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Fears over deferal with erudio **resolved by fighting them**


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Really worried.

 

I sent back deferral forms months ago and heard nothing back and forgot all about it.

 

Yesterday received a letter to say i was 2 months in arrears and to make payment asap.

 

I phoned and they said they had never received the forms.

 

When i filled out the original forms months ago,

 

i had to phone them to request another form as i messed up the original.

 

They had a record of this request and sending this out to me.

 

This surely at least indicates that i wanted to defer.

 

The girl i spoke to said she would send out another form which would take ten days and i should send it back via email. I will also send it by snail mail.

 

She said they would not be contacting credit reference agencies until i was 3 months in arrears so i have one more month.

 

My fear though is that it will not be processed in time and i will be blacklisted.

 

I have always had an excellent credit rating and i hate the idea of them trashing my credit score.

 

What is the best way to proceed? Do i pay them until i get the loan deferred?

 

All in all they seem to be a truly horrible company. Even their terms and conditions read in a very cocky and aggressive way

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stop licking up to them.

 

they are are a DCA

 

 

they LIE!!

 

they are not BAILIFFs

and have

NO SUCH LEGAL POWERS..

 

and stay off the phone

 

can I suggest you read the rodeo threads already in this forum

 

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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and there is no such thing as a blacklist

 

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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you need to tell us the history of this loan please

 

we have not seen ANY eveidence that they have marked anyones credit file

 

its just a threat

 

and sadly it looks like you fell for

all the paperwork too.

 

so you filled in rodeo's chapter and verse deferment form too?

 

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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History of the loan is that i took out three loans between 1997 and 2000. Never paid a penny back cos i have always been under the deferment threshold.

 

Its now at a total of around £7000

 

I did indeed fall for the paper work. I filled it all in when i received it but they claim they never received it.

 

They are sending me another deferment pack to fill in

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aw bet you wished you'd read this forum a bit earlier

 

have you always deferred every year?

 

and how old are you please

 

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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send them a CCA request

 

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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I cannot recommend more highly you go read the rodeo threads already in this forum.

 

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 not specifically that but the whole rodeo debacle of them buying the debts

after the govt sold them on.

 

erudio is arrows debt collection in sheeps clothing

 

they must hold the signed agreements to enforce anything.

 

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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ok well take it the otherway

 

why have you got to pay them?

 

are you earning over the thresh hold.?

 

we have not seen any SLC sold debts actually appear on anyone's CRA to my knowledge.

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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Iv already said I want to defer so it should be clear i'm earning under the threshold.

 

Delays have occurred due to them not receiving my form or claiming they never received it.

 

I was talking about whether I should pay them while the deferral process is going through so as to preserve my credit score and then look at claiming the money back.

 

What i might do is go through the deferal process but back it up with the CCA request so i have it as a back up and it shows them i might cause them trouble if they try any funny stuff with me

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you are falling into their 'we have special powers' act.

 

they do not.

 

you do not pay them anything

to delay anything.

 

they are conning you.

 

if you want to send anything

 

you send a copy of the original SLC deferment form. NOT THEIR ONE.

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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here it is:

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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Take dx advice Jimmy.

 

I would have been like you a few months back, full of fear over all these scary official letters!

 

However after reading lots of around many sites & here I am ready to fight. Bottom line is this:

 

you are entitled to defer as you are under the threshold.

 

No way they could blacken your credit rating or even report you to CRA's.

 

That would be breach of contract by them.

 

I would not be paying them 1 single penny.

 

I know it's stressful but I just hate to see them bully people!

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  • 2 weeks later...

Ok, update.

 

I thought long and hard and decided the only way to deal with them was to go in hard.

 

I did just that and treated them with the contempt they deserve.

 

The result is that my loan is now deferred,

 

there is no direct debit on my account and

 

there shouldn't be any footprint on my credit score.

 

I will check the credit score in the next month or so.

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well done.

 

now to help the other

 

how and what did you actually do to achieve this?

 

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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I told them to stop messing about,

 

im not paying a penny and get it sorted

or they would see me in court and

they would be laughed out of court due to my legal right to defer.

 

told them i know what they are doing in trying to convert genuine deferrers into payers

and if they dont sort it i will utilise their complaints procedure and following that the ombudsman.

 

Put it all in writing and got it sorted.

 

Not even a direct debit on my account. been checking daily

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so did you fill out their overtly intrusive deferral form

or used the SLC one?

 

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 used their form but made it very clear that they had no right to touch my credit score, any bs about promoting responsible lending is a red herring because they are a debt collector and if any of their actions affect my ability to obtain credit they will face a civil action as well as complaints etc.

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