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    • Can you complete this ASAP also:    
    • 25/05/2024? That the deadline or the date of the claimform?
    • Banks have different limits above which they require Probate. So it may be Probate is not needed, although as he died with no Will that could complicate things. Is all the £28k with Virgin Money? Your wife should contact all banks who hold his money with the death certificate and ask them what they need to release the funds to her. Most banks have a central "bereavement department". Check their websites. Use that department rather than general call centre or bank branch if they have one. Nearly every bank website has a section on "what to do when a customer dies" so have a search for that. Your wife may also have to provide evidence that she is his daughter. When his wife died it sounds like they had a joint bank account so that's why her money just went across to him. But as it isn't a joint account now transfer to your wife won't be quite that simple.  
    • That explains it then. MET's fantasy is that it's a pay car park.  You're only let off paying if you are a Starbucks customer which you can't be when Starbucks is closed.  'Cos otherwise lots of people would abuse the car park facilities on the far edge of the Stansted Airport area in the middle of nowhere to ... admire the bushes?  Look at the cloudy sky? The important thing is that we have around 140 cases for this site, and MET have only tried court seven times.  Even then, they had no intention of getting as far as a hearing, they were attempting to intimidate the motorists into paying, when the Caggers defended the cases MET discontinued.
    • She's an only child and he as a brother and sister. He has no will and we have done a check on this to find out if he had left one and nothing has come up. He has savings of around 28k His sister and brother are well off so 28k is nothing to them and aren't interested in his money. This just leaves my wife/his daughter. Would this still need to go to probate there is no estate e.g house or business to sell and the amount left in his bank is just small? When his wife died they just closed her bank account and moved her money across to his account and we just assumed that once my wife has handed in the death certificate and shown evidence of who she is the same would apply to her? We don't know yet the council have only just written to us today with a guide of what to do next.  
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Was 1997 Student Loan under my 2010 Bankrupcy? - Erudio now chasing


heidda
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just send the CCA request as is

 

 

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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three threads merged

 

 

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

  • 1 month later...

Just had my SAR from the SLC and

 

 

it included all of the signed CCA's for the student loans.

 

 

I sent a CCA request to Erudio over 6 month ago and received an acknowledgement letter

saying they would send the CCA's in due course but I have had nothing from them.

 

 

It did mention in my SAR that Erudio contacted the SLC for documents.

 

 

Now that I know the SLC have the signed CCA's it's just a matter of time before Erudio produce them.

 

 

I keep getting arrears letters from Erudio and

 

 

now I have received a letter saying I have 14 days to contact them.

I have pasted this letter onto thread.

 

I last deferred my loan in 2013 so it wouldn't be statute barred till 2018.

 

 

What action can Erudio take against me at the moment?

 

 

What will happen when they do produce the CCA's?

 

 

Could they potentially CCJ me?

 

 

I take it the debt would be enforceable?

 

 

Thanks

Edited by heidda
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good grief Is that the kind of crap threat-o-gram they are sending out

 

 

that's pathetic!

 

 

if, if, if, may, could, may, might, instructed,

 

 

only the OC can default a loan

 

 

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

NONE!

 

 

that's the whole point of what CAG is saying. re post 32

 

 

as long as you don't sign any the new agreement

 

 

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

well you have the original in your hand already you indicated? [sLC SAR return?]

 

 

so until/if arrows forward that themselves to you they can go away off.

 

 

and so Those terms and conditions apply

as you've not signed a new one with arrows.

 

 

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

  • 1 month later...

Heres an update of what has been happening with Erudio recently.

 

 

I received my 6 monthly statement and

it says I made a £10 payment to one of my loans which is complete nonsense effectively resetting the SB clock.

 

 

This £10 must have came from the SAR request but how did Erudio get hold of it?

 

 

I sent the SLC in Glasgow a SAR request few month ago and sent this recorded.

The SLC received this the following day according to the track and trace service

but there is a letter included in the SAR dated a few weeks from Erudio stating that they received this SAR

and no money was enclosed in letter!

 

 

This letter was addressed to the SLC.

The SLC then sent me the SAR along with a £10 refund apoligising for the delay.

 

 

So how did Erudio receive my SAR if the SLC received it the following day? Very strange.

 

 

It seems the only possibility was that SLC sent them the SAR once they received it

then Erudio sent them it back minus the £10 using this to pay towards one of my loans

then the SLC refunding me this. Am still waiting for my CCA how can they get away with this dodgy tactic?

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hoho how unusual

 

 

hoe did you 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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Share on other sites

scan the receipt ask SLC by letter where the PO is please and you wish it returned

 

 

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 dx. Last information was wrong. Can't find the receipt for the PO but have photo of cheque which has cheque number etc. Also just realised that I have accidently cashed the cheque from the SLC.

Edited by heidda
Incorrect entry
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  • 2 months later...

you need proof of the payment details as eric has suggested

 

 

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

  • 4 months later...

I have just received a Notice of Default letter from Eurdio. I have attached a PDF of both sides of this. It says that if I don't contact them and clear my arrears they may take me to court. Is this just one on Eurdios churned out threat letters? Has anyone else received this letter? I don't know whether to take it seriously and unsure what it means. Any info on the subject would be great.

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How old is the loan

When did you take it out?

What are their previous letters they talk about?

 

 

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

Threads merged yet again

 

Please keep to one thread

 

I suggest you go to post. 1 and re read this thread

It appears this has already been answered?

 

Did they comply with the CCA request yet?

 

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 for starting new thread.

 

 

I should know better by now.

 

 

Won't happen again.

 

 

Yes, they did comply with the CCA's and I received all the ones which I had signed years ago.

 

 

My first loan was taken out in 1997.

 

 

I sent them a letter asking about a payment which appeared on my statement which I did not make but still no answer from them.

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ok so we need to resolve this mystery payment issue then

 

 

then the matter should be resolved as it would be sb'd?

 

 

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

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.

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