Jump to content


  • Tweets

  • Posts

    • Firstly, I would like to thank everyone for their help in this matter. Since my last post I have received a reply from Plymouth Council Insurance Team concerning my wife’s accident (please see enclosed letter and photo of the offending Badminton post) which they deny any responsibility for the said accident. I feel that the Council is in breach of their statutory duties under the following acts: The Leisure Centre was negligent in its duty of care and therefore, in breach of the statutory duty owed under section 2 of the Occupiers’ Liability Act 1957. Health and Safety at Work Act 1974 (the Act) to ensure, so far as is reasonably practicable, the health, safety and welfare at work of all their employees, and others who might be affected by its undertaking, e.g. members of the public visiting the Leisure Centre to use the facilities. The Management of Health and Safety at Work Regulations 1999 that requires employers to assess risks (including slip and trip risks) and, where necessary, take action to address them. The Provision and Use of Work Equipment Regulations (PUWER) require the risk to people’s health and safety from equipment that is used at a Leisure Centre be prevented or controlled. I would like some advice to see if my assumptions are correct and my approach to obtaining satisfactory outcome to this matter are accurate. Many thanks   PLM23000150 - Copy Correspondence.pdf post docx.docx
    • Talking to them does not reset the time limit, although they will probably tell you it does, they'd be lying. Dumbdales are the in-house sols for Lowlife, just the next desk along. If Lowlifes were corresponding with you at your current address then Dumbdales know your address. However, knowing that they are lower than a snake's belly, you would be well advised to send them a letter, informing them of your current address and nothing else. Get 'proof of posting' which is free from the PO counter, don't sign it, simply type your name. That way then they have absolutely no excuse for attempting a back door CCJ.   P.S. Best course of action, IGNORE them, until or unless you get a claim form......you won't.
    • A 'signed for' Letter of Claim has been sent today so they have 14 days from tomorrow... Lets wait and see what happens but i suspect judging by their attitude they wont reply 
    • I am extremely apprehensive about burning our files.... I do not know why, so it is becoming an endless feedback loop. Scared to pull the trigger to speak in the desire not to mess up my file. 
    • Hi All, So brief outline. I have Natwest CC debt £8k last payment i made was 7th November 2018 Not a penny since. So coming up to the 6 year mark. Can't remember when i took out the  credit card would be a few years before everythign hit the fan. Moved house 2020 - updated NatWest as I still have a current account with them. Then Lowells took over from Moorcroft and were writing to me at my current address. I did get a family member to speak to them 3 years ago regarding the debt explained although it may be in my name I didn't rack it up then went contact again. 29th may received an email from overdales saying they were now managing the debt. I have not had any letter yet which i thought is odd?  Couple of questions 1. Does my family member speaking to lowell restart statute barred clock? 2. Do you think overdales aren't writing to me because they will back door CCJ to old address even though Lowells have contacted me at current address never at previous? ( have no proof though stupidly binned all letters  ) Should I write to them and confirm my address just incase? Does this restart statute barred clock? 3. what do you think best course of action is?   Any help/advice is appreciated I am aware they may ramp up the process now due to 7th December being the 6 year mark.   Many Thanks in advance! The threads on here have been super helpful to read.  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      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.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Was 1997 Student Loan under my 2010 Bankrupcy? - Erudio now chasing


heidda
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2820 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I last deferred my loan with the SLC around 2012 so won't be sb'd for a while yet. Since then only communication I have had with SLC or Erudio was the CCA and SAR request. I will send another letter today about the mystery payment.

 

I have read the thread and am a bit puzzled. There has never been a period of 6 clear years, where you have not deferred the loans. Deferment acts as acknowledging the debts, so as you say they are not statute barred.

 

If they have received £10, then that is less for you to pay. You could ask for details, they realise a mistake and take the £10 off the account.

 

Now that you earn more than the threshold, at some point you are going to have to make payments. I guess that if you don't, they could take you to court. Have a search online to see whether Erudio are issuing court claims. You might want to avoid getting a CCJ.

 

That is my reading of the situation. How do you see the situation ?

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

Link to post
Share on other sites

  • Replies 97
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Your reading of the situation is correct.

I earn just above the threshold and cant afford to pay anything back at moment as my shifts haver been reduced at work.

If it was the SLC they may be more understanding but I dont want to deal with Eurdio and their sneaky tactics.

 

 

I have now received a Termination letter that I have attached.

They now demand full payment.

There no mention of being taking to court

but the usual stuff of they may contact the CRA's etc.

 

 

Has anyone else received these letters and does anyone know of anyone being taking to court?

 

 

I can't seem to find any evidence of this unless that have had an outstanding decree from the SLC.

Link to post
Share on other sites

there have been two rumours that have done court twice

but both turned out not to be true.

as the posters here and on the likes of mums net provided no proof and disappeared when questioned.

 

 

there have also been instances whereby old CCJ/Decrees attained by the SLC have tried to be enforce by arrows

but again they don't really seem to have gotten anywhere as such bar willy waving.

 

 

pers I'd be riding this out

 

 

this £10 wasn't payment for your SAR was it?

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... 

Link to post
Share on other sites

Don't think you have much choice now, but to ride it out and see what happens. If it has been terminated, then the repayment would not be via the old loan terms.

 

The £10 on the account may be more important to establish now re stature barring, if it is more recent than your last repayment deferral.

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

Link to post
Share on other sites

The £10 postal order was sent to the SLC for the SAR.

Details of this are in post #59.

 

 

The SLC received the recorded letter the following day but some how Eurdio have managed to to get their hands on this a short while later.

 

 

The track and trace service from the post office said this was signed for by the SLC. Strange!

 

 

I thought the SLC dealt with the SAR and not Erudio.

 

 

It seems SLC have forwarded this onto Erudio.

 

 

When I received the SAR several months later there was a letter stating the SAR had been sent to Eurdio minus the £10 postal order.

 

 

Don't know if this was acccidently included.

SLC apoligised for the delay and enclosed a differant cheque for a £10 refund for not complying to my request in time.

 

 

I have details of the £10 postal order so going to contact the post office and see if they can tell me who cashed it.

Link to post
Share on other sites

  • 1 month later...

capquest?

 

 

what are they doing with a SLC loan?

 

 

that's a first!!

 

 

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... 

Link to post
Share on other sites

I received two letters.

 

 

One from Erudio saying that Capquest debt recovery are now managing my account.

 

 

I got a separate letter from Capquest (Same postcode on both envelopes of Huddersfield HD81DY)

 

 

saying they are managing my account on behalf of Erudio

and any future payments should be made to them although any direct debit or any continuous payment has been cancelled.

 

 

Take it that means they a requesting the full amount!

 

 

No mention of court action yet.

Link to post
Share on other sites

then you can ignore capquest

they are simply acting for their 'client'

 

 

and like their 'client' they can do bugger all!

 

 

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... 

Link to post
Share on other sites

wake up brain...

 

 

arrows are Erudio- capquest are part of arrows.

 

 

long day sorry

 

 

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... 

Link to post
Share on other sites

What can I expect fromCapquest? Harrassment/Court procedings etc? I was still waiting from answer from Eurdio about a few disputes when they transfered my debt to Capquest. I have now been getting phone calls from them too. Don't know how they got my num. Any info would be great.

 

Cheers

Link to post
Share on other sites

Just tell them in writing of the oustanding disputes with Eurdio and ask whether Capquest have taken over dealing with answering the disputes.

 

Have a look in the legal part of CAG to see if there is any evidence of them issuing court claims. If there outstanding disputes, you shoukd remind them in writing, as they should not be hassling you while disputes are ongoing.

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

Link to post
Share on other sites

Don't think they can mark your credit file.

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

Link to post
Share on other sites

Capquest can't add anything to your credit file.

 

Erudio may be able to if you have not deferred and not repaid, as you would have defaulted on the loan, depending on the original agreement terms for the years you took them out.

 

i.e. under clause 12(b) if you break the agreement, as you have.

Link to post
Share on other sites

Windysock - What action did Capquest take against you in 2006?

 

Nothing. Just hot air.

 

Was SLC though directing things, so now it's Erudio it's their 'ball' so to speak.

 

No real evidence yet whether Erudio will take and legal measures eventually. So far no, but they are basically Arrow Global, who have been known to go to court, so who knows in the long game. You would suspect not, but would not like to say for certain.

Link to post
Share on other sites

  • 11 months later...

Just recieved a letter today that since my acount was defaulted last year they now intend to notifiy the CRA's with my default. I have 28 days before this will be done. I have a few questions to ask and any advice would be great.

 

Does this sound genuine that they will go ahead with this? I had a letter from Erudio last year that they would not be managing my account anymore after I defaulted and that it would be passed onto a DCA for collection. Can they still do this?

 

They state on their website that the default can be avoided by paying in full within 28 days. The account would then be closed. Do you think I could offer a final settlement of a percentage of the value of loan and this would avoid a default. Or could they still mark my file with a partial settlement?

 

If I do decide to contact them I only have a few weeks to do so. I know I should contact them by letter and never the phone but due to the short amount of time could I call them and record the call for evidence?

 

Any advice would be great!

Link to post
Share on other sites

Erudio adding default and passing the debt on for another DCA to chase ?

 

Yes cannot see why not, if they have deed of assignment for this debt, you have defaulted and it is not statute barred.

 

If you last deferred in 2012, i would presume the default was in 2013 and not 2015. So you need to keep an eye on the date, if it added to your record.

 

Really depends on your plans in the next few years. Any default would be unhelpful, if you wanted to obtain any new loans.

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

Link to post
Share on other sites

several people have reported getting these default letters

no-one has actually gotten a default yet afaik.

 

 

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... 

Link to post
Share on other sites

The latest letter mentions that from Sept 2016 Erudio will start to notify the CRA's. Read on another website that since they have sorted out historical paperwork they will start to contact CRA's. I'm undecided yet of how to move forward but if I did contact them and I offered them a settlement figure and they agreed could they mark my file as partially settled basically trashing my credit file anyway. Also, if the account is defaulted could they still chase me throught the courts for the debt?

Link to post
Share on other sites

Defaulted or not they can do what they like

If they actually do is a totally diff matter

 

And I doubt they'd short settle either

 

Its a blinking game for you and 10,000,s of others

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... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...