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    • Can say for 100% if the Birthday card was the same size and shape as what you get in a card shop, then a normal 1st class stamp (Not large) will be the reason for the surcharge
    • i explained to the mediator that i have nevr had a credit card above the initial 1.5k credit limit and that was my whole problem with this case  
    • It was a standard first class stamp.    As l have clearly said it was within the correct size and shape for a standard stamp AS CONFIRMED BY THE SORTING OFFICE.    This link might help you under stand what l am saying re sizes.  Royal Mail Click & Drop | Send an item - Buy, Print, Drop SEND.ROYALMAIL.COM Whether you're sending one item or several, buying postage online is easy. Choose from over 14,000 drop off...   This link as in the fees https://www.royalmail.com/receiving-mail/pay-a-fee this shows its clearly a fee to pay due to no postage paid.    Also as l pointed out THE ENVELOPE HAD WRITTEN ON IT IN RED INK STAMP FAKE NO POSTAGE PAID. 
    • Might I ask the value of the stamp you put on the envelope and did it say large on the stamp?   If it was a single stamp and did not say large, that is your issue   No postage paid is normally insufficient postage, not the stamp is snide
    • Does this make more sense?:   CLAIMANT
 ERUDIO STUDENT LOANS LIMITED – AND – DEFENDANT xxxx WITNESS STATEMENT OF xxxx   I, xxxx of xxxx, being the Defendant in this case will state as follows;   1. The Witness – xxxx states in point 3 that: “It is noted that the Defendant does not dispute entering into a credit agreement with the Claimant.” This in not true. At no time did I enter into an agreement with Erudio.   2. The default notice mentioned in point 6 was issued on 26/04/2017 and served 4 years, 3 months and 27 days after the last written acknowledgment of the debt on 30/12/2012 by myself. Thus, the cause of action delayed by 4 years 3 months and 27 days and the Limitations period prolonged to 10 years, 11 months, 16 days. This, in effect, allows the creditor to stop time running and the creditor having effective control of when a limitation period begins or even starts to run.   3. In point 5 Andrew Moorhouse states I was issued with A Notice of Assignment on 22/11/2013. In point 6 he states that a Default Notice was sent to me on 04/03/2014. 04/03/2014. In point 7 he states I was sent a Termination Notice on 26/04/2017. In point 8 the legal proceedings and transference to Drydens solicitors took place without my knowledge. I received none of these notices or assignment. It has now come to light that they were all sent to an address I had not resided at since 2001. The Student Loan Company was aware of my current address at the time that the alleged documents were sent. I have always kept the Student Loan Company informed of my current address.   4. In point 18 the Claimant claims the Termination Notice issued on the 26/04/2017 was the cause of action, this is patently untrue - the termination notice does not determine the Statute of Limitations date. Pursuing a debt after a 6 years is clear breach of OFT guidelines and CPUT.   5. I the defendant, contend that the Claimant's claim so issued is a claim in contract and
is STATUTE BARRED pursuant to the provisions of section 5 of the Limitation Act 1980. 
If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant. 
   6. The Claimant's claim to be entitled to payment of £2489.03 or any other sum, or relief of any kind is denied. 
   Statement of Truth I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. Signed: xxxx Dated: 17/05/2022      
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Good Evening.



I am new to the forum and would like to hopefully find out more regarding my rights as a consumer.



Thank You


Hello there and welcome. I'm sure once you start to find your way around the forums you will find some useful advice. I see you have one post already, good luck.


My best, HB

Illegitimi non carborundum




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