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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.
    • Hi Andy,   We were never notified with regards to this holiday no communication after they went into Admin. last week was the first time we heard anything at all and it was from RC themselves. I called them last night and explained everything and it looks like everything going to be okay we will only  lose the deposit which is a small price to pay I guess compared to £2000 I will update if I hear any more.   thank you Hb and Andy both for your  help   regards otb
    • yep, the UK is a bumpy twisty crowded ISLAND whos layout and transport infrastructure is best suited to Sea and Road. The rivers are generally to narrow and shallow, let alone steep, and the flat plains are simply to small and crowded to house a big rail system like Europe, China, India, Africa, Australia ............   So its smaller lots via road or ship em to the nearest port   Our railways are narrow and a bit cramped because they NEED to be. Canals were our infrastructure   When putting in just a couple hundred miles of track disrupts half the country for a decade or more, and costs a not so small nations national debt - its the wrong choice.
    • Yes HS2 is  a waste of space as a half hearted  implementation.
    • Now it makes sense and the intransigent ultra-logical sh*t in my head has stopped nagging me that it don't seem right.
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Unaffordable overpriced credit. Time to wake up and smell the coffee!

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Hello all,


I have been on a spiral of debt for 3-4 years and due to changing finances I have finally realised that I need to sort this all out. It has got to the point where I cannot afford the minimum payments on everything so here is where I am. The interest rates are killing any payment i make and i am not going to spend the rest of my life paying them hundreds per month for nothing. In fact i beleive they have all had more than a fair amount already.


I am / was self employed. Currently no independent income. My wife and I are totally financially unlinked. The only income in the house is my wife's income and a joint tax credit award plus child benefit. We live in a council house and receive full housing benefit and council tax relief. I have no significant assets at all and have 2 kids under 16.


My debts are approx:


Littlewoods £7k

Vanquis £3k

Aqua (SAV UK) £4k

Cap One £1k

Barclaycard £2k over 2 cards


they expect a total of about £700 pcm in min payments:jaw:


All are pre April 2007 except one Barclaycard. In September I decided enough was enough and that buying food was more important than feeding this never ending cycle of minimum payments. So on 1st October I stopped paying the lot. At the end of October I paid them all token payments of £1 to £5 in proportion to their share of the debt to a total of £20. I intend to pay them this exact amount on the 1st of every month.


I have read around the forum and I am basically doing what I think would be dx100uk's advice, before asking for it! In that I am telling them that that is all there is and that if they dont like it tough because I dont like it either. However the entire £20 is coming out of a joint tax credit award anyway not any money that I earn so I feel that they are actually getting £20 that I am in effect stealing from my kids!


Thought I would start a thread for moral support and because I have many questions. For starters


Do I legally have any income? The only money that comes in with my name on it at the moment is the tax credits, does that count as income? and if so is half of it my income


In actual fact what is the worst they can do anyway? I could not care less about a credit file - it is their credit file not mine anyway. Afterall, they put all the stuff in it not me!


Like I said, council house and qualify for full HB and full CT relief. So as far as I can see even if they were silly enough to take me to court and win a CCJ they would get no more than I am paying now. Am i right?


Am i correct in thinking that whatever they do they will not affect my wife's credit rating - we are not financially linked at all (no joint accounts or anything)


I intend to challenge the enforceability of the lot over the next few months / year or so.


Any help, advice or answers to my questions would be very much appreciated. I'm not particularly worried about any of this to be honest. It was stressing me out trying to juggle it all for the past couple of years, i feel kind of relieved that i have now turned around and faced it to be honest. They can shove the credit file and after trashing that a CCJ would not be any worse. Basically I have accepted the worst case scenario that I may end up declaring bankrupt and now I am going to fight to see how much better than that I can make it.


If you made it this far, thanks for reading.

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