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    • I must withdraw from the course as Student Finance England will not fund my second degree which is an exception degree. For I been told of an outstanding debt that I had no idea existed, which was sold to a third party from my original degree. SFE told me that there no outstanding debt when doing my application but now informed me that they sold half my loan to a private company that put a block on my account.  I tried explaining that I never earn over the threshold so no payment was due, which sfe agreed but they say they can do nothing about the block on my account by Erudio.  I rang Erudio to explain but they said will only remove if I fully pay even though I am under no legal obligation as I never earn the threshold, plus I cannot afford 8070 pounds.  I spent hours telephoning looking for a solution with no luck, I contacted Student loans England, Student Finance England, the University credit and finance but no luck in finding a solution. But I really see a solution being found as I don't want to liable for course fees as I can't afford them without SFE loan.  What makes it worse is the university stringed me along even though I phoned them on 28/10/2020 and raised this as a concern that finance not been received and she assured me the cut off point was 18/11/2020, I received my decision on 21/11/2020 i immediately withdrew from the course.  But when I rang the university to explain that these are circumstances out of my control,  and its not like I don't want to continue the degree there no finance she said well we charge you 2250 pounds because you two days over the cut off point. I told look at system notes I already telephone with concern and now they sending me invoices, totally stressed made appointment with Student union adviser I find it amazing they try to take advantage of me in this way.  If anyone has any advice please I would very much appreciate it.       Just add I rang erudio whom informed me the debt was Stature barred in 2010 and they bought loan in 2015, and they only remove if I pay it in full which I cannot afford, this reason I have drop out.  On my SLC loan every if up to date and there no outstanding balance there deferment till 2005 and then gap in 2018 it says   Annual Unmatched customers/oversees/Not eligible to repay statement.  I did move address erudion had my old address but slc had my new address.  Anyway the lady said that since I did not fill in my deferment regardless if I can prove I never earn over the threshold that the debt had been statue bared,  If anyone can tell how I handle the university whom going after for a whole term payment just cos I was two days over the tutor said she allow my withdrawal from the 18th but I don't know how the university will act.      
    • Some 162,000 mortgage payment deferrals are still in place, after dropping from a peak of 1.8 million in June, according to UK Finance statistics View the full article
    • Okay. The plumber can have a quiet life but you need something from him to describe the installation, and also that the expected life of a copper cylinder would exceed XX years even in the case of corrosion and that corrosion at only five years could not be described as "normal wear and tear" and is likely to be caused by some inherent defect. The fact that the terms and conditions of the warranty are not clear will help you because at the end of the day I think you are in a position simply to say that you understood it was guaranteed and that no terms and conditions were set. That it was absolutely reasonable to expect that if there was a defect in the item then the reparation would include not only the replacement of the cylinder but also all associated costs. I think I've already suggested that you get a couple of written opinions about the expected lifespan of a copper cylinder – even if they can't give you a lifespan, they can certainly comment on corrosion occurring within five years. You are doing all of this for your neighbour. If this runs to a legal action – as it probably will – then your neighbour is going to have to do this. Does your neighbour understand this? The chances of you succeeding in court are extremely high. The chance of this actually going to court are much lower because it is much more likely that they will put their hands up. I would suggest that you might be best off suing the manufacturer and the plumber's merchant together as first defendant and second defendant. If they are sensible, they will pull together on the cost. I'm assuming that a new cylinder has now been fitted – is this correct? Presumably you have the invoices for the purchase and installation of the new cylinder. Presumably the new cylinder which has been fitted is the same or equivalent to the one which corroded so that there is no particular difference in the cost.
    • just says you need access. you need to make it public.   dx
    • it will and it will have a reply pack.   ignore everything unless you get a PAPLOC.   dx  
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Voluntary Charge


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Hello All,

 

I was reading through the debt forums and discovered the letter templates, one in particular concerning the above.

 

I am in an IVA with Blair Endersby. I have recently received, by post, a letter from the local county court stating that one of my creditors, (Tesco's), has attached a charge to my house with out telling me or discussing it with me.

 

Can they do this?

 

Regards

Geoff.

In the end, what we regret most, are the chances we never Took

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I expect what has happened is that Tesco has applied to the county court for an interim charging order on your house, which they don't have to tell you about. However, they cannot get a full charging order without informing you of a hearing that you obviously have a right to attend so that you can challenge it. Tesco will be doing this as they probably feel that it is their best chance of securing full payment of the debt at some future point. It is fair to say that charging orders are notoriously difficult to stop, which is probably why Tesco want to go ahead.

 

I don't know what effect having an IVA will have on your chances of successfully stopping a full charging order, especially if your debt with Tesco is included in an IVA. Perhaps a judge would take a dim view of Tesco trying to find a way around your IVA, and maybe this is why Nick Pearson has suggested you contact Blair Endersby. They may be able to give you some advice about preventing Tesco getting a full charging order.

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Maybe I did not explain my self properly, Tesco had laid the charge against my house, it is in force.

 

They did not tell me anything, no hearing date and other such things. So it would appear that I am stuffed, could loose a lot, even my house. Not at all happy about Tesco's tactics.

 

 

In the end, what we regret most, are the chances we never Took

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Did Tesco not send you court papes before getting the Charging Order?

 

As far as I'm aware, they have to have got judgement against you before they can apply for a charging order

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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If you didn't receive court papers or you sent them to Blair Endersby and they didn't act on your behalf, I think you could apply to have the judgement set aside

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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If a full charging order has been applied you will have received a ton of paperwork from the Land Registry as well, also giving you the chance to file an objection. If you haven't received this then I can't see how a full charging order has been applied without your knowledge. You could always contact the Land Registry to see if they have received any notification.

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