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    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
    • In anticipation of lodging my court claim next Weds 1 May (14 days after advising P2G that was my deadline for them to settle my claim) I have completed my first draft POC as below: Claim Claim number: xxxxx Reference: P2G MAY 2024   Claimant xxxxx   Defendant Parcel2Go 1A Parklands Lostock Bolton BL6 4SD  Particulars of Claim The defendant has failed to arrange for the safe delivery of the claimant's parcel containing a 8 secondhand golf clubs (valued at £265) that was sent to a UK address using their delivery service (P2G Reference xxxxx). The defendant contracted Evri to deliver the parcel (Evri Reference xxxxx) and refuses to reimburse the claimant on the grounds that the claimant did not purchase their secondary insurance contract. The defendant seeks to exclude their liability in breach of section 57 Consumer Rights Act. The secondary insurance contract is in breach of section 72. The claimant seeks reimbursement of £265, plus P2G fees of £9.10, plus postage costs for two first class letters to P2G of £2.70, plus court fees, plus interest. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from xxxxx to xxxxxx on £276.80 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £xxxx   Details of claim Amount claimed £276.80 I look forward to your thoughts and comments guys! As ever, many thanks - G59    
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Erudio using state benefits, refuse deferement, i want to go to court over this


sabby1978
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send back a filled in copy of the OLD SLC deferment form

 

 

gives them no rights to mark your CRa file

 

 

and gives them no rights to include benefits

 

 

the T&C's cannot change

if you don't sign their new form.

 

 

if you have deferred successfully with the slc

and your circumstances have not changed

eruido cannot force you to pay.

 

 

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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Thank you for that DX. By any chance do you know where I can get an old SLC deferment and could I write an accompanying letter saying that I will make a payment of £25 per month to be honest the process of deferring under erudio has caused me a lot of stress and I would prefer to avoid it.

 

 

Again, what would I say about not signing their papers?

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don't pay them anything

 

 

if you circumstances are not changed

from when SLC allowed you to defer

they can do nothing.

 

 

there are no laws whatsoever that you MUST use and sign THEIR paperwork.

 

 

they have been sold a debt

it already has a signed agreement [from sometime]

so it already has associated T&C's

 

 

THEY CANNOT VARY THEM.

 

 

however, if they send you a form to sign [and they have in 2 places it asks you to sign it]

 

 

if you read the small print CAREFULLY it says you are signing to ALLOW and AGREE to CHANGES in the original T&C's - DONT SIGNIT

DONT USE IT

 

 

attached is the SLC deferment form

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 DX,

I hear what you are saying but to be honest I cant be bothered with the hassle of deferring every year and I think that I could afford to pay £25 and would prefer to do this rather than having to deal with them any more, what is the best way to do this?

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stupid move giving In to a fleecing DCA.

 

 

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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Share on other sites

makes a mockery of 130 posts of advice.

 

 

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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even offer them the £25, and they will deem you to have accepted their T & C's and when they say £25 not enough they will default you and try for a CCJ for the lot, do as DX suggests.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Have we helped you ...?         Please Donate button to the Consumer Action Group

If you want advice on your thread please PM me a link to your thread

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Ok, I will submit old slc deferment form. I feel that I Could afford 25 but if that means I am entering into a new agreement with them and that they can mess up my credit file which I have worked so hard to rebuild then it's not worth it.

 

I will keep you all updated no doubt I will need further support and advice

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Why on earth would you want to pay a DCA a penny when you legally do not have to pay them anything at all? Time for you to stop being scared simply because a random chancer shouts at you.

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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  • 6 months later...

Hi all,

I've posted on here before regarding Erudio and their insistence that housing benefit is part of my gross income.

the old SLC never considered housing benefit

 

 

without this being included I'm substantially under the repayment threshold and I'm over the repayment threshold when it's included.

I have been arguing that housing benefit is a non taxable income which was never considered by the SLC and that under the T&Cs of the loan is an exempt income.

 

I have raised this with the ombudsmen

however they initially ruled in favour of erudio

however it is now being dealt with by an adjudicator as I expressed that I wasn't happy with the decision

based on the fact the investigator failed to consider relevant information

I.e. I have deferred for the previous 6 years under the same circumstances

and on the basis they had not considered that housing benefit is a means tested non taxable benefit.

 

This situation has been going on for two years nearly and after two years of unrelenting correspondence and complaints I've had enough,

I have mental health problems and I find this very stressful.

 

 

About 4 months ago I offered them £50 per month simply because I want them off my back,

I could afford that presently (though if my situation were to change I couldn't) and I don't dispute I took out student loans

but erudio refuse to accept that I meet the deferment conditions or my offer,

 

 

they continue to send me letters.

 

 

I just want the matter to be concluded after two years.

 

 

My question is

 

 

can I take Erudio to court and let them settle the matter.

If so what do I do and what would be the best grounds for legal action I.e. harassment?

 

thanks for your help and advice

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Why not just use the SLC Deferment form.. .I think it is valid and state that Housing Benefit ISNT Included as part of the original terms of the repayment for the loan etc!

Simple! :)

 

If Erudio dont play ball, then you drag your heels with them. Your health is most important. If its with the Adjudicator wait for them to come back.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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I've done all of that and everything humanly possible

 

 

I just want to know If erudio can be taken to court,

 

 

the process and can I use harassment as grounds.

 

 

I don't want to waste anymore time corresponding with erudio as its futile and its really weighing me down.

 

 

Please any advice on taking erudio to court

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Have you logged everything that has been sent to you? It is my understanding that once the Adjudicators rule, it cant be challenged in court. Thats what an adjudicator said to me when i enquired.

So Im not sure whether you could. If they are harassing you and you havent included it in your complaint to the Ombudsman then you could potentially go to court with it.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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pers I think that is unwise.

 

 

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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Sorry just to be clear the investigator at the ombudsmen said she couldn't officially rule and so she was handing over to an adjudicator.......that was at the beginning of April. I just wanted erudio to be held accountable and for this whole debacle to finally end. My complaints and challenges are falling on deaf ears.

 

In fact in around April erudio said that my account was on hold until they had investigated my numerous complaints but still no response only demands for money, statements of arrears and threats of court. Arrears have only accumulated because they have refused to accept my 5 previous deferments.

 

It's very stressful, please help

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why do you keep kicking this debt?

 

 

you've been told several times to let this drop.

 

 

send off the SLC form to rodeo

and then ignore them

 

 

you seem to be hell bent on entering into unnecessary agro

 

 

if you credit file is still clean then I cant understand why you keep kicking them.

 

 

let them rot.

 

 

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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I haven't been told to let it drop, I don't want to be harrassed any more and I don't know what else to do

 

Read back through what has been posted

All 8 pages the answers are there

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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sabby, i know how you feel, you want these parasites to stop bothering you.

Ive / we all have been there on this site, and the advice is the best you can ask for anywhere.

 

DCA's such as the one you are dealing with have ZERO powers, they will huff and puff threaten and always say "may do this" or "may do that". At the end of the day that is as far as they can take it.

 

The agreement you originally agreed to is set in stone, the DCA cannot change it, if housing benefit is not mentioned as a gross part of your income then that they way it is, never to change.

 

You have filled in the form - now forget them, any other paperwork they send you just file away, ignore the parasites they want you to reply - by you replying they will rebuttal and you will end up in letter tennis and a heap load of stress.

 

The government for some strange reason decided to make a quick couple of quid and sold the debts, your conditions are the same, they cannot mark your credit file even if they do so what?!. You have stated you have worked hard to clear it but at the end of the day if your not planning a mortgage etc how is this going to affect you unless you work for the police or a financial body. If they do you should be able to get it removed.

 

Relax, dont worry about it, i was like you and lost sleep because of a toothless DCA that even came to my door. Life is to short to worry about this.

DX is top read though what he has said and you wont go wrong.

regards

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The list of excluded benefits on the reverse of the SLC deferment forms were to directly quote the forms.

 

Personal Independence Payment, Armed Forces Independence Payment, War pension, Long Term Incapacity Benefit, Short Term Incapacity Benefit (at the higher rate), Employment and Support Allowance

Severe Disablement Allowance, Disabled Persons Tax Credit, Industrial Injuries Benefit, Disability Living Allowance, Severe Disability Premium and Disability Premium are not taken into consideration when determining income level but MUST be stated.

 

Housing benefit is/was NOT exempted on the reverse of the forms, which means SLC should have taken it into consideration as income. In most cases unless they made a mistake, they did.

 

Take legal action and you will lose I'm afraid to say.

 

If the FOS ombudsman makes basic enquiries to SLC and/or Erudio, it's quite likely it will be shown to their satisfaction that HB should have been included as well.

 

I wish you luck, but I fear you are backing a losing horse here.

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