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    • Thank you. The npower debt was from 2019/2020 until EON took over the account late 2021.   npower had set a DCA on me even though I owed them nothing. I spoke to a customer service agent, following up by email, who confirmed I was in credit . I made a complaint to head office who sent a barrage of emails, changing the amounts each time. According to them, I owed £279.   The debt grew to what it is now as first npower and then EON subsequently failed to put a payment arrangement and direct debit in place to pay off this supposed sum and my ongoing bills.   I was very ill with Covid, struggling in lockdown with a disabled child and informed them of all this.   EON stopped their legal action when I took them to the ombudsman as this was part of my complaint and requested remedy but I have not received a notice of discontinuance.    I would like to set up my own dd to pay them off but am concerned they could still take legal action. I am on a low income and can’t afford to pay them more than a token amount each month.   
    • Thank you guys! @lookinforinfo thank you for the case, it seem to similar with my case which is gold. @Nicky Boy shouldn't be ICO?   Personal data breaches: a guide ICO.ORG.UK   For CAG I found this  The Confidentiality Advisory Group (CAG) is an independent body which provides expert advice on the use of confidential patient information. This includes providing advice to us, the Health Research Authority (HRA) for research uses. It also provides advice to the Secretary of State for Health for non-research uses.
    • HB - yes I agree it is about their paperwork and advice.  I need to be clear in my head what my complaint is.  And what a result looks like for me? (They should never have placed me with the shark with whom I've had all sorts of issues - but I don't think that's my complaint focus -v-  broker) 
    • HB - all sorts of issues have been in court; the main one re repo remains in court, no resolution.  They all stem really from bad advice by broker.  Indeed, but if the Ombudsman is prepared to accept the complaint, it would be about the advice given by the broker and their paperwork, wouldn't it? You seem to be asserting that the problems you've had stem from their bad advice. HB
    • Aesmith - wanted a btl was placed with a bridge.  The broker did no affordability check, no fact find, no income check, they filled in all the forms - just sent the signature page to sign. The question was/ is - with a high-paying short-term tenant in situ and a history of other high rentals should they have been able to secure a replacement btl?  I'd had a btl for donkeys.  The valuations were way off for the bridge.  As was discovered down the line. HB - all sorts of issues have been in court; the main one re repo remains in court, no resolution.  They all stem really from bad advice by broker. 
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Erudio using state benefits, refuse deferement, i want to go to court over this


sabby1978
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Hi all,

 

i am wondering if you can help me.

 

Ive had the most distressing phone call with an advisor from Eurdio.

 

I was completing my deferment application and become quite concerned

when I came to section 9 which asked for gross total income including state benefits.

 

I currently receive rent that is heavily subsidised by housing benefit as I rent privately,

I receive some council tax benefit, child and working tax and child benefit.

 

My wages are only £900 per month but when I added the above benefits my gross total income was above their £2398 threshold for deferment.

 

I contacted them to see if the above benefits were included in what they considered my gross income and I was told that they were.

 

I tried to explain that the above were means tested

that were used to help me pay my rent which is £1400 per month (I live in London)

and my childcare

and that I could not see how these could be used.

 

They said that they had a list of all benefits that could be used in their calculations

and that both housing benefit, child tax credits and child benefits could be.

 

Is this right?,

 

I have complained and will escalate to ombudsman if necessary

Things are so tight for me at the moment I cant deal with another bill.

 

Please help

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I think you may misunderstand,

 

I have never earned enough so have always deferred.

 

This new company which has just taken over from the student loans complany

now include things like my housing benefit in my gross income

and so I would have to start repaying

whereas under the old system would have been discounted.

 

Is there any one with any expertise in this area,

specifically can housing benefit be classified as part of my gross income when it is awarded to pay my rent.

 

Any help much appreciated

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Err no i dont mis understand at all.

If you dont wish to repay then you dont have to. No matter what this company say

 

So stop thinking that this company can tell you what to do, i told SLC to go do one years ago and if they had issue then to issue a CCJ, my initial loan was in in 1996.

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Thanks for the advice not really helpful to me as I spent years rebuilding my credit rating

and getting myself out of debt and do not want a CCJ issued against my name.

 

As I said what I really need to know is if the means tested benefits

 

I have referred to can really be considered as part of my gross income

or how I can challenge this as im sure there are going to be many people in my position.

 

Anyone......

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NO they are not.

 

just remember, Erudio, are a DCA

they will say anything on the phone they like

 

they are not BAILIFFS and have nosuchLEGAL POWERS.

 

stay OFF that phone to them.

 

when did you take the loan out?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi

I took out the loans between 1998 & 2001,

the only reason I contacted them was to find out if state benefits were included in what they referred to as ones gross income.

 

They confirmed that they would use awarded housing benefit, child and work tax credit and child benefit as persons gross income,

this would not be disregarded but added to my earnings of £900.

 

I just want to know what to do and

 

can they do this,

I mean tax credits and housing benefit award me money to pay my rent and childcare costs not pay off my old student loan.

 

PLease help, what is my legal position with regards to this matter

 

Many thanks in advance

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I think that they could take me to court as I have been acknowledging the debt

and as I said I do not want my credit rating that I have worked so hard to restore jeopardised!

 

If there are any benefits, cab workers or solicitors on here what would be their view

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Sabby, you are in good hands with dx's advice. If you had been defering with SLC and your circumstances were the same then the same applies to DCA.

 

If they call you .... Simply say "Please only communicate in writing in all future correspondence" ... and put down phone.

Remember, they are a Debt Collection Agency (DCA) and they will lie, deceive and swindle you. Do not trust a word they say.

 

PS: They cannot take you to court as they are not the original creditor nor can they take a CCJ either for the same reason.

 

PPS: Play hard with them and do not let them force you into making payments just state "I have been defering with SLC under the same circumstances therefore you are breaking the original terms and conditions of the contract and i shall be reporting you to the relevant authorities".

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I appreciate your response but im not finding that your advice is helping as there is no legal ground to it, so I would appreciate responses from people who can tell me what my legal position is rather than saying just don't pay it!

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No, if you had been defering then you continue to defer. If they start taking money from your account without your express consent they will be breaking the law.

 

Sabby, can i suggest that you google or even look at the DCA section of CAG and you will see that they have little power or authority, although they may try to lie to you otherwise. ....Knowledge is power.

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I had been deferring with SLC on an annual basis and needed to complete deferment forms along with proof of earnings and benefits.

 

So are you saying that the SLC sold this onto a DCA and they (Eurdio) cannot go about collecting the money in the same way in which the student loans company did?

 

And knowing this why did eurdio buy such a huge debt knowing they had no powers to collect?

 

Thanks for your help

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cancel the SLC DD

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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