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    • Name of the Claimant ? Erudio Student Loans Ltd   Date of issue – 9th Jan 2020   Particulars of Claim   What is the claim for – the reason they have issued the claim? 1.The claimant claims £10,100 for monies due from the defendant   2.The debt was pursuant to a regulated agreement(s) between the defendant and The Student Loans Comedy Limited. Each agreement had an individual account number as follows  XXX XXX XXX XXX   3.The defendant failed to make payments as per the terms resulting in the agreements being terminated. Notice of such is served by a Default or Termination Notice subject to the terms of the agreements.   4. The debt was assigned to the claimant on XX/XX/2013, with a notice provided to the Defendant. A new master reference number XXX was also applied upon assignment 5. The claimant has complied with the Pre Action Protocol for Debt claims.   What is the total value of the claim? £10,100  Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? No    Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes, possibly more than once. This claim form has been sent to my home address   Did you inform the claimant of your change of address? No, I have never heard of Erudio before I received this claim form.  I did notify The Student Loans Company Ltd about my address change though. Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Student Loans   When did you enter into the original agreement before or after April 2007 ? Before.   Do you recall how you entered into the agreement...On line /In branch/By post ? I think I signed the forms in person, although it would have been about 25 years ago so I can't be positive.   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. It says that the debt was assigned.   Were you aware the account had been assigned – did you receive a Notice of Assignment? No, I have never received any notice of assignment   Did you receive a Default Notice from the original creditor? Not to my knowledge   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not that I remember   Why did you cease payments? I always returned Deferrment notices to The Student Loans Company as I never earned enough to have to start repaying these loans. I still haven't. But the SLC stopped sending deferment notices to me, and in fact stopped sending anything to me. I don't know when the last time I had any communication from them.   What was the date of your last payment? I've never paid     Was there a dispute with the original creditor that remains unresolved? Not to my knowledge    Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No I did not   This is for a huge amount of money, and I've never heard of Erudio before I received this. I do sometimes have problems with my post at my home address.  I really appreciate all help that anyone can give with this. My ideal outcome on this would be that they drop the court action and I send them Deferment notices for the future.
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rasg

I am confused - Bailiffs costs and parking tickets

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I have a long running situation going with Philips and everything has been remarkable civil so far and I have been recording all conversations etc.

 

The PCN that was never actually issued back in 2008 is essentially done and dusted. The amount of £180.00 is not in dispute and I have accepted that. It is the fees that Philips have lumped on that has taken the debt above £600.00 that are usurious to say the least.

 

Elsewhere on this forum there are figures that state the amount that bailiffs are allowed to charge for a parking ticket and yet Westminster Council insist that £200.00 per visit is correct.

 

Can somebody please explain how the figures are so different please?

 

TIA.

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are they collecting on a distress warrant issued by the court?

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The truth is that I am not sure. I've attached the letter, and I now have three of them, with the bailiff's name and his mobile number.

 

That's all I have.

philips-small.jpg

Edited by rasg

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thats too small and i cant read it, ring philips and ask them if they have a distress warrant if they have ask them to email you a copy of it.

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do you have a pcn number?

 

ring TEC to check if there is a warrant

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You can probably see by the thumbnail (that is meant to be a big scan!) that the only boxes that are filled out are the phone number and surname of the bailiff. No reference number. No nothing.

 

Here is the text of it:

 

We have attended your premises today with the intention of seizing and removing your goods to clear the arrears you have failed to pay.

 

Should you fail to make immediate payment we may re-attend your premises on any day and at any time withou any further notification.

 

Please note: we may re-attend your premises with a locksmith to remove any seized goods (as in accordance with the law), even in your absence.

 

Removal action is very expensive and you are liable for all fees, charges and expenses that may be incurred.

 

Should you be unable to pay in full immediately it is imperative you contact the bailiff on the number provided. Payment by all major credit/debit cards are accepted.

 

Ignoring this letter will not make the debt go away.

 

I will try and see if Philips can help but they are terrible to do anything except take payments. I bet they are good at that!

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You can probably see by the thumbnail (that is meant to be a big scan!) that the only boxes that are filled out are the phone number and surname of the bailiff. No reference number. No nothing.

 

Here is the text of it:

 

We have attended your premises today with the intention of seizing and removing your goods to clear the arrears you have failed to pay.

 

Should you fail to make immediate payment we may re-attend your premises on any day and at any time withou any further notification.

 

Please note: we may re-attend your premises with a locksmith to remove any seized goods (as in accordance with the law), even in your absence.

 

Removal action is very expensive and you are liable for all fees, charges and expenses that may be incurred.

 

Should you be unable to pay in full immediately it is imperative you contact the bailiff on the number provided. Payment by all major credit/debit cards are accepted.

 

Ignoring this letter will not make the debt go away.

 

I will try and see if Philips can help but they are terrible to do anything except take payments. I bet they are good at that!

 

 

dont ring them on there rip line, use say no to 0870 to get the normnal rate number

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I spoke to TEC at Northampton that have allowed me to file an out of time declaration. It should freeze all bailiff action as soon as they receive it. Thanks. R

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I am confused - Bailiffs costs and parking tickets

 

28% of the sum recovered.


The next generation Nintendo Wii - the Nintendo Puu

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