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    • It's a very simple answer It,s a tradition me and a few of my long term mates go the pub to watch the football all day on boxing day and on new years day and our number one rule is we don't take our phones.! We don't see each other as we used to with us all leading different lives and having families but that is the one thing we have all promised too do until the day we die.! So it was quite normal for me not to have my phone and no need to worry about it because xmas and new year is the inky time of the year that I get a complete break from work zero emails zero phone calls.Its the only time in a whole year I completely have a break.
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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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rainbow moon

RBS (Triton) playing games - really fed up with the pair of them

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I have a loan and an overdraft debt with RBS, I sent a letter to RBS when things started going wrong and they seemed understanding and put the interest and charges on hold. They asked for an income/exp form after I explained I could only make a token payment of £5 per monhth for the time being, I did send one thinking if they are going to play ball I have no problem showing them how little I have coming in at the time. After not hearing back from them, I sent another letter asking for payment details so I could set up a standing order and enclosed a cheque as the first months payment, still no reply from Rbs but the cheque was cashed.

 

I then received a letter from Triton, collecting on behalf of RBS and the whole thing started again, they wanted all the income details and to know how I was going to pay all the amount, yet again I sent off the same info with a reuqest to send me bank details so I could continue paying. I got a letter back saying they could not consider the token payment as no I/E form had been sent with the letter - it definately had. After getting advice on here I sent off a cca request to triton and a sar to RBS.

 

Yesterday I have received back the cca request from Triton stating they cannot provide the information as my signature does not match the one they hold on file, they have sent back everything, the cheque, cca application and my recorded delivery envelope. They want me to take id into my local bank before they can action but they also state that they cannot send out information for the many previous loan accounts I had with them if I don't have the account numbers - I do not have any paperwork so cannot provide them.

 

A coupld of days ago, my son took a phone message from a company called Apex who told him that my accounts had been transferred to them - at the time I had no idea which accounts as they didn't tell him that bit but I was angry that they had said anything to him, as I was out he took their number and said I would phone when I got back that night, they then continued to phone back every twenty minutes or so throughout the day - he ignored the calls and I didn't ring them just barred their number.

 

Today, I have two letters arrive from Apex who claim that they are dealing with the accounts on behalf of RBS, they want the full amount and a reply within 5 days. I have not heard anything back from RBS yet re the sar but no doubt will get the same response that I received from Triton.

 

Does anyone know what I should do next? I am annoyed that I have to pay again for the postage etc to get the details but even more annoyed they seem to be stringing me along. Sorry for the long post. Rainbow x

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Send Apex this; http://www.consumerforums.com/resources/templates-library/86-debt-collectors/574-letter-when-account-has-been-passed-on-whilst-agreement-request-is-in-dispute & this;

 

Dear Sir or Madam

 

Harassment by telephone

 

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

 

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

I now require all further correspondence from your company to be made in writing only. [if you Want Them to]

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

Be advised that any further telephone calls from your company will be recorded. (**Even if you don‘t yet have recording equipment!!**)

 

Yours faithfully, **Print name do not sign**


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

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17 Port & Maritime Regiment RCT

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Did you sign you SAR or covering letter? As a rule, don't do this, you'll find that it ends up on some CCA that they've cobbled together.

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Thank you cerberusalert for the letter, will send that straight away. I have blocked their phone number so all quiet at the minute. Is the account classed as being in dispute since they have sent all the request back to me and do I have to send again or just put it in dispute from the date they originally got the request?

Bladeboy I did sign the letter but not in my usual signature which is where they are questioning the true signature bit I think.

Thank you both for your replies. Rainbow x

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Update on this saga, Apex have been back in touch by letter after I told them that these accounts were in dispute with RBS/Triton, They state they have been informed that RBS still want them to collect and if I don't respond with a payment plan within the next three days they are threatening court action. I have not heard back from RBS re the sar - they still are within the time limit, but they did return all my cca request stuff without acting on it. Not sure what to do with this now. Thanks for any replies Rainbow x

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Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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Hi Cerbs, I have already sent that letter to them, their reply (Apex) is that they have asked RBS what is to happen next and according to Apex, RBS have told them to carry on persuing the debt. Rainbow x

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Send Apex the CCA request in that case, let's see what their excuse is going to be before you fire off complaints to Trading Standards, the OFT & the ICO.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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