Student loan sold to Eruido

[Janmarie35]

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

[renegadeimp]

1) yes.

2) yes

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

 

 

[silverfox1961]

Hi and welcome to CAG

 

1 Yes

 

2 Yes

 

3 CCA letter in library

 

Short and sweet enough for you

[Janmarie35]

Thank you

 

JMG

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/showthread.php?420355-Erudio-Student-Loans-using-state-benefits-in-their-calculation-of-gross-income-is-this-right

[Janmarie35]

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 April 11, 2014 by Janmarie35

[silverfox1961]

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?

[Janmarie35]

[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

[Janmarie35]

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

[WarrenBuffet]

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.

[Rosskie]

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.

[Rosskie]

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!

[Janmarie35]

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

[dx100uk]

sounds good

 

dx

[Janmarie35]

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

[Janmarie35]

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.

 

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

[dx100uk]

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

[Janmarie35]

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

[citizenB]

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.

[Janmarie35]

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!

 

JMG

[Janmarie35]

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

[dx100uk]

can we see the CCA please

 

 

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IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAG

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- You DON’T have to put a link to the attachment in the msg box just upload it ……… JOB DONE

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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

[Janmarie35]

Thanks dx100uk

 

I will set to uploading the documents ASAP.. may take a while there are quite a few pages.

 

I will also catch up on the other rodeo threads as suggested.

 

watch this space!

 

JMG

[Janmarie35]

Done! sorry for the delay!

 

JMG

[WindySock]

Yes those are the standard agreements used by SLC through all those years.

 

Mine are the same. Both original and copies supplied under a previous request to SLC when they had the loans.