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  1. Hi, I've tried to have a good look through the website, which has always been a great help over the years (thank you so much!!) but I just need to clarify a few things before I end up doing something stupid. I had the old mortgage style student loans with the Student Loans Company back in 1993 and 1994, and deferred them over the years due to low income and poor mental health. I don't know if I'm remembering right but I think the last time I acknowledged the debt and tried to defer again was 2012 or 2013 (not a good year personally, don't remember much). Fast forward a few ye
  2. Hi My wife has received a Pre-Action Protocol for Debt Claims from Drydensfairfax, for an old debt from 1998 at an old address. Arrow recently started sending letters to our new address and continued despite being returned as not known at address. They now appear to be instigating court proceedings. Unfortunately I expect this is not outside the statute of limitations as I have been paying £1 per month by standing order since she defaulted in around 2000/2001 (from my account not hers). Whilst she is working, she is not in a position to pay it off as she is currently just mana
  3. I have just discovered this site and forums, and fear I have made a terrible hash of dealing with Erudio with regard to my own and my husband's old Student loans (My own: 1 from 1990 (unsigned by SLC) for £420 but due to 9.8% interest (!!!!) now over £800 and really should have been written off had Erudio not been involved; and my husband's: 4 from 1993, 1994, 1995 and 1996 respectively and over £5,000). We had been happily deferring re-payment of these loans over the years until Erudio took over. The first inkling that we had that they had been sold to a bunch of debt collector
  4. I will start with possibly the easiest question first - I got a letter from drydensfairfax regarding an unsecured loan I still owe money on, this goes back to 2008, I think. I have paid half of the original loan. Former partner is on the loan too. I was paying it back to avoid trouble, as you do. I then had two companies chasing me at the same time, Moorcroft and someone else. Naïve, I rang Santander who said they would clarify. Then ex put the loan into dispute, for his half, so naturally, I wasn't able to pay. The dispute was settled not in his favour
  5. Hello All, I'm not sure where to ask this question so move it if it's in the wrong place. I have a defaulted account with Capital One (last payment 1/10/10) it has now been bough by Cabot and the have re defaulted it from 1/11/15. Is the correct and ok to do? I know Cabot are diddley so want to be sure? Surely if it was already default, they can't re default it?? Thank you for your help
  6. I have been in writing to Drydensfairfax Solicitors back in March 2016. They are acting on behalf of their client Max Recovery Limited who purchased a debt. I had previously asked them for a credit agreement and copy of the deed of assignment. Back in March 2016, they wrote to me in reply. They provided me with a basic office copy of a credit agreement. They claimed that their client, Max Recovery, had provided them with a copy deed of assignment, and that they had attached this to the document for my perusal. Upon checking the documentation, this assignment was n
  7. Hi, I've just received a very worrying letter from Drydensfairfax Solicitors telling me they will take me to court on behalf of Erudio if I don't contact them within a few days. Can they do this? The debt is from when I was a student in 1996, from The Student Loan Company. I haven't corresponded with The Student Loans Company since 2011. I asked for a complete breakdown of what they think I owe them using the Data Protection Act and the numbers they produced were incorrect! The amount owed was wrong in all their correspondence, it bore no relation to the nu
  8. Help please. I'd like to ask about Drydensfairfax but, can't see where to start a new thread.
  9. Hello I see that there are a few new threads on here regarding county court papers filed by the DCA companies I have jus received one in the post today from Arrow global with regards to an old 02 account for £473.53 Date of default 8/10/2011 This account will be statute barred in Nov of this year I now have to defend it, so what would be my best response please This o2 debt has been passed around a couple of DCA in the past 5 years and 6 months Thank you
  10. Hi, I am just wondering if anyone can advice me on what to do. I took out a student loan while at uni during the 1997-2001. I cannot remember paying or not paying towards the loan. As I understood it if you are earning £2318 or less per month (as stated on the letter sent to me by honour student) you can defer payment. I was made redundant in November 2010 and I am now self employed since January 2012. So I have not been responding to their letters for the past 6 years or so as I am not earning close to that amount. I received a CCJ document through the post on
  11. Hi, I am hoping to get some advice following a letter i received from Drysdenfairfax Solicitors at the end of July. I took out a student loan for 3 years while at university finishing in 1997. I cannot remember whether all of my student loan payments were completed against the loan amount as it was such a long time ago (20 years!!). However, I have had no contact with the Student Loans Company, Erudio or any debt agency about this for at least 10 years nor have they tried to contact me. I received a letter now from Drydensfairfax Solicitors saying that their records show
  12. Brief history; Obtained two student loans in around 1993 and 1995 on the "old" mortgage style agreement. Paid some of the loans back and then moved to Ireland around 1997 where I continued to pay money back. However, ultimately my wages dropped, and moving house a few times I contacted them to update my address and request deferment forms. None were ever received. Tried contact a few more times with no success, then moved again and in the way of things got on with my life. After around 5 years in Ireland I moved back to the UK in 2002 before heading off to A
  13. Hello Everyone, It all bagan when i received a letter from drydeensfairfax solicitors dated 29 February 2016 in regards to debt owed to Lloyds Banking Group. They said they are acting on behalf of Capquest investments Limited for an outstanding amount of £23926.23, i've enclosed all correspondence between me and them to help you guys understand, as i do not have very good education to be able to write very well. The Account number from the solicitors and the account number from capquest are different, the CCA sent is from Hailfax insted of Lloyds Bank, and the statement had no l
  14. Hi All My husband has been made redundant and as such I have contacted all of my creditors to inform them that I’m only able to make token payments until we are back on our feet. I intend to start a thread for each of the institutions as they begin to communicate with me, all of the creditors have been provided with details of my earnings and our outgoings. NatWest have sent me a Formal notice of intention to file a default and to take action to recover debt, I also received a Default Notice in the same envelope dated 15th July 2010 which I only received today 20th July 2010, both o
  15. I've received a claim form (infortunately at an address I own but do not live at so i have very little time to respond). The particulars are: The Claimant's claim is for the sum of 3***.** due under loan agreements between claimant (including predecessors in title) and the Defendant dated between 26/11/1996 and 10/11/1998 regulated by the Consumer Credit Act 1974. The Defendant has failed to make repayments under the loans and failed to comply with the Default Notice Served under section 87(1) on 26/04/2006. And the claimant claims 1. The su
  16. Hi all There seems to be a glitch in the other sub forum i wanted to post in so posting in here I was wondering if anyone has had any success with asking the creditor who issued the CCJ that if i agree to pay will they agree to the set aside. Just a bit of background: (short and sweet) was issued this back in Nov 14, i never received the original claim but received the default CCJ. After some research i understand this cant be a reason to have the CCJ set aside by going down the normal route. I'm still very new as to what to do to be honest many thanks for taking the
  17. Hi, I have been a member of CAG for years and have used your excellent advice to claim back bank charges back in the day. unfortunately i have an issue which needs a little more tailoring. i have received a court claim dated 24th November from Drydensfairfax solicitors / Cabot Financial for a very old (July 2006) Premier Man account. If i remember correctly (need to dig out all the paperwork) but this was a small debt I must admit i should have dealt with this many years ago but i guess i hoped it would go away if ignored. i have kept all the paperwork but do not have a default
  18. Hi all, I need some help re my problem. I am now at the stage where Morgan Solicitors are threatening that if I do not contact them with an offer of payment on the Charging Order on my property, they will apply for an order of sale. A bit of history..... I have never responded to any letters or proceedings (my fault, nasty divorce and burying head in sand). Can I start the original process of CCA, then SAR, then CPR? If so, could it work at this stage should no-one have the requested documents? Please advise and many thanks.
  19. I’d really appreciate some advice on this matter. Briefly – a debt has been transferred to a debt collection solicitor and the outstanding amount has suspiciously skyrocketed. I’ve been paying off a long-standing debt to a firm of solicitors/debt collectors called HL Interactive. They were managing this debt on behalf of Royal Bank of Scotland, though the joint mortgage was originally taken out in 1990 and I have none of the original documentation, and cannot even remember the name of the lender (it was a French name, taken out through Prudential). Last year
  20. This is now the second one to kick off for me as i have Mkdp going as well at the moment. This one is as follows. Thomas Cook/ MBNA debt sold off to Arrow global, who up until now have failed to provide any information. Drydensfairfax solicitors have contacted me just before Christmas over this one. I phoned and spoke to them over the matter, and both myself and the party I spoke to agreed the best way would be to send in the cca request and see what came back. Sent in the CCA request( Recorded delivery). Which a letter & the postal order was returned Pending
  21. I wonder if I could get some advice? Apologies if I am in the wrong place, but just joined so I can try to resolve my problem. This week I received a letter from Drydensfairfax asking for me to complete a expenditure sheet as my student loan has been passed to them. It also says that a CCJ was awarded against me on 11 November 1996 (I had two student loans taken out in 1995 and 1996). I am not aware of the CCJ and would have been when I was living is student accommodation so I assume letters didn't catch up with me. In approximately 2002 SLC tracked me down,
  22. Hallo, Please could someone advise me on how to respond here: I had a student loan when I was at University from 1996-1999. After Uni I thought I'd defered, but apparently the SL company didn't receive my form... I got a CCJ in 2001 and in 2005 started to pay the Student Loan company back £25 pcm, I am still paying this amount monthly and have never defaulted Today I got a letter forwarded from an old address from Drydensfairfax demanding the balance (£2970) or payment towards it, or else they may attatch my earnings, send a bailiff around, or place a c
  23. Hi, i have received a letter from capquest to which i promptly sent back a CCA letter. Here is there response: http://x-centric.net/capquest1.jpg capquest letter http://x-centric.net/capquest2.jpg egg card agreement front back of egg card agreement shows my signature and date correct ( forgot to scan back ) what would be my next step? should i now send a Subject Access Request along with £10? Many Thanks for all your help Nigel
  24. Hi I hope someone can help me. I will try and summarise below my situation and any help will be greatly appreciated. My house was repossessed in 1998, in 2004 DLC wrote to me requesting payment and unfortunately I responded. Since then I have been paying back an amount every month. Today I received a letter from Bank of Scotland saying they have withdrawn my account from DLC and passed it to Drydensfairfax with immediate effect and the reason is due to a process change within the bank. Attached to the letter was a letter from Drydensfairfax asking me to
  25. Apologies if this is covered elsewhere but there is so much information and commentary I cant keep up with the situations. In my case I had a credit card with MBNA and unfortunately established a debt with them. An agreement was reached to repay the debt and regular payments were being made . For no apparent reason MBNA then sold on the debt and it has been "sold" on several times since and I cant keep track of who and when these transfers have occurred but the common denominator appears to be Arrow Global . When MBNA first stopped taking my payments I stopped making any contributions
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