drydens '93 SLC loan with old CCJ 14+ years no contact

[dx100uk]

FWIW there is little point in sending a DCA an SAR.

 

 

dx

[camdbug]

Yep, this has proven that

 

But it does now seem like the original SAR to SLC has not made it, so at least I'm clear on that

and it looks like I'll get the money back from RM for the first one.

 

Will hopefully have more information in about 40 days!

 

Still heard absolutely nothing from Drydens so they're either prepared to wait or are taking the view

that if I'm doing things like this then they might find it hard to push the matter.

 

Either way, I'll update as/when anything else happens.

[dx100uk]

Camdbug - did you have any luck with the SAR to SLC?

 

 

I had the same phonecall / you've got 14 days to make contact with us letter.

 

 

Trying to work out my next step.

 

Thanks,

 

 

you need to start a new thread

 

 

of your own.

 

 

bottom line is stay off the phone and do not invite letter tennis

 

 

get a thread going

and tell us your history

 

 

dx

[camdbug]

Finally received the SAR response from SLC yesterday. Got to be around 100 pages (although most is just screenshots of their system and statement details).

 

Copies of the original agreement and forms were included (very bad quality - from microfiche I suspect - but readable).

 

Have ordered everything and gone through it.

 

Their "Customer Activity Report" runs up until Spring 1998 then has nothing until the beginning of 2010 (will come back to this).

It contains no record of default notices sent and none were supplied in the copies of letters sent.

 

The legal department's 11 page "Matter History" commences in Autumn 1999.

it looks like they have no records of the first address change (to Ireland) I sent them,

with the result that when they applied for the CCJ they were doing it against an old UK address.

CCJ was granted early in 2000.

 

Although there is no copy/record of the CCJ itself, they do include the claim number from the courts.

They subsequently tried to request an oral examination in late 2000; again against the old address.

Not surprisingly this failed to take place as the courts were unable to serve the papers.

 

Rescheduled a number of times before ultimately failing

- I was of course totally unaware of all of this.

 

In early 2002 they contacted my mother requesting my current address,

which she gave to them (the Irish one I had already notified them about; of which there is no record).

 

They sent a letter in April 2002 to this address (which I recall)

simply requesting me to contact their office as soon as possible.

No mention of any of the above.

 

I responded by letter saying that I was about to move back to the UK (I moved back mid May 2002)

and gave them the new address there; there is no record of this.

 

They have records of account statements being generated but not sent;

which indicates that they knew the Irish address was no longer valid.

 

In Summer 2005 there is a curious entry stating "PWOUEF000 Identified as possible write-off"

which is then periodically repeated until Summer 2006 when it changed to "OLDCCJ000 Identified as possible write-off"

then immediately "PWOABR000 Identified as possible write-off", after which this does not appear any more.

 

After that they continue to apparently send letters according to their matter history,

but no copies of these letters were provided (last letter provided was the one to the Irish address asking me to contact them).

 

The "Customer Activity Report" includes an entry in early 2010 showing that they had located me again at my current address via Experian.

 

I had lived here fully registered and publicly since late 2006 and at another fully registered UK address for 18 months before that. Prior to that I was in Australia for just over a year.

 

The Matter History seems to reflect this change of address, but only shows the old address not my current one.

 

Only other entry of significance on the Matter History is a "Decide fate of account" entry in Autumn 2010 with no listed outcome.

Matter History ends in Autumn 2011.

 

Customer Activity Report has one final entry after the address change which is my recent request for a SAR.

 

That's it.

Virtually no details of the CCJ other than a copy of the text from a letter saying it had been granted containing the court/case reference.

 

Definitely nothing saying that it was transferred when they sold the loan.

 

Covering letter states that the loan had been sold on to Erudio earlier this year

and that I should contact them for any further info.

 

Due to the postal mess I had already done this,

nd Erudio returned absolutely nothing of any significance.

 

So... what do you think the next steps should be?

[dx100uk]

sit on it.

 

theres so much there to work on if needs be and use it to your advantage I'm sure

should anything untoward happen.

 

bottom line I think is the CCJ absolutely dead.

 

dx

[camdbug]

Thanks for that. Happy to just do nothing; after all it's been several months since last contact and they have not been in touch at all.

 

Will update if/when I hear anything new!

[camdbug]

today I received another letter from drydensfairfax.

 

Interestingly there are no demands for payment and no threats.

 

Instead it is a financial questionnaire to work out a payment plan with phrases like

"we appreciate you may be struggling" and "understand that your present circumstances may be difficult".

 

I intend to ignore it for now as there are no threats.

 

They want the questionnaire returned by Feb 19th, so I'll wait and see what happens after that.

[dx100uk]

ah ye old I&E sheet sounds like

 

none of their business!

 

only a judge can demand that info

 

dx

[camdbug]

Yep. That's it.

Along with copies of payslips, bank statements, proof of benefits etc.

 

 

Stupidly 2 days ago I was thinking that I hadn't heard anything in a while.

 

 

That was when they posted it! That'll teach me

[camdbug]

Latest letter today stating that they note I have not responded to the previous financial statement.

 

Giving me until 23rd March to respond otherwise they

"will have no alternative but to recommence steps to recover the full balance owed to our client."

 

Guess I'll expect to see another letter in about a week then...

[WarrenBuffet]

Camdbug,

 

1.) Your old Student loans signed agreements no longer matter!?

 

Why?

 

2.) The CCJ wiped them and it is the CCJ that now is the debt. (just repeating so it registers, the fact that they are using original signed agreements to prove a non-existant debt shows, they know not which alleged debt they are attempting to chase.)

 

3.) No reference for CCJ, it should be 02XYJ09090 ie: if they fail to send reference for ccj then they do not know which "Alleged" debt they are pursuing.

3a.) Demand they produce the CCJ reference otherwise you recognise no "Alleged debt"

 

4.) Ask to see their application to the court for 'Redetermination'.? (They won't have done this since they have no idea or reference for the CCJ)

4a.) The result is as dx stated ealier the ccj is dead along with the "Alleged debt"

 

5.) Jog On Eurido or whatever you call them? .......parasites!

[camdbug]

Agreed.

 

TBH it took me until I got the SAR response from SLC before I actually knew any details about the CCJ

(or even had any evidence that it existed and was related to the loan).

 

Even then it's primarily just evidence that they were granted a CCJ

(the ref number is probably in there somewhere but I still don't have a copy of the judgement anywhere).

 

I'm more curious at this stage about what they will try next.

I have not responded to them since I told them I was submitting a SAR to SLC, which was many months ago now.

 

I'm going to follow this path on dx's advice until I see something in writing that suggests there is something worth spending time and effort on.

.. as I, you, dx and others from various threads suggest,

 

there is nothing they can do now anyway,

 

but I shall update with the next instalment as it comes in

[dx100uk]

prob a discount letter

 

 

dx

[WarrenBuffet]

Or as they do with me .. a N.O.S.A. Letter every six months. I got my 3rd yestetday.

[camdbug]

Just thought I'd update as I hate threads that just stop without conclusion.

 

The update is: nothing.

 

Still waiting, nothing received.

 

Won't hold my breath that they've given up, in fact posting this probably means I'll get something tomorrow

 

Trust me that if anything happens I'll post so silence means that I'm still safe from threats!

[camdbug]

Been really quiet here for the last 6 months. Zero contact for ages. It almost makes me miss them... Almost

[havinastella]

Been really quiet here for the last 6 months. Zero contact for ages. It almost makes me miss them... Almost

 

[camdbug]

Letters received today. Apparently erudio have passed it on to Capquest. Capquest; "please contact us".

 

Interestingly both letters arrived simultaneously, both with identical envelopes and both envelopes with identical return addresses.

 

Ho hum, starting again.

[camdbug]

Looking back I've realised it's just over a year since the last contact! Guess it's "new financial year spring clean time"

 

[dx100uk]

cabot are arrows are erudio.

 

 

pers i'd ignore

simply trying to invoke a response

[camdbug]

My thoughts exactly. You gave the same advice back then and it proved to be extremely effective

[camdbug]

So. I've now received three text messages from them,

all from different numbers (they've obviously dug my number up from somewhere!)

and two missed calls, no voicemail, from their office (number now blocked) along with a chasing letter.

All in the last 2 weeks.

 

Is there any benefit to trying a cease and desist approach or should I continue to leave well alone?

Temptation to slap them down is strong but they are angling for me to make contact, so may not be wise.

.. Advice welcomed.

[dx100uk]

ignore

[camdbug]

ignore

 

Ignoring. Thx

[camdbug]

So, an interesting twist.

As about to leave to take my kids to school my mobile rang.

Mobile number I didn't recognize so ignored.

Previously I'd blocked Capquest's landline on my mobile.

 

 

Seconds after it stopped ringing, my landline went (they hadn't called that before afaik).

Picked up and conversation went a bit like this:

 

Me: Hello?

Silence for a few seconds...

Cq: Hello?

Me: Yes, you called me.

Cq: Can I speak to

Me: Speaking

Cq: This is Capquest. For security reasons can I ask you to confirm your postcode?

Me: Oh, you're the ones that have been spamming me with strange texts and letters recently?

Cq: We've been trying to contact you...

Me: Well, please conduct all further communications in writing.

Cq: We've sent letters but you haven't contacted us in return.

Me: That's because your letters have not contained any information indicating why you have the right to be making the requests or any detailed information about the subject in question. So if you write to me with full details of the request and your authority to make it then I will be in a position to decide whether to respond, but everything received to date has simply been requests to contact you with no detailed context supplied so I have treated them as such. All further communications by post please.

Cq:

Me: OK, we're done here, goodbye.

 

Voicemail on my mobile was an automated message from them as well.