they waited 16 years after my graduation in order to do anything?

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.

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.

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, the claim vested in the claimant who has a genuine commercial interest The defendant has been notified of the assignment by letter. Contact drydensfairfax solicitors What is the value of the claim? £1313 INCLUDING INTREST Is the claim for a current account (overdraft ) or credit/loan account or mobile phone account? LOAN When did you enter into the original agreement before or after 2007? AFTER 2007 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. Debt Purchaser has issued the claim Were you aware the account had been assigned – did you receive a Notice of Assignment? NO Did you receive a Default Notice from the original creditor? NO Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? Financial Difficulty What was the date of your last payment? October 2009 Was there a dispute with the original creditor that remains unresolved? NONE Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt mgt plan? YES FEB 2009 Guys hello! help needed i dont know how to tackle this one can someone please help me checked cra and its registered against me, need to know how to defend this one please im not sure if this will be SB

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. 3. By virtue of a sale agreement between Lloyd Banking Group and the claimant, the claim vested in the claimant who has a genuine commercial interest. The defendant has been notified of the assignment by letter. Contact drydensfairfax solicitors What is the value of the claim? £9100 including costs Is the claim for a current account (overdraft ) or credit/loan account or mobile phone account? Overdraft When did you enter into the original agreement before or after 2007? Before 2007 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. Debt Purchaser has issued the claim Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes 23/10/2013 Did you receive a Default Notice from the original creditor? 20 November 2008 Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? Financial Difficulty What was the date of your last payment? October 2008 Was there a dispute with the original creditor that remains unresolved? No other than excessive overdraft charges Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No I sent a CPR31.14 request to DrydenFairfax on 11 February 2015 Recorded Delivery I have disputed the claim and logged my intention on the Court Website 11-02-15 I had an Overdraft facility with Lloyds bank in 2006. Due to changes in my circumstances my borrowing began to spiral and the charges compounded the problem until it became unmanageable. I changed banking providers in order to get back on my feet. Although a number of DCA's sent letters and calls I always asked for CCA's which they could never seem to provide and they would disappear. However I have now been contacted by Drydenfairfax 16 January 2015 and a Summons followed which I received 06 February 2015. I do feel the charges were excessive and that is why I elected to defend the claim. I would just like some advice as what my next steps should be.

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 account Lowell had has now become statue barred-they recently passed this to Red collections so I hung on till it went SB and have now informed them. now..getting a few calls from leeds numbers I ignored over the past few weeks. Today get a letter from DF to say if no payment or arrangement by 11/2 they will commence legal action. I will be double checking regarding the SB date, but the default doesn't drop off till late 2013 and I believe the last payment to have been shortly before that, so not yet there. Other info total figure between 1k and 2k (don't want to give exact figures for obvious reasons). Plus the original account with capital one is currently with the FOS for the PPI (the adjudicator found in my favour, but CO won't pay up and want the ombudsman to take a look. Not sure this is relavent though as the account was sold to capital one in full. I am wondering if the CCA request still stands or do I need a fresh one? Not sure what route of attack to take on this one and would appreciate any advice. I am thinking contact to both L and DF and assume I take the line the CCA request is still not satisfied (from the FOS capital one have said there is no agreement and they now allege it was online only). Would appreciate any input of the best way to proceed. Ali x