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About Me


Found 2 results

  1. Caggers, do any of you have a copy of Mortgage Express' (now UKAR) 2004 Terms & Conditions Booklet for mortgages, please?
  2. Introduction I'd like to document the correspondence of my dealings with Erudio, aka Arrow Global / CarVal Investors in the hope it will help others; my student loans are from 92-95. Mission Objective To get written confirmation of deferment, as has been the case since loans were originated via SLC. Salvo #1 First contact was a big wad of paperwork as documented in other threads, asking for bank details, eye colour, inside leg measurement et al....and a signature! I ignored this first contact. They phoned and I requested any further correspondence to be in writing.. .they sent a second wad of paperwork, the same as the first; this accounts for three trees chopped down thus far for their thud of paper through the letterbox. This also had a cover letter saying I was in arrears for ~£200....huh? Salvo #2 I ignored their paperwork and instead scanned the original SLC document I had, with a signature and no more, I did not divulge any bank info on this form. I then copied my bank statements for the last three months into a PDF (I redacted all personal info from the statements) and along with the SLC doc, sent them via email: Dear Sir/Madam, Please find attached a signed deferment form and three months of bank statements. My customer reference number: xxxx Regards John Doe Salvo #3 They replied two days later via return email: Please be advised that the information that you provided is currently being processed and you will receive a letter in due course. Salvo #4 Almost two weeks later, they sent an email: Please be advised that the bank statements you sent were unreadable , could you please resend them again so that we may continue to process your deferral application. I resent my statements as a PNG picture on the same day as their email. This email from over a month ago, was the last correspondence I have received. Salvo #5 Today I received a letter stating another notice of arrears, this time it's gone up to ~£400. No mention of the deferment nor any other confirmation of the process thus far. It seems they are just sending generic letters with the computer regurgitating random amounts to scare the peeps; their goal is to get payment...any payment so they have your bank details. Salvo #6 Removed. Will update as and when they reply... -------------------------------------- Edit: I'm removed the email I sent in salvo #6 , as I'd prefer to wait for their response before publicly posting info; you never know who's reading these forums. He who is prudent and lies in wait for an enemy who is not, will be victorious. - Sun Tzu, The Art of War Txs dx - I think it was one of your posts buried deep in another thread that inspired my verbiage.
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