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    • She impresses me vastly Lives by her beliefs too  
    • 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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Fredrickson Intl Ltd & Arrow Global

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I got a letter from these guys and didn't have any knowledge of the debts. I asked a friend about these and he told me to send a letter to them. So i decided to send them a letter as well as email requesting information about the debt and with in 2 days i got an email back.

The letter i send was as follows


Dear Sir/Madam,



You have contacted me regarding the account with the above reference number, which you claim is owed by myself.


I would point out that I have no knowledge of any such debt being owed to Arrow Global Guernsey Limited.


I am familiar with the CPUTR 2008 and the Office of Fair Trading’s Guidance on debt collection, which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.


Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.


I also draw your attention to your affiliate membership of the Credit Services Association (reg 183) which requires yourselves to be compliant with its codes of practice,which I am also fully conversant with.

I would ask that no further contact be made concerning the above account unless you can provide evidence as to my liability for the debt in question.


I await your written confirmation that this matter is now closed,together with a copy of your complaints procedure. Otherwise I will have no option but to make a complaint to Trading Standards and also inform the Office Of Fair Trading via Consumer Direct of your actions.


I look forward to your reply.


Yours faithfully

The response i got back Arrow Global

Dear Sir,

Thank you for your email, of which the content has been noted.

Unfortunately due to our company Information Security Policy I am unable to discuss an account via this method.

However, I can confirm that this matter is now closed and will issue written confirmation today as well as ensuring our system is updated correctly.

Please accept my sincere apologies for any inconvenience our actions may have caused and should you wish to discuss the matter further please feel free to contact me on 0800 1300 165 (opening times 9.00am – 5.00pm Monday to Friday).

If you wish to make a formal complaint we ask that you submit this in writing to the address below

Kind regards,

Legal & Compliance



Tel: 0800 1300 165

Fax: 0845 459 4817


12 Booth Street


M2 4AW

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Send it to F's and Bryan Carter. Please correct my spelling error - continued in the first line!





Before i send the second letter which you advised to do so, I got a reply from FREDICTION saying the applogies and closed the case.I did not receive any other letter from them after that. Thank you so much for your help!!!!

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Excellent - good news. Well done you!

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A damp summer greetings to all!

My wife has been chased by Fredrickson/Bryan Carter since the 3rd of March,2011, re a debt owed to Arrow Global Limited. Back in November 2009, we wrote to our creditor (Halifax Card Services) and advised them that because of certain reasons the collection of the balance of the account was unenforcable. We heard nothing from Halifax again but instead, Fredrickson International raised its ugly head and we are trying to find out if indeed Arrow has purchased the debt, and if so, why haven't them (Arrow) contacted us and asked for the money. Can anyone help ?

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