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


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Please help.

 

 

My son-in-law has just received a CCJ from Northampton Court ordering him to pay £145 per month.

 

 

The first he knew of this coming was when he received the N1 from the court couple of weeks ago.

 

 

He didn't even know the loan had been sold off.

 

 

He sent a letter requesting deferral but then received a judgement in default because they did not receive his letter

(it turns out he sent it to Erudio in stead of Rentons solicitors).

 

 

He is concerned that if he does not pay the £145 by the 10 Nov. they will send in the bailiffs.

 

 

They are also concerned that he now has a CCJ against him and are looking for a new home to rent.

Creation Financial Services--S.A.R - (Subject Access Request) sent 18 Oct

Statements received 28 Oct

PAR sent 30 Oct for £910 Credited £282 as Good will Offer

LBA sent 28 Dec for £730

N1 filled out, but they phoned and settelled in full 19 Jan:D

GE Capital--S.A.R - (Subject Access Request) sent 18 Oct

Capital One---S.A.R - (Subject Access Request) sent 18 Oct

Great Universal(Littlewoods Shop Direct--S.A.R - (Subject Access Request) sent 18 Oct

PAR sent 19 Jan

 

Nat West--S.A.R - (Subject Access Request) sent 26 Oct

Received 27 Oct

Acknowledgement received 28 Oct

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Please help.

 

 

My son-in-law has just received a CCJ from Northampton Court ordering him to pay £145 per month.

 

 

The first he knew of this coming was when he received the N1 from the court couple of weeks ago.

 

 

He didn't even know the loan had been sold off.

 

 

He sent a letter requesting deferral but then received a judgement in default because they did not receive his letter

(it turns out he sent it to Erudio in stead of Rentons solicitors).

 

 

He is concerned that if he does not pay the £145 by the 10 Nov. they will send in the bailiffs.

 

 

They are also concerned that he now has a CCJ against him and are looking for a new home to rent.

 

 

can we see all the paperwork please?

 

 

are you sure this is for an old student loan?

 

 

and erudio was the claimant and restons the sols?

 

 

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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Once you received the claim form you should have acknowledged the claim online. Then, if you were intending to defend it your defence should also have been submitted online.

 

Alternatively, you should have sent any other communication to the solicitors acting for Erudio.

 

If your Son is unable to afford the amount ordered by the court, he can complete form N244 and ask for a variation on the instalment. There will be a fee for this application unless he is exempt by being on benefits. He will also need to complete an Income and Expenditure form - it would be best if you were to contact National Debtline and ask them to help your son complete a Common Financial Statement.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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NOTE: I have been advised of the following:_

 

Redeterminations are free if done within 16 days of judgment date and its not a variation

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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steve5080

 

 

can you please come to cag and update us as to what is going on..

this is important.

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

Thanks for your comments.

to confirm it is a student loan dating from 1993.

it is with Erudio and Restons solicitors.

As my daughter and son-in-law live 100 mile away so I don't have the paper work to post here. My daughter has been able to speak to a solicitor were she works, and she is giving them some advice.

I will post more tomorrow evening as I am out this evening.

Creation Financial Services--S.A.R - (Subject Access Request) sent 18 Oct

Statements received 28 Oct

PAR sent 30 Oct for £910 Credited £282 as Good will Offer

LBA sent 28 Dec for £730

N1 filled out, but they phoned and settelled in full 19 Jan:D

GE Capital--S.A.R - (Subject Access Request) sent 18 Oct

Capital One---S.A.R - (Subject Access Request) sent 18 Oct

Great Universal(Littlewoods Shop Direct--S.A.R - (Subject Access Request) sent 18 Oct

PAR sent 19 Jan

 

Nat West--S.A.R - (Subject Access Request) sent 26 Oct

Received 27 Oct

Acknowledgement received 28 Oct

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p'haps ge them up on here

 

 

this is very important

its the first Erudio bought SLC dept that I've seen been tried in court

 

 

if the loan was from 1993, why is it not know statute barred?

 

 

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

f he already HAS the CCJ

then he needs to get this et aside ASAP

 

 

as reston will have probably purposefully served all the papers to an old address.

so they got a default none contested judgement

 

 

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

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