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    • Yes in my first post I asked if they were going to pay me my full wages or ssp.    I have asked for an assessment but no reply yet. I've been off one day so far.  The only message they sent me said that because of the risk of contagion, they do not want me to come in.  Is this not enough? - Sounds like they are suspending for clinical reasons to me. 
    • I've requested a credit report from Experian now, I should receive it by next week
    • Hi I have decided I don’t want to use this company, however they say a refund takes 5-10 working day, however as we don’t have much good weather I want to buy the machine form a more reputable seller ASAP, is there anything thing I can do to remains a quicker refund. The machine cost over a grand so I don’t have any spare money to be paying for both machines.
    • Thanks dx. No, there's no reference number in the writ itself.    Who are the pursuers:   Erudio Student Loans Limited, a company incorporated under the Companies Acts and having its registered office at c/o Wilmington Trust SP Services (London) Limited. Third Floor. 1 King's Arms Yard, London EC2R 7AF   Who Are the Solicitors:   Shoosmiths LLP   What is the writ for –   Preceding the Condescendence and Pleas In Law sections provided in post 1, there's the following text: The pursuers crave the Court to grant decree against the defender for payment to the pursuers of the sum of AMOUNT together with expenses   what date was this served on you:- 17th July   what date is within the COURT STAMP: 19th JUNE (not July as entered in post 1)   What Is the claim for: Student Loan   Is the debt showing on your credit reference files - I don't know but can find out   When did you enter into the original agreement before or after 2007? -  Before 2007;  first loan has a 1998 account number   Were you aware the account had been sold/assigned – did you receive a Notice of Assignment? Yes I believe so   Did you receive a Default Notice from the original creditor? Not to my knowledge   Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Yes   When was your last payment:-  I believe I made at least one payment in late 2015 after having been late in submitting deferment forms that year   Why did you cease payments:- I only made payments to cover a couple of months' payments which were due because of my deferment had been submitted late. I stopped once those payments had been covered   Was there a dispute with the original creditor that remains unresolved?  No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan?  No    
    • I emigrated to australia permanently about a year and a half ago, but still have an overdraft of 2500 pounds with a bank in the UK. I am struggling to pay it off, and am being charged 1.75 a day for the overdraft. I have not informed the bank that I have moved to Australia.   Im wondering what is the best course of action. I do not intend to return to the UK and have no assets or family over there. I rang up a call centre for the bank and informed them of my situation and they suggested i ring the branch and speak to them. I intend to pay the debt off, but am not in a position to do so right now, and was hoping the bank might put a hold on the charges, whilst I can get the finances to pay them off.   alternatively, what would happen if I did not pay this debt off
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Neeta

Debt, Mental Illness, PPI's and DMP help needed please

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if you find written proof the OC defaulted the account at an earlier date..

 

you send the DCA that proof giving them 14 days to correct their error else you'll raise a serious complaint with the ICO and also seek financial compensation for the damage to your credit reputation caused by their error.

no further communication will be entered into regarding the matter nor any further warning given.

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On 07/04/2019 at 12:15, Neeta said:

 

He currently has SC clearance but with a review date

- we fully disclosed our previous credit problems and detailed our payment plans to resolve them when he applied for clearance.

 

When he gets reviewed and it shows that we have stopped paying some of these off they may withdraw his clearance which will stop him being able to work.

 

I know you won't agree with this at all but I am tempted to offer a Full and Final payment, just to stop this getting worse again (for me personally and my mental health) and it affecting my husbands ability to work.

We are just getting on our feet again.

 

Given what I've explained about the SC would you have any additional advice please?

 

I've just completed my SC review and the format and some of the questions have changed since my last review.

 

You are now asked whether you have ever had any financial difficulties, so the idea that anything not on your CRA file doesn't matter is no longer current.

My advice is to declare everything (or at least to call NVS and ask whether you need to declare); you can also add an explanation to your forms.

 

My experience has been, in assisting someone who had £40+k debts, and speaking to NVS as her line manager, is that they are looking for you to demonstrate integrity. Being in debt is one thing - and it may be a pointer to susceptibility to risk, but not fatal, but showing lack of integrity is a surefire way to lose your clearance.  In the case of my staff member, I explained that she had been completely honest with me, that I had helped her to access a DMP,  but that some debts were disputed or statute-barred and no payments were being made on them. They accepted this, and she was cleared with a review at 6 months and 12 months - all they asked was proof that she was continuing to engage with her DMP.  I friend of mine, who has a DV clearance, went over his credit card limit - NVS simply asked him to show that he was paying off the overspend, and suggested that he stayed within the limit in future!  The thing is that NVS aren't looking to find ways not to grant clearances; they are looking to show that people aren't at risk or likely to become security risks.  Showing that you are dealing with issues is the important thing.

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The problem is that the OP has already lost their home, and offering full and final settlements willy nilly, is diverting money from priorities such as rent and council tax.

 

When I applied for my mortgage, and they asked why I had a couple defaults I was no longer paying off, I told them the truth, that I had SAR'd the OC's and found them to be loaded with unlawful fees, and therefore was disputing the sum owed.  If necessary I had proof to hand, but the Mortgage company seemed to be satisfied with my answer.

 

It's almost guaranteed that the OP, if they bothered to SAR would find their debts choca bloc with reclaimable fees.

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I haven't lost my home and I am currently managing my income and expenses very well.

 

I have sent SARs and reclaimed fees and PPI which reduced the original debts.

 

Thank you for the advice ScarlettPimpernel that was very helpful.

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Ok, I got the semantics wrong. The point I am making that the people who are really important to pay such as rent, council tax, energy bills, insurance should always take a huge priority over paying people who do not need to be paid.

 

The truth is that it's well known that unlawful PPI and fees are the cause of many payment disputes, so it's not outrageous to explain that is the reason for stopping payments to your creditors, until it's resolved.

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