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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. 
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    • 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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Hi, I had arranged a repayment plan with WDA. However, I was paid late and missed the deadline.

 

I contacted them telling them this and that I fully intend to make the next payment as planned and carry on with the plan.

 

They sent me a statement and they had in the meantime added £300 to my account!

 

I replied saying I will now not continue with the plan until the balance is reverted to what we agreed in the payment plan!

 

They didn't reply. And today is payday and they have somehow without my knowledge or agreement have set up a direct debit and taken money out of my account - for the agreed sum, but I don't want to pay them anything until I can confirm that the balance is what it was originally!

 

Is it too late to get this payment reversed back into my account?

 

What should I do next?

 

WDA aren't responding.

 

I had 2 months ago banned them from taking money out of my account with my bank but obviously this must have expired!

 

Any help would be great]

 

Thanks

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Call your bank and do a direct debit reversal. Under the direct debit guarantee.

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Also, ignore the £300. Its an unenforceable charge. As for expiry on telling them they cant debit... thats the first ive ever heard of it. It lasts until you tell them they can.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thanks.

 

Do I call the fraud department?

 

Or should I call the visa card department? (The one I called to block them in the first instance)

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Just contact your bank and invoke the DD guarantee as the DD was TOTALLY set up without your knowledge or authorisation. You could get teh fraud department involved as well.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thanks man, I might just go inside the bank tomorrow rather than on the phone.

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Make sure to speak to the manager and not the desk rep. get everything confirmed in writing before you leave.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Will do.

 

How do I proceed with WDA? I wanted to make the payment today anyway. But only paying against the total sum I actually owed not with the £300 added!

 

And we also agreed I paid by standing order not just robbing my account.

 

How can I get this sorted?

 

do I just pay them? or do I need written confirmation that this extra £300 isn't going to charged permanently to me?

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You stick with what you are already doing. Get the money refunded, ignore the bogus charges, and when the money is back in your account, get a full complaint going.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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A complaint to them or the omburdsmen?

 

And how to continue actually repaying the debt once the money is refunded?

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Complaint to the lender. Ombudsman wont get involved until the lender issues a final response. They also shouldnt sell it on while a dispute is ongoing. If they do, you can get it sent straight back.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Just state clearly what they have done wrong, why you are maing the complaint and what they can do to rectify/resolve the complaint. keep it short and simple. There are no templates as each complaint is unique. If you need help, post up a version of your letter and we can help with it.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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