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

[unclebulgaria67]

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 ?

[heidda]

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.

[dx100uk]

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?

[unclebulgaria67]

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.

[heidda]

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.

[heidda]

Just an update.

 

 

Still not got a reply from Erudio regarding the mystery payment etc.

 

 

Instead received a letter from Capquest who now own the debt.

 

 

Anybody had any dealings with them?

 

 

What problems can I expect with them?

 

 

Thanks

[dx100uk]

capquest?

 

 

what are they doing with a SLC loan?

 

 

that's a first!!

 

 

dx

[heidda]

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.

[dx100uk]

then you can ignore capquest

they are simply acting for their 'client'

 

 

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

 

 

dx

[dx100uk]

wake up brain...

 

 

arrows are Erudio- capquest are part of arrows.

 

 

long day sorry

 

 

dx

[Guest]

.. capquest are part of arrows.

 

 

dx

 

cheers

[WindySock]

capquest?

 

 

what are they doing with a SLC loan?

 

 

that's a first!!

 

 

dx

 

Not a first. I have a letter on file from them dealing with SLC loan back in 2006 I think.

[heidda]

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

[unclebulgaria67]

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.

[heidda]

Since this has now been transferred to Capquest. Can they add anything negative to my credit file?

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

 

Thanks

[unclebulgaria67]

Don't think they can mark your credit file.

[WindySock]

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.

[WindySock]

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.

[heidda]

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!

[unclebulgaria67]

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.

[dx100uk]

several people have reported getting these default letters

no-one has actually gotten a default yet afaik.

 

 

dx

[heidda]

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?

[dx100uk]

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