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    • Yes, my initial view is that @unclebulgaria67 is probably right and that because it was a magistrate's warrant, it would be the energy company that would have been in control of the situation directly. Unfortunately this will be much more difficult to deal with then dealing directly with Marston but anyway if you give us your details as requested, we can at least get Outlook from that direction as well. I'm also wondering about the position of your landlord in this. As you have taken up a tenancy in a particular property then I would have thought that one of the terms of the tenancy would be that you should be entitled to quiet enjoyment. Although the landlord may say that it is not their fault and it is down to the previous tenant, at the end of the day you have a contract with the landlord who has certain responsibilities. I think we may consider involving the landlord in this as well. You say that there have been letters addressed to the previous tenant. What have you done with those?
    • Yes please. We have certain direct access to Marston and we may be able to get someone to look at this at a senior level. Please email us as requested with your own contact details and name of previous tenant.   We can't guarantee any particular result but we can promise you that it will be looked at.
    • they say in letter dated 20/01/20 that the agreement was terminated on 30 July 2017 and cannot be terminated twice, so your VT request is invalid. startline issued termination or Default notices on the following dates: letter: 30/03/2017 termination notice  liable for payment: arreaers to date : £365.38 the balance of: £10,586.50 total: £10,951.88 7 days notice else ROG+sums outstanding. ....................... Letter: 11/12/2017 Default Notice nature of breach: instalments of £211.73 due 30th each month. action to remedy: payment of arrears £449.23 by 30-12-17 other info: payments to date: £5226.91 outstanding: £9351.89 less rebate: £2251.41 Amount Due: £7100.48 if you act before 30-12-17 and have paid £7056.90 you can VT. ............ Letter: 27-07-2018 Default Notice refs a dn dated:31/05/2016 - there is no such DN in an SAR return. nature of breach: instalments of £211.73 on 30th each month. action to remedy: payment of arrears £226.73 by 15-08-2018 other info: on or after date 27-07-2018 we shall terminate,withdraw possesion and recoversums due upon termination. total paid: £6250.91 outstanding: £7647.28 less rebate: £1590.47 Amount Due: £6065.81 if you act before 15-08-18 and have paid £7056.90 you can VT. ........................  letter: 01-10-2018 termination notice  liable for payment: arreaers to date : £325.06 the balance of: £6079.75 total: £6404.81 7 days notice else ROG+sums outstanding. ……………………...     NEW ORDER STATEMENTS.pdf Doc1.pdf
    • thank you.   have you had issues paying credit before you took any of these out?   i'e were you keeping a good handle upon your credit file and it wasn't shot with any defaults or payment markers during the period when you applied and were successful in getting any of this additional credit?   my thoughts are ...should the above not be the case and your credit worthiness was good... so couldn't p'haps introduce some irresponsible lending complaints in association to them … it might be an idea to give all your creditors the heads up that times are hard and you wish them to help you, as they are duty bound to do, by freezing interest and any penalty fees to allow you to ride out this present financial hardship till things improve ...   how does that sound...   dx  
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sabby1978

Erudio using state benefits, refuse deferement, i want to go to court over this

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Paul Lewis is supposed to be discussing Erudio on Radio 4's programme You and Yours

at 12pm today.

 

He has also tweeted that he particularly wants to hear from people whose accounts have already been debited by Erudio when they shouldn't have been. Am not allowed to post links because I haven't been a member of this forum for long enough, but his Twitter name is paullewismoney

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He recons you need to sign the form, child benefits etc will be counted, you need an active direct debit, and deferred loans will be reported to CRA's

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Erudio is pretty much arrow global but using a different name. They will use every trick in the book to get money


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..

 

 

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If you don't sign it there is nothing they can do ......they cannot put a mark on your CRA file unless you sign one of their documents as there is no contract between you and them. Remember only the Original Creditor can affect your CRA unless you sign this obligation over to Eruido by signing their form.

 

What i found strange about Paul Lewis is that he sought all his answers from the lions den ....if he had sought some independant legal advice then his Eruido favouring conclusions might be somewhat different. IMO

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What i found strange about Paul Lewis is that he sought all his answers from the lions den ....if he had sought some independant legal advice then his Eruido favouring conclusions might be somewhat different. IMO

 

Yes, I thought that he was 'playing it safe' by avoiding criticising them. It could well be that this is because he works for the BBC, who seem reluctant to criticise anything to do with the government. However, I think that more of a fuss should be made in the media about it, as this could be something which has major implications for students in the future when more of the student loan book is sold off. I was disappointed that, although Paul Lewis said it was 'worrying' that some people's accounts had been debited by Erudio even when they were entitled to defer, he didn't say what could be done about this.

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What else do they expect a DCA to do? Theyve basically given a DCA free reign over millions of pounds.


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..

 

 

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But if you dont sign, your deferment wont go through by sounds of it. They can't mark your credit file, but you would be in default and they could surely then demand payment in full, ccj etc etc

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And yeah - he certainly sounded like he was towing the BBC line. Hopefully get a more useful conclusion from Martin Lewis.

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Rosskie, i would recommend putting account into dispute by sending CCA which i understand you have already done? By disputing account you do not need to defer.

 

One other thing, they will not get a CCJ either as ........you guessed it! ......they are not the Original Creditor.

 

Please remember DCA 's are not the same as Bailiffs et al as they have no direction from the courts and they will not come calling at your door. They will though torture you by telephone if you dont tell them to communicate in writing only. They will then provide you with endless amounts of fire starting material.

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Yeah, my accounts on hold, I dont have to worry!

 

I've got a feeling I know what your going to say here... But, surely they aren't completely powerless when it comes to non paying individuals?!

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But, surely they aren't completely powerless when it comes to non paying individuals?!

 

Most DCA's are as they cannot comply with even the simplest of requests or legalities.


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

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I 2nd what Renegadeimp has said above and why i would ignore the advice as given by Paul Lewis,

for a so called financial expert he apparently knows absolutely nothing about DCAs and their powers ...

...because they have no power and the courts are aware of their dirty tricks

which in any normal society would be viewed as extortion.

 

They will however lie and state that they will do this and that but if they do ....

...when they do, call their bluff and watch them back down.

 

Your SL debts were seen as 'bad debt' and they are getting very close to their 25yr life.

 

The Gov decided to write them off and claim as a tax write off by selling for peanuts.

 

They sold them to the only bottom feeders that would touch such non performing debts .

...the DCAs and they know that the majority of these debts are unenforceable,

but they will operate outside the law by attempting to enforce them regardless.

 

Unfortunately some will cave in to their demands.

 

However, the one example thread here is the thread where the lady stated

that she was facing having to give up her job so that she could continue to defer!? .....

 

.This needs to be brought before an MP as it goes against the Gov policy

of getting people off benefits and into employment.

 

A gov approved DCA is forcing a working woman to leave her employment and go on benefits. ..

......this cannot be right, never mind legal.

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I'd like to add to your post warren.

 

Some DCA's DO have rights, but normally only when they own it

AND have the required paperwork needed to collect it,

or if they are a DCA that are acting under instruction of a government agency, such as HMRC.

 

For general consumer credit though, it's rare that they can do anything.

 

Most try though and thats why a lot get default judgements.

 

The DCA then becomes complacent and issues them like confetti (Lowells, i'm looking at you here).


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

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I've been deferring mine for years, for this government to sell them off cheap to their buddies.

 

Just got the forms to send back.

 

They have said I must give them DD details to get deferment,

and I must send the forms to them at least 8 weeks before the deferment runs out.

 

Well there is no way I am giving my DD details to a DCA especially Arrow Global.

 

As for the 8 weeks bit; are they taking the ****?

 

The form wasn't even sent until April,

 

there is not 8 weeks between my getting the form and when my deferment finishes.

 

I know if I had finished the course a couple of years earlier the debt would have been written off when I was 50,

 

I pretty sure it will be when I am 60 but can't find a copy of the old agreement.

 

I'll have a look though if I can find 20 odd year old paperwork.

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I agree that you shouldnt set up a Direct Debit - ask them for THEIR bank details so you can pay by online transfer.. that is if you are intending to pay of course !


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It's not a case of not intending to pay.

 

It's a case of not able to;

although I must admit I find it abhorrent that one is expected to pay for an education,

especially when it is considered that those in the government had their higher education funded by grants.

 

I took my degree to better myself.

Although at the time I also had a naïve hope that taking a degree may give me a chance of getting back to work despite being physically unable to.

 

A4e and several heart attacks later put that idea out of my mind, and made me settle for a life of filling out deferment forms and writing letters to DCAs.

 

As you say, anyone that does get paid does so via standing order. The actions of the utility companies taught me this.

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Found out it will be written off when I'm 60, only 3 years to go now. That said I just found something that should meant it was written off years ago.

 

 

Also, as to what counts as income. Disability benefits were not counted, now they are. In fact continued receipt of disability benefits should have seen the debt written off.

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Is this the same Paul Lewis who was advocating and shouting from the rooftops about the new increased student fees to £9,000 were great and do not look at them as loans but a tax. I cannot believe that man saying student loans were great. My son is going off to uni this year and I can't tell you how worried I am and I feel our students have been sold down the river for a quick buck,.

 

I wish you all luck with this new debt collector and string them out

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Anything happen with the CCA request here? I am just sending mine off. This NOA seems very official - which I have too, wondered if it counts as a CCA at all?

 

Before reading about Erudio on here, I had paid them blindly, over £50 a month, through my DMP. How daft do I feel....

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Are Erudio, still using DLA/PIP mobility components to calculate iincome, as in regarding High Rate DLA as available income even though it is being paid to Motability?


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i really hope not!

nothing as a result of DLA should ever be used

 

 

dx


..

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i really hope not!

nothing as a result of DLA should ever be used

 

 

dx

I think it needs a recorder phone cal to Erudio to find out, as they seem to be bending the rules.


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Hi all, thought that i would give you an update since my original post and get some further advice from you all.

 

I made a CCA request in March and have only just got a copy of the credit agreement

i suspect that i only received this because they made a complaint to the Ombudsman about Erudio's conduct,

they continued to write to me making demands for money,

they also say i now have £800 worth arrears which i feel is not the case because the account was in dispute.

 

they want £186 per month from me,

there is no way i can afford this,

my salary is only £900 per month.

 

 

Under the old SLC i would have been able to defer but under the new system my Housing Benefit takes me substantially over the threshold.

 

 

I know that under the sale of the loan no-one should be worse off

but to be honest i cant deal with the drama of deferring every year

i think that I am going to offer to pay £25 per month,

will they have to accept this.

 

 

Also;

1) can i refuse to sign any forms they request me to sign

for example i want the SLC to remain the original creditor

and not sign anything that would transfer this to Erudio

 

2) Do I have to provide them with direct debit details to make this payment

 

3) I am happy to provide income details but do I have to provide expenditure details,

I am only agreeable to supplying rent and childcare costs

 

3) If they reject my offer what can I do to challenge them.

 

I thank you in advance for your support and advice

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Brassnecked, they should NEVER EVER use DLA. Report them to ombudsman if they do.

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