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    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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Student loan sold to Eruido


Janmarie35
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Just a few quick questions:

 

1) Can I send Erudio a request for a copy of my original student loan agreements. [1995-1998]?

2) Do Erudio have a legal requirement to provide them?

3) How do I go about asking?

 

Appreciate any help ... thank you.

 

JMG

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1) yes.

2) yes

3) Im not sure personally. Wait for more advice.

 

 

:D

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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Hi and welcome to CAG

 

1 Yes

 

2 Yes

 

3 CCA letter in library

 

Short and sweet enough for you :-D

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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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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  • 3 weeks later...

Update: ..

 

Well none really as Eruido have still to send me a copy of the original loan agreements.

 

What do I do if they do not send these copies by the required date which is 16th April?

 

Also..

while reading through the many messages on this wonderful website

it has been mentioned that if you took the loans out before you were 40

they would be cancelled when you reached 50.

 

 

I had my first S loan in 1995 when I were 37 and my last in 1998 when I were 40.

 

 

Should the first 3 loans have been cancelled 6 years ago when I reached 50 anyway ?

 

 

I have always deferred payments as I have never reached their payment threshold and never will.

I am also on long term disability not sure if that changes anything.

 

Your help is very much appreciated as always.

 

JMG

Edited by Janmarie35
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According to a chart over on MSE, you have two grounds for the earlier loans. Aged under 40, debt wiped at 50 and also unfitness to work.

 

For the 1998 loan, if you are classed as never being able to work again, this could also be wiped.

 

As for the CCA request, if they fail to supply, complain.

 

As an aside, have you received anything from Erudio asking for your signature on any documents NOT related to deferment. I.E, new terms and conditions?

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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[As an aside, have you received anything from Erudio asking for your signature on any documents NOT related to deferment. I.E, new terms and conditions?]

 

All I received was an initial letter informing me that they had purchased my SL from SLC and that they would be sending more info . I then received there long winded deferment form which asks for way more information than they legally require. I have not sent this back as I am awaiting the copies of the original loan agreements.

 

I am still on deferment until May 2014 .

 

JMG

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  • 2 weeks later...

How do you deal with people who just ignore you?

I have sent all correspondence via recorded signed for and have kept proof of sending. All the letters have been received and signed for [i have kept a copy of their signature.]

 

I assume they will ignore me until the end of my deferment when I will no doubt get accused of defaulting and then receive a demand for full payment.

 

Who do I need to complain to about this and should I still send Eruido a request for deferment even though they are ignoring my letters?

 

As always .. any help is appreciated.

 

JMG

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Janmarie

you need do nothing more until they respond to your CCA request,

 

do not return deferment form and

 

do not return any thing until they respond to your CCA request.

 

If they are beyond the 12+2 working days they are in default already.

 

In effect, by sending a CCA you are disputing the alleged debt they claim to own,

and by them failing to respond you can only assume they are liars

and no debt between you and them exists until they do respond to your CCA request.

 

Do not fear their threats of default as this will be deemed vexatious as they failed to prove to you that you have any contract with them

and their deferment deadline is not something you need worry about as your account is now in dispute .

 

...so sit back, relax and do nothing until tthey fulfil your CCA request. :)

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Not that it needs be - but I second what warrens just told you. I'm in exactly the same position as you, and can assure you - they will get nowhere with their lies and attempts at manipulation with me.

 

Your accounts frozen - they can't then turn around once/if they unfreeze it and say deferment has been missed and your in default, as it was their incompetence that caused the situation. Otherwise companies would always hold up paperwork then say you missed the deadline.

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Incidently, failure to respond to a CCA request isn't a golden ticket - http://www.oft.gov.uk/about-the-oft/legal-powers/legal/cca/unenforceable-credit-agreements#.U1_7WFdWiVo

 

But stick to your guns.

 

As far as i understand it, since they cant get a judgement then their trump card is no good so the debt is dead in the water till its written off. They'll whine, but its nothing more than hot air. Also as i understand it, if they produce a Credit agreement in the future then you have to play ball again.

 

If thats wrong someone let me know!

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  • 2 months later...

I received a letter from ERUDIO this morning informing me that I am now in arrears of £354.74

and that I should pay ASAP or they will pass it on to their debt dept.

 

I really do not think its worth writing to these people again.

 

As you can see from my previous messages they have totally ignored every letter I have previously sent.

 

I requested a copy of my credit agreement way back in March.

 

I have also sent three other letters regarding the cancellation of the first three loans as I took them out before I was 40

and was told that they should be cancelled when I reached 50,

 

I am now 56.

 

Not one reply from them.

 

Any advice is welcome :)

 

JMG

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sounds good

 

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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  • 3 months later...

This company just makes me laugh!

 

They have ignored every letter I have sent both via e-mail and royal mail,

 

 

yet claim that I am ignoring them.

 

 

My arrears now stand at £800+ and they have started to phone me daily

[i have their number blocked but I keep a log of who actually calls]

Yes I have sent them the " do not phone me" request.

 

Today I receive yet another letter from them claiming that I have failed to contact them

and that I need to set up a direct debit with them urgently! ... AS IF!

 

Still waiting for that CCA request to be fulfilled ... 8 months and counting

 

I can keep this up for ever ... its quite entertaining to be honest!

 

JMG

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  • 2 weeks later...

Received a letter from them today ...... I quote:

 

"Telephone us at your earliest convenience to discuss the outstanding arrears on your account.

If you fail to contact us within 14 days it could lead to us taking steps to default your account.

 

 

This could result in you losing the right to defer your loan repayments and to other benefits

such as age related cancellation and payment by instalments.

 

 

If you do not clear these arrears, this may also lead to possible legal action and placement of your account with a debt collection agency.

 

Please do not ignore this letter.

 

 

This is a serious matter and non payment may affect your ability to obtain credit both now and in the future,

as a default may be registered with credit reference agencies regarding the conduct of your account."

 

I am pretty sure I know the answer to the following questions

but could someone in the know just confirm it for me as I am having a weak moment.:frown:

 

I sent a CCA request back in March with the correct fee and they have refused to acknowledge it

and every other letter I have sent them since.

 

 

I send recorded and I also send a copy via e-mail.

I keep proof of posting, screen shots from track & trace etc.

 

 

What more can I do if they will not acknowledge Me?. If its to make a complaint whom do I complain to?

 

Am I correctly assuming that the above is just another tactic to get me to just roll over,

especially mentioning the age related cancellation part, as it is part of the issue I have with them in the first place?.

 

 

I took the loans out before I was 40 and I am now 56.

 

Does my account remain legally in dispute until they comply with the CCA request?

 

As always I appreciate any help :)

 

JMG

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yes in dispute

 

 

pers I'd be sending that letter to the FCA/ICO/FOS and your MP.

 

 

they should NOT be BLACKMAILING you into using the phone.

 

 

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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  • 2 months later...

Update:

 

I am still receiving demand/threatening and default letters from them and they are continuing to ignore every letter I send.

 

 

Apart from one letter I received on Dec 18th which confirmed that they had received the letter which I sent back in JULY

and that they were now investigating it.

 

Phone calls have stopped which is a plus.

 

I will keep you updated.

 

Thanks again for your help!

 

HAPPY NEW YEAR ALL!

 

JMG

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Happy New Year to you as well :)

 

Sadly there is little you can do if they continue to ignore you. Other than escalating your complaint to the agencies set up to protect the consumer, I think you can only wait on their next move.

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  • 4 weeks later...
Happy New Year to you as well :)

 

Sadly there is little you can do if they continue to ignore you. Other than escalating your complaint to the agencies set up to protect the consumer, I think you can only wait on their next move.

 

Their next move was to start harassing me by phone AGAIN!

 

 

I have logged 16 calls since beginning of the month.

 

 

I have their number blocked but I keep a log of who actually calls and

I have sent them the " do not phone me" request a few times in the past.

 

 

They do try the "withheld" number route occasionally but those are blocked too - It just goes straight to answerphone.

 

I'm going to play the "if you ignore me I am gonna ignore you" game ....

 

Waits with bated breath on their next move...

 

BRING IT ON!:madgrin:

 

JMG

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It took almost a year ... but they finally sent me my CCA request details. [The one which should have been sent within 12 days]

 

I need some advice on what to do next.

 

My circumstances have not changed nor will they.

 

Do I now have to apply for deferment as per their rules and after all this time are they going to back date it...?

 

As always any help is appreciated.

 

JMG

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can we see the CCA please

 

 

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use the old SLC DAF or await the new rodeo ones that are apparently being made.

 

 

have you been reading the other threads here

 

 

there has been lots of news since you were last on

 

 

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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